KeyInvest

INDepth with Tom Huntley: Investment bonds, tax, estate planning and what’s changing for advisers

In this extended conversation with Laurence Parker-Brown from The Inside Network, Tom Huntley shares his perspective on the shifting landscape facing advisers. From tax and super reforms to the tidal wave of wealth now beginning to transfer between generations, there is much for advisers to consider.

Recorded just prior to the federal election, this conversation has only become more relevant as these proposals and their implications continue to unfold.

Key topics include:
- The purpose of the retirement system, including the definition of super to fund a “dignified” retirement and the ongoing changes to legislation.
- The controversy surrounding the proposed Division 296 tax, including tax on unrealised gains, lack of indexing, and ambiguity around defined benefit pensions, including those held by politicians.
- Challenges in estate planning, from increasingly complex family dynamics to the risk of inheritances being squandered or eroded through legal disputes.

Tom also shares how investment bonds are playing a growing role in helping advisers navigate this complexity.

Watch the full 12-minute conversation, originally published by The Inside Adviser, 10 April 2025: https://youtu.be/lkOiFgJs4Jw?si=Mrbl1Rd9vsV86RQe

Why are advisers taking a closer look at investment bonds?

That’s one of the questions Laurence Parker-Brown from The Inside Network posed to our Head of Investor Distribution, Tom Huntley, in a recent discussion.

In this short clip, Tom shares his perspective on the reawakening of investment bonds — driven by growing education and renewed awareness.

From tax-effective savings strategies to estate planning benefits, proposed changes to super legislation, and the intergenerational wealth transfer already underway, advisers are recognising the important role investment bonds can play.

Watch more of their discussions on investment bonds at:
https://youtu.be/0vnh8Lia30I?si=7JLlDzhk0_oQZvoV