Macarthur Wealth Management - Macarthur Wealth Management

Spouse super contributions and contribution splitting

Distinguish adding money to a partner’s super from splitting eligible contributions, and assess each person’s retirement and access needs.

Understand how a downsizer contribution may fit a retirement plan and which eligibility, cash-flow and Centrelink questions to resolve first.

Compare the administration, cash-flow timing and contribution-cap checks behind two ways of making tax-effective super contributions.

Understand the difference between tax on withdrawals, fund earnings and contributions, including why some super benefits have different treatment.

Separate retiring from work, meeting a super release condition and qualifying for the Age Pension so your income starts when you expect.

Build a retirement target from your spending, housing, other income and timeframe instead of relying on one headline super balance.

Selling the family home can change your assessable assets, cash flow, housing costs and retirement strategy. Here is what to consider before acting.

A plain-English guide to Age Pension age, residency, income and assets tests—and why the result is different for every household.

Industry, retail, public-sector, corporate and self-managed funds can differ in cost, choice, insurance and responsibility.

How employer and personal contributions, investment earnings, fees, tax and insurance combine to build retirement savings.