Building Blocks Financial Planning

We're not about fancy offices or fifty-page plans nobody reads. We're a small team who'd rather build you a plan you actually understand, than one that just looks good on paper.

Because at the end of the day, it's not about having the most money in the world. It's about making sure your money is actually supporting how you want to live: more travel, more time with the kids, peace of mind that your bases are covered.

If you've been putting off 'getting your finances sorted' for way too long, this is your sign.

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]

Paying down your mortgage or boosting your super? This is one of the most common FAQs we get as advisers - and the answer is rarely black and white.

But here are a few things to think about:

🟢 The case for super: Concessional contributions are taxed at just 15% - almost certainly less than your marginal rate. That tax saving alone can make super the smarter move.

🟢 The case for your mortgage: Extra repayments give you a guaranteed, risk-free return equal to your interest rate. And unlike super, that money is accessible if you need it.

🟢 The part most people miss: Your family home is exempt from the Age Pension assets test. Your super isn't. For some people, paying down the mortgage actually increases their pension entitlement later.

For most Australians it's not either/or - it's finding the right split for your situation.

We can review your numbers and let you know what's going to work best for you.

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.

Division 296 has been debated, revised, and delayed - but as of March 2026, it's officially law. And it starts 1 July 2026.

So what is it?

Division 296 is a new tax on super earnings for balances above $3 million. Right now, super earnings are taxed at a flat 15% no matter how much you have.

Under the new rules, any earnings on the portion of your balance above $3M get taxed at an extra 15% on top - so 30% total. Above $10M, that rate jumps to 40%. The good news is the thresholds are indexed, so they'll rise over time.

But here's what most people aren't thinking about 👉 The $3M threshold sounds like it only affects the ultra-wealthy. But it's really a household conversation, especially for couples.

If one partner passes away and their super is left to the surviving spouse, that balanace will be added to their partner's super fund. That alone could push someone over $3M for the first time - and into Division 296 territory - without any new money ever being added.

If you or your partner have saved significant super, now's the time to look at how it's structured. The rules have changed. The planning should too.

Book your free, first appointment with our team:

📆 Book at https://bit.ly/3OL46JL
📞 Call us on 03 9748 7999
📩 Email [email protected]

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*This is general information. It is not financial advice. We have not considered your personal financial circumstances. You should consider the appropriateness of the advice for your circumstances before making any decision.