The main levers are the concessional contributions cap, Division 293 tax for high earners, and the timing of non-concessional contributions. Salary sacrifice, spouse contributions, and the bring-forward rule each have a place. For high earners, the marginal tax difference between earning income and contributing to super can be significant.

Sydney property prices mean many Northern Beaches residents have a significant portion of their wealth tied up in the family home, often before considering investment property. The family home (held long-term, not sold for return) is different from investment property held for return. We can help you think about both in context.

Employee equity creates both opportunity and concentration risk: you depend on the same employer for both your income and a significant portion of your wealth. Planning typically covers vesting schedules, tax timing on exercise or vesting, and a strategy for diversifying over time without forcing premature decisions.

Higher accumulated wealth gives more choices but also more complexity. Common questions include the timing of pension drawdowns, the trade-off between tax-effective super pensions and other income strategies, how to manage the family home in retirement, and how to handle wealth transfer to the next generation.

Education savings, first-home purchase support, and intergenerational wealth transfer are common considerations. Investment bonds, family trusts, gifting strategies, and contributions to a child's super each have a place depending on the goal. The earlier the plan starts, the more flexible the options.

Common documents include a current will, binding death benefit nominations on super, powers of attorney, and consideration of testamentary trusts. Common complications include blended families, multiple properties, business interests, and the desire to control or protect distributions to younger or vulnerable beneficiaries. We work alongside your solicitor on the legal documents.