Netplan - Australian Retirement Advice

A home-owning couple can now have $1 Million plus in assets other than the family home and still qualify for a part age pension! In this episode, we explain the July 1 changes to means test thresholds and their significance to anyone approaching or in retirement.We regularly come across people who thought they were entitled to nothing - buy were wrong!

In this episode, we explain the increase to compulsory super due to kick in on July 1 and how the definition of who's eligible is very broad. Just because you're a contractor, even as a Pty Ltd company, doesn't mean the "boss" can avoid paying your compulsory super! We also explain what happens if you exceed your contribution caps and what NOT to do.

We field questions from listeners regarding super, the pension and tax.

Across Australia on ABC's Nightlife program with Chris Taylor (Of The Chaser fame) filling in for Phil Clark. In this episode we deal with listener's questions ranging form what to do with your super, super downsizer contributions, Estate planning tax issues and updating Centrelink. There's something for everyone here!

Its an inevitable expense. How much will it cost and what can you do, to ease the pressure on your loved ones and the hip-pocket.We explain how a means tested pensioner, can take advantage of the rules to effectively get the government to pay for your send-off.

In this episode we explain how a reverse mortgage works and who they're suited to. Importantly, we explain a low cost government alternative that charges LESS THAN HALF the interest rate of a commercial loan.

Sorry, an earlier version of this podcast had a period of silence at the beginning. That's now fixedThe most recent Nightlife with Philip Clark on ABC Local Radio across Australia.From turbulent markets to dodgy fixed interest investments, we dealt with many questions from listeners ranging from Centrelink to Superannuation to death benefits.

The election's over and with such a comprehensive result, the announcements made during the campaign are set to become law. From new taxes on super, nasty changes to tax deduction rules and the possible end of the pop-up tax clinic in you local shopping centre. - Tax returns made easier still. Why many people should get a boosted tax refund.We explain the policies and how they might affect you.

We explain in simple terms, why you need to consider the financial arrangements surrounding retirement villages and aged care costs. The bottom line here is that retirement Village homes are NOT a property investment and I am yet meet someone who exited a traditional retirement village setup who didn't lose a lot of money.

Heavily used by Industry super funds, we explain the potential pitfalls for someone approaching retirement with a super fund, heavily exposed to unlisted assets. In the current market turmoil, there's a risk the amount you think you have in super, is actually less. How to avoid a "correction" just when you're about to retire.

This meaty episode provides an overview of how the system works and how you can get better bang for your buck if you're using a Government funded home care package.We also explain how for some, the estate they leave to their loved ones could be considerably sell under the new rules and why putting Mum or Dad into aged care before June 30 (if they are ready) could be a very sound financial decision.

In this episode we chat about markets, Super, Tax, Death Benefits, Centrelink and answer questions from callers all over Australia.,

Live radio on the ABC Mornings Statewide program, after the budget, where we explain what's happened and take listener's calls.

With some share-markets now in "correction" territory, we explain what you shouldn't do in times like this. We provide some solid reasons why you should still sleep tonight and what to do later, when things improve. For seniors, a special trick that could see you getting more money form Centrelink, thanks to the drop ! Incredible, but true. We explain why and what to do.

Centrelink payment rates increase on March 20 with a spin off effect in that many more senior Aussies will now qualify for a part-pension for the first time. That's because the upper means test cut-off thresholds increase. A must listen for those in or contemplating retirement in the next few years.https://www.netplan.com.au/articles/centrelink-benefits-increase-from-march-20-2025

If you ever worked in the UK, this is a must listen. The UK State Pension is a non mean-tested benefit which really is, money for jam. Backed by His Majesty's Government, learn how a modest outlay generates an effective return of at least 38 percent for life. A must for those who worked there - or your British mates.

How about a strategy where you buy a swanky apartment now, negatively gear the property until you retire, and then move in.You sell your existing home and dump the proceeds into super.Sounds like a plan ? In this podcast we answer a real life question that also deals with non concessional contributions and other things to consider, to maximise the tax concessions and benefits.

A very busy session with questions ranging from Superannuation to Aged Care. Listen in, you're sure to learn something new.

A range of questions regarding Superannuation, Retirement, Tax and Pensions. The usual mix !

We reveal a new scam that appears to catch out even the tech savvy. A clever way of stealing your ID to access your MyGov data. A must-listen for any one making heavy use of the site.

How about a no risk, lifetime retirement income, increasing each year with inflation and with significant Centrelink benefits?Sound good ? It's called an annuity and in this episode we explain how they work and why the Government is keen to see you use them.

In this "how-to" episode, we explain how you can establish an investment for little kids. Whether it is with a few hundred or a a few thousand dollars, the legal and practical things you need to know. We also provide a simple explanation about ETFs and things to watch for.

We pull apart how a managed fund - which includes super funds -actually work. How can you pick a good one from the thousands on offer - and get objective information? This is how the good planners do it. We speak to one of the World's Largest Fund Manager research houses - Morningstar,

We explain what taxes apply to your super when you die and some simple tricks you can do to minimise the impact on your loved ones. Savings of more than $60,000 in tax might just be, a few clicks away...

In this session we answered questions dealing with Enduring Powers Of Attorney, how much can a senior earn before paying tax, Aged Care RADs and heaps of Super Questions? Enjoy (and don't forget to rate and subscribe!)websites mentioned: netplan.com.aumoneysmart.gov.aucifaa.asn.au

We explore the benefits of using the empty bedrooms in your home to make tax-free income, where only a fraction might be assessable by Centrelink. That also means that when it comes time to sell, you won't be up for Capital Gains Tax.

This is an update with the latest figures and tricks on how to boost your Centrelink Pension if you are affected by the Asset Means test. It includes a full explanation of the gifting rules.Please remember to rate us and subscribe to future episodes.

How you can save hundreds with DIY tax returns - free and assisted by the ATO. Get free help if you income is under $60,000. Calls on Account Based Pensions and Super

One of the most common questions asked? How can I access my super ? What are the rules about getting hold of my super before I'm retired?In this episode, we talk to someone who accessed $67,000 to fix his teeth and the nasty surprise he discovered weeks later. Compassionate Grounds, Severe Financial Hardship - what are the rules ?

When is the boss required to pay your super ? We explain to Cameron why Salary Sacrificing EVERYTHING to super is not always a good idea and Chad discovers what happens if you go over your super contribution cap limit. Plus lots more.

The key questions answered. How much will I be charged, how much is reasonable and what services should I be expecting for my money ?Is a Self Managed Super Fund the best option ?How can I tell if I've found a good adviser.Insider tips from 35 years as an adviser that's seen it from all sides. Life started as a life insurance salesman and in the end, was a lecturer and unit controller at a prestigious Australian University.Nick Bruining is a Financial Planner and Authorised representative of NS Financial Pty Ltd trading as Netplan.Netplan provides general information and advice which is not personal advice. Personal advice takes your circumstances into consideration.

Nick answers listener's questions.

In this episode, we explain the practical "how-to" steps of starting your search for an adviser that you'll be happy with forever. No fluff here. Cold, hard things to investigate, to ensure you're not wasting your precious time.Where to start and more importantly, the free tell-all research you can do before you even pick up the phone to make an appoitment. We've got some sneaky things to look for when you show up at the office and some really telling questions to ask - and the answers you need to hear.This is episode 2 of our 3 part series about how to pick a good financial adviser. Episode 3 deals with what to expect when you engage a financial adviser/planner, what we think is fair and whether you're getting, what we think, is value for money. This episode can be confronting for someone that's paying ten thousand dollars plus a year, in fees.Also known around Netplan as "Why Nick doesn't get many Christmas cards from other planners:"Insights from our lead financial adviser, Nick Bruining drawing on more than 35 years as a licensed financial planner.Nick Bruining is one of Australia's best known and most respected financial advisers.Nick Bruining is an authorised representative of a legally independent financial advice firm, NS Financial Pty Ltd, trading as netplan.com.au.The information in this podcast is general advice and information and is not personal financial advice. Personal advice takes your specific information into account to prepare specific and detailed financial advice.

The Tax Office has just released Tax Determination 2024/7. What it means to you and why getting good financial advice, becomes more affordable for many.

Episode 1 of 3. A warts-and-all breakdown of the financial advice industry in Australia. Who's calling the shots?The "sales" origins of financial advice, leaves us with an industry structure that potential clients need to know about.In this episode, we'll explain who's in charge and actually responsible for the advice you recieve.It's important, because in almost every instance, there are conflicts of interest in play. And knowing how to spot them, is the key to getting the best advice out there.It prepares you for Episode 2 - how to start the processing of actually selecting one and the free and important background checks you can do BEFORE you even make contact.Insights from our lead financial adviser, Nick Bruining drawing on more than 35 years as a licensed financial planner.Nick Bruining is one of Australia's best known and most respected financial advisers.Nick Bruining is an authorised representative of a legally independent financial advice firm, NS Financial Pty Ltd, trading as netplan.com.au.The information in this podcast is general advice and information and is not personal financial advice. Personal advice takes your specific information into account to prepare specific and detailed financial advice.

In this podcast, Nick runs through a question submitted by one of our subscribers about what to do with an inheritance they've received.This is an excerpt from one of our Netplan Premium webinars. If you'd like to learn more about the concepts and topics that Nick discusses in this episode, head to our website and receive independent financial advice. -----------------------------------------------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.

In our latest Netplan podcast we have an excerpt of Nick speaking on 6PR.He discusses the state of the market, tax returns for retirees, 2023 changes for retirees and answers a series of questions from listeners.-----------------------------------------------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.

In this episode, we give you 5 tips to reduce your assets and potentially boost your pension.This episode is also available in written form from our website: 5 tips to reduce your assets and potentially boost your pensionAuthor: Nick Bruining-----------------------------------------------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.

In this episode, we explain why more people are eligible for the super downsizer than before.This episode is also available in written form from our website: More people are eligible for the super downsizerAuthor: Nick Bruining-----------------------------------------------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.

In this episode, we explain what's happening with interest rates, and what should you do with your debts?This episode is also available in written form from our website: What's happening with interest rates, and what you should do with your debtsAuthor: Nick Bruining-----------------------------------------------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.

In this episode we answer a question sent to us by one of our readers on netplan.com.au.This episode is also available in written form on our website under the article "Contributing to my child's wedding and keeping the family peace"Author: Nick Bruining-------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.

In this episode, we explain how you can use a testamentary trust to protect your lifelong savings and make sure your money ends up in the right hands after you pass away.This episode is also available in written form from our website: Protecting your family fortune from the son or daughter-in-law from hellAuthor: Nick Bruining-----------------------------------------------------------------NS Financial Pty Ltd Trading as Netplan, holds an Australian Financial Services License (AFSL). AFSL 539778Netplan provides General Financial Advice only, which is not personal financial advice. Personal financial advice takes your individual circumstances into account when making recommendations.