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If your super balance is comfortably below $3 million, you probably don’t need to worry — the proposed changes shouldn’t affect you. But if your super is approaching $3 million, or clearly above it, the Treasurer’s latest announcements may change how you think about super’s generous tax breaks. For some time, the Government has been

Imagine this: after years of hardship and illness, you’re forced to retire early on a Total and Permanent Disability (TPD) pension from your super fund. It’s your only income stream. Then come the medical bills — tens of thousands of dollars in treatments to manage the very conditions that ended your career. You might assume

Superannuation is often one of the largest assets Australians hold and provides significant tax advantages. However, strict rules apply to when it can be accessed. While super is most commonly accessed upon retirement, death, or disability, there are limited circumstances where early access is permitted. When early access may be available Early access to superannuation

A recent Administrative Review Tribunal (ART) decision — Goldenville Family Trust v Commissioner of Taxation [2025] — highlights just how critical timing and documentation are in tax planning, and the serious consequences of getting them wrong. What happened The case involved a family trust that earned significant income over several years (2015–2017). The trustee attempted

The Federal Government has announced major changes to the way student loans are managed, providing relief to millions of Australians facing rising living costs. The changes include a 20% reduction in student loan balances and a new approach to repayment thresholds, giving many people more breathing room in their budgets. 20% Reduction in Student Debt