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info@owlfinancial.com.au

Super Reforms – Impact of $1.6 million pension transfer balance cap

Super Reforms – Impact of $1.6 million pension transfer balance cap

While the introduction of a $1.6 million pension transfer balance cap will not affect many Australians, key changes will need to be made if you are impacted. The rules to ensure people don’t transfer more than $1.6 million from the ‘accumulation’ phase of super into the ‘retirement phase’ (otherwise known as a superannuation pension or […]


Implications for transition to retirement pensions

The super reforms impact transition to retirement pensions and the role they could play in pre-retirement planning. What’s a transition to retirement pension? A transition to retirement (TTR) pension is a pension that has started with superannuation money when you have reached your preservation age8, but have not yet retired. These pensions can provide a […]


Super Reforms – Key Opportunities

From 1 July 2017. Personal deductible contributions for employees as well Currently, only those earning less than 10% of their income 7 from employment (the ‘10% test’) are eligible to claim super contributions as a tax deduction. From 1 July 2017, all individuals under the age of 65 (and those aged 65 to 74 who […]


Super Reforms – Key Opportunities

Some opportunities to grow your super and retire with more may be available before and after 30 June this year. Before 1 July 2017. Maximise non-concessional contributions In the current financial year, non-concessional contributions are capped at $180,000 pa or $540,000 if you bring forward up to two years’ worth of contributions. Other conditions apply (www.ato.gov.au). […]


Super Reforms – Key Opportunities

Some opportunities to grow your super and retire with more may be available before and after 30 June this year. Before 1 July 2017. Maximise concessional contributions Concessional contributions are taxed in the super fund at a maximum rate of 15% (or 30% for some people who earn a high income 3). This tax rate […]


Super Reforms at a glance

Some important changes will be made to concessional and non-concessional contributions, as well as benefits that can be received from super. Unless stated otherwise, the following changes take effect from 1 July 2017. Concessional contribution changes Concessional contributions include employer contributions (such as the superannuation guarantee and contributions made under a salary sacrifice arrangement), as […]



Financial Advisor Adelaide

We are an award winning practice that has been providing financial advice to South Australians since 1969. We really enjoy getting to know our clients and building a relationship with them that lasts over many years. We have a diverse range of clients from mum and dad to AFL players to ASX CEOs. All of which have a diverse range of financial advice needs and very different relationships to maintain. Our clients describe a 'breath of fresh air', personable, expert and people with high integrity. Clients have also mentioned that they are not treated as a number and the advice is specific to them. Working with clients for clients.

Financial Planner Adelaide

The one most rewarding thing about being a financial planner in Adelaide is when you have been working collaboratively with a client in developing and building their goals and objectives and the come to fruition. This give both the clients and myself a real sense of achievement and to use the famous quote 'are we there yet?' and together we can say YES! There has never been a better time to look towards what you want to achieve and start a financial plan so you can get there too.

Financial Planning Adelaide

A person's financial story is like a jigsaw puzzle... "lots of pieces needing to be put into their correct places". A financial adviser can assist a client to put the pieces in the right places by having a series of simple conversations about where a they are currently situated, where they want to be and what strategies can assist them. Every client has a different financial story and goals. Each jigsaw puzzle will always be different. A good financial adviser is experienced at putting together a wide range of jigsaw puzzles. Helping a client put their own puzzle together and seeing their satisfaction is a wonderful feeling.


Barry Phillis, Chris Scriva, Paul Cetrangolo and Owl Financial Management Pty Ltd are Authorised Representatives of GWM Adviser Services Limited Australian Financial Services Licensee Registered Office at 105-153 Miller Street North Sydney NSW 2060 and a member of the National Australia group of companies.

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