Shows
The Strategy Stacker - Luke Talks MoneyLuke on 2CC – Ways to get more money into super for a tax free retirement!Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 25 July 2025. The topic for this week is: What ways are available to get more money into super for a tax-free retirement? Most Australians now realise that saving into super provides tax free income in retirement. It comes about as a result of the special kind of structure superannuation is. Savings outside of super will incur tax just like they do while you’re working. Luke is of course joined by Leon Delaney of 2CC.
Thank you for joining us live on 2CC...2025-07-2900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How much risk should I carry in my super fund?Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 18 July 2025. The topic for this week is: How much risk should I carry in my super fund? There’s often a big gap in the risk you think you’re carrying and the actual risk you are carrying. In this episode, Luke reflects on a client conversation he had in the past week and offers some information and practical steps you can consider when assessing the risk around your own retirement savings. Luke is of course joined by Leon Delaney of 2CC.
Th...2025-07-2200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How much money do I need to retire?Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 11 July 2025. The topic for this week is: How much money do I need to retire? It’s a common question asked by those approaching retirement. In this episode, Luke provides some practical ideas and actions to help you think about your own retirement planning. Luke is joined by Leon Delaney, who is back from his break and back in his regular chair at 2CC.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strat...2025-07-1600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Changing your habits to achieve your financial goals sooner!Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 4 July 2025. The topic for this week is: Start changing your habits in the new financial year to help you achieve your medium and long term goals. Change can be hard at any point, but the new financial year provides you with an opportunity to review where you are at, as it coincides with pulling together the information you need to complete your personal tax return. In this episode Luke provides some practical ideas and actions to help you get started. This week Luke...2025-07-0700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to start a pension from super – understanding the rules to get you startedFinancial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 27 June 2025. The topic for this week is: How to start a pension from super? Over the past few weeks in the lead up to the end of financial year, Luke’s had some interesting client conversations and there appears to be a lot of misinformation about how you turn your super savings into a retirement income stream. This show seeks to shed light on those issues to help you sort out the facts from the fiction.
Thank you for joining us liv...2025-07-0200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Setting goals and habits for the new financial yearFinancial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 20 June 2025. The topic for this week is: Setting new habits and goals for the new financial year. Over the past several weeks Luke has been talking about end of financial year planning and the actions you may consider completing. While there is still a little bit of time to make super contributions, check with your fund about their end of year contribution closing date so you’re not disappointed. This week Luke looks at the new financial year with guest host Rod Henshaw. Th...2025-06-2500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Maximising your tax deductions before 30 June!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 June 2025. The topic for this week is: Maximising your tax deductions before the end of the financial year. With the end of financial year just around the corner, now is the time to take action before June 30!
But before exploring this topic, Luke makes an appeal to anyone who works at Canberra Hospital to talk to reach out to him on a sensitive client matter. Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service w...2025-06-1700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Super Splitting: What is it? Why would you do it?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 June 2025. The topic for this week is: The Super Splitting Strategy and the end of financial year. In this episode Luke takes a deep dive into the strategy exploring how super splitting works and the situations you might consider using the strategy to help you reach your goals. With the end of financial year fast approaching, now is the time to consider this strategy for this financial year and for the next one too.
Thank you for joining us live o...2025-06-1000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Transition to retirement options: Pay off your mortgage or contribute to super with tax free money!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 30 May 2025. The topic for this week is: What are your transition to retirement options? What goals can the strategy help you achieve? With the end of year now just a weeks away, now is the time to get your planning sorted, like accessing your super while you’re still working if you’ve reached your preservation age (usually 60).
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key...2025-06-0400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What is a ‘Notice of intent’ and why do you need it?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 23 May 2025. The topic for this week is: How do you get a deduction for a super contribution and what is a ‘Notice of Intent”?. This topic follows on from last weeks show which explored the difference between a deductible contribution to super and a non deductible contribution to super. With the end of year just a month away, now is the time to get your super sorted and make a personal deductible contribution if you’re looking to claim a tax deduction for th...2025-05-2600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – The difference between deductible and non deductible super contributionsFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 19 May 2025. The topic for this week is: What is the difference between deductible and non deductible super contributions. Luke and Leon however start the show by talking about the principle of taxing unrealised capital gains which may be coming to superannuation in the not to distant future. Could it leak into other kinds of investments and what would the consequences be? Would you have to sell an investment to pay a tax bill? Luke believes this isn’t the right approach to ta...2025-05-1900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How much can you get into super this year now the limits are changing?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 9 May 2025. The topic for this week is: How much can you get into super this year, now that the limits have changed? With the end of financial year fast approaching, now is the time to start planning your super and tax outcomes. Luke and Leon however start the show by talking about the election results and the governments plan to tax unrealised capital gains in super if an account has more than $3 million dollars which will not be indexed over time. There...2025-05-1200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Misconceptions around merging super funds – There are reasons not to consolidate!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 2 May 2025. The topic for this week is: Misconceptions around merging multiple super funds you may have. While merging funds may provide fee savings, there are a fact of lesser known reasons why you might have more than one fund – and some of these reasons are very important when it comes to looking more widely at your financial life. Leon Delaney returns to the studio this week after his well deserved easter break. Luke and Leon start the show about the Labor’s plan...2025-05-0500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Transition to retirement before 30 June and you could reach your goals sooner!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 25 April 2025. The topic for this week is: Transition to retirement. In this episode our own Financial Planner Luke Smith takes look at the rules around how you can access your super to improve your cashflow before the end of the financial year. Rod Henshaw joins Luke this week as Leon is still on a well deserved Easter break.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
...2025-04-3000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Misconceptions around super contributions – don’t miss out on opportunities to bolster your balance!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 18 April 2025. The topic for this week is: Misconceptions around super contributions and how to bolster your balance. In this episode our own Financial Planner Luke Smith takes look at the complex world of super contributions. All working Australians would agree super is an important retirement savings vehicle but the complexity of the system sometimes mean people don’t make the most of their opportunities across their working lives. Rod Henshaw joins Luke this week as Leon enjoys an early Easter break.
T...2025-04-2400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to use superannuation to fund your insurance and is your cover still right for your needs?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 11 April 2025. The topic for this week is: How to use your superannuation to fund your insurance needs. In this episode our own Financial Planner Luke Smith takes a deep dive into the issues you may consider when considering how to pay for the insurance you need, for your family and yourself.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
When pe...2025-04-1400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Investing outside of SuperFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 4 April 2025. The topic for this week is: Investing outside of super. Most Australians know the benefits of superannuation investing for their retirement. In this episode our own Financial Planner Luke Smith takes a deep dive into the issues you may consider when considering investing outside of your super. To start the show though, Luke and Leon discuss the news that some industry funds have been subject to cyber attacks, where some pension members have had money taken from their account. If a s...2025-04-0700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – The super splitting strategy and your retirement goals!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 March 2025. The topic for this week is: Superannuation and the Super Splitting Strategy. In this episode our own Financial Planner Luke Smith takes a deep dive into this strategy which can be a useful part of your retirement planning. As the name of the strategy suggests, super splitting is about splitting your super with your partner. Luke explores the benefits on offer. This strategy can improve your retirement outcomes when used correctly.
Thank you for joining us live on 2CC, Y...2025-03-3100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Do I have to take a full pension from the PSS when I retire?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 March 2025. The topic for this week is: Public Sector Superannuation Scheme – PSS and your retirement options – Do I have to take a full pension from the PSS when I retire? In this episode our own Financial Planner Luke Smith takes a deep dive into retirement planning when you’re a member of the Public Sector Super Scheme. As the PSS is a defined benefit scheme, there are different rules to how it works when compared with other superannuation vehicles (e.g. personal super...2025-03-2400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to make the most of the Trump effect with your investments?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 March 2025. The topic for this week is: How can I make the most of the Trump effect? We’ve seen a lot of talk recently about market volatility and much of it is the result of a new US President who is talking about tarrifs and trade relations which make investment markets nervous. In this episode our own Financial Planner Luke Smith explores the issues you should consider during market volatility and how to make the most of the Trump effect.
Th...2025-03-1700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What happens to my super when I retire?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 March 2025. The topic for this week is: What happens to my super when I retire and how do I draw income to live? Across our working lives we accumulate super from employer contributions and from our own contributions. But what happens at retirement? How do your turn super into income? In this episode our own Financial Planner Luke Smith explores your options and some are better than others!
Thank you for joining us live on 2CC, YouTube or your favourite p...2025-03-1000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Gearing your portfolio: How to do it and what to consider?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 February 2025. The topic for this week is: The Gearing Strategy. You might have heard about it through residential property investment but did you know that there are 3 key ways gearing can work when investing? In this episode Luke explores these 3 ways and some of the important issues you might consider when using the gearing strategy to help you grow your investments. Of course gearing doesn’t come without risk, so as always, seek advice if you need help.
Thank you for...2025-03-0200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Misconceptions around money in 2025Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 February 2025. The topic for this week is: Misconceptions in 2025 – Common mistakes people make when managing their money. There is a lot of information around financial matters – but not all of it is correct. If you hear about a financial opportunity or tip, it’s essential to check it out properly from a reliable source before you take action. Luke explores some key misconceptions he’s been hearing this year to help you separate the facts from the fiction.
Thank you for joini...2025-02-2400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to use Shares and ETF’sFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 February 2025. The topic for this week is: How do use and select shares and Exchange Traded Funds (ETFs) in an investment portfolio? There is quite a bit to consider when you think about it deeply and it may pay dividends to seek advice and get professional assistance. Luke explores some key issues you should consider when exploring shares and ETFs.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks...2025-02-1700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Do kids pay tax on a super inheritance?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 February 2025. The topic for this week is: Do kids pay tax on a super inheritance? Many people don’t realise that your kids may pay tax on a super inheritance. And while we apparently don’t have any death taxes in Australia, this superannuation tax sure behaves like it, albeit called by another name. Is there anything you can do about it? Luke explores some strategies, including the re-contribution strategy.
Thank you for joining us live on 2CC, YouTube or your f...2025-02-1000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to use an in specie transfer to boost your superFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 31 January 2025. The topic for this week is: How to use an in specie transfer to increase your super without using cash. Many people don’t realise that assets other than cash can be put into a super fund. This includes property and shares you hold in your own name.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What is an in spec...2025-02-0300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to start a transition to retirementFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 24 January 2025. The topic for this week is: How to start a transition to retirement pension? At the start of the year many people return to work and start thinking about their retirement planning. A transition to retirement strategy might be right for you if you’ve reached your preservation age (between 55 and 60, depending on when you were born).
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Ke...2025-01-2800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Total Super Balance – How will it impact your retirement planning?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 17 January 2025. The topic for this week is: The Total Super Balance – How much can you have? There is a limit and it impacts what and how you can contribute in additional savings for your retirement. Luke explores this topic as many Australians look to boost their super before retirement.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What is the Tota...2025-01-2000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – New year resolutions: Set yourself up for success in 2025.Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 10 January 2025. This is the first show of 2025 and Luke returns to the studio with Leon. The topic for this week is: New year resolutions – Set yourself up for success in 2025. The show offers some tips and tricks for getting started on your financial goals.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Having a resolution or plan is important
Behaviour...2025-01-1500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Personal Financial Planning Issues for 2025Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 20 December 2024. This is the last show of 2024. Luke joins Nicole Overall this week as Leon takes well-deserved Christmas leave. The topic for this week is planning for the new year.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What will happen in the US?
Keep Trump in perspective – noise versus substance/reality
Cost of living issues continue in Australia, but not...2025-01-0300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – The Transfer Balance Cap and Tax Free MoneyFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 December 2024. Luke joins Leon Delaney in the studio to talk about super, retirement and in particular the Transfer Balance Cap. This is Leon’s final show for the year – Merry Christmas Leon! Luke will be joined by Nicole next Friday, just before Christmas. This week Luke provides a deep dive into the Transfer Balance Cap, which is the amount of money you can take from a pension tax free at retirement. It’s important to remember, if you exceed the cap, it’s not the...2024-12-1600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Luke’s Christmas Spending Tool KitFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 December 2024. Luke joins Leon Delaney in the studio to talk about Christmas spending. It’s summer and as we approach Christmas, retailers are doing all they can to help you get into the spirit of spending and gifting. Luke offers a Christmas survival tool kit to help you through the festive season spending and avoid the credit card blues in January.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke T...2024-12-0900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Re-contribution Strategy – Can you save tax for your kids?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 29 November 2024. Luke joins Leon Delaney in the studio to talk about a superannuation strategy that makes a lot of dollars and sense. There are a lot of incorrect assumptions about superannuation and this episode takes a deep dive into one of them.
It’s correct to say that if you are over 60 you can withdraw money from super tax free. However, the assumption that when you pass, any money in your superannuation or pension account will pass tax-free to your ad...2024-12-0100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Is it time to take profit from your super fund or your pension?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 22 November 2024. Luke joins Leon Delaney in the studio to talk about taking profit from your super fund. Investors in the recent times have had great returns on their superannuation. With many enjoying double digit returns right now, Luke asks the question: Is now a good time to take profits from your superannuation fund?
It is of course important to remember that returns fluctuate and there’s lots of things out of your control that can impact your investments so is th...2024-11-2500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How much does a SMSF really cost?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 15 November 2024. Luke joins Leon Delaney in the studio to talk about Self Managed Super – how much does it really cost?
There’s lots of discussion about different superannuation vehicles, industry funds, personal funds and self managed super and which one is best? The best vehicle for you may not be the best vehicle for someone else, depending on your situation, goals and future needs. In this episode Luke takes a deep dive into Self Managed Superannuation including the costs. It migh...2024-11-1800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What does Trump mean for your portfolio?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 8 November 2024. Luke joins Leon Delaney in the studio to talk about the outcomes of the US Election and what Donald Trump in the White House means for your investment portfolio? The return of President Trump undoubtedly surprised many Australians.
Given the significance of the Australia – US relationship, some US policies might affect us domestically. And with many Australian’s holding overseas investments as part of their personal, super and retirement savings, right now is a great time to check in on wh...2024-11-1200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Top tips for working with a financial planner effectivelyFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 1 November 2024. Luke joins Leon Delaney in the studio with Luke to talk about how to work effectively with a financial planner. Advising clients is an important role, and to get the most out the relationship you have with a financial planner, there’s things you can do to make your life easier and the life of your planner too.
It’s important to remember that all financial planners have to follow certain rules when providing and implementing financial advice. This incl...2024-11-0500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Investing outside of super for the long term
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 25 October 2024. Luke joins Leon Delaney in the studio with Luke to talk about an important topic. What can I do outside of super to compliment my long term financial plans?
Superannuation is a great and tax effective vehicle for saving for retirement. But once you put the money into super, you can’t access it until you reach a condition of release, which is usualy retirement age. As a result, it’s good to keep something outside of supe...2024-10-2800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Emergency Fund and Income Protection Insurance – How will you protect your family and yourself?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 18 October 2024. Luke this week Leon Delaney returns to the studio with Luke to talk about an important topic. Should you have an emergency fund and income protection insurance?
Planning for the unexpected is an important part of any financial plan. But how will you plan and manage those unexpected events and the pressures on money they may cause? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talk...2024-10-2100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Does the system work for retirees and those who need aged care?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 11 October 2024. Luke this week is joined by Nicole Overall who is sitting in the chair for Leon Delaney. Recently, Luke and Nicole talked about negative gearing. One of the issues they didn’t talk about was that there’s lots of people out there who aren’t wealthy but have an investment property and are trying to get ahead. They would be greatly affected by any changes made to the current rules.
This week’s discussion is wide ranging and includes...2024-10-1500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to minimise tax on the sale of an assetFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 4 October 2024. Leon’s back in the studio this week. Last week Luke and Nicole talked about the demise of negative gearing and the impact on people who have invested in property.
This week’s topic asks the question: How do you minimise tax on the sale of an asset, such as an investment property that you no longer wish to hold? Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Tal...2024-10-0800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Is negative gearing dead? How will it impact you and your investments?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 27 September 2024. Leon’s out of the studio this week so Luke is joined by Nicole Overall to talk about negative gearing.
House prices and negative gearing have been making lots of headlines as the Federal Government talks about changing the rules. This week’s topic asks the question: Is negative gearing dead? And what does it mean for you and your investments? It’s a wide-ranging discussion covering property, negative gearing, capital gains tax, and more. Thank you for joining us liv...2024-10-0100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to salary sacrifice and make personal deductible contributions at same time to lower your taxFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 20 September 2024. The topic this week is how to salary sacrifice into super and make personal deductible contributions at the same time to lower your personal income tax. Australian’s love a tax deduction, but many people don’t understand the different ways to do it. This episode aims to provide some general financial information about how to contribute to your super for your retirement. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Tal...2024-09-2400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Residential property – Does gearing still work? What should you consider before you invest in property?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 13 September 2024. The topic this week is residential property the right investment. Australians love a residential property investment but is it really the right investment for your goals? This episode aims to provide some general financial information about this type of investment including the issues to consider before you make the decision to buy. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Why do Aus...2024-09-2300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Are converting preference shares or hybrid shares part of your investment portfolio?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 September 2024. The topic this week is Converting Preference Shares and your investment portfolio. While most of us have heard about shares, we might not have heard about Converting Preference Shares. This episode aims to provide some general financial information about this type of investment and how and when it might be used. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Whare are converting preference shares...2024-09-1300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Gifting and Centrelink, what you should knowFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 30 August 2024. For many Australians a financial gift to adult children or grandchildren to help them on their own journey is something that many wish to do. It might be money they’ve saved or received from an inheritance. This episode aims to provide some general financial information about the implications of Gifting upon Centrelink. Like all financial matters, it makes sense to understand the financial implications of decisions before you enact them. Thank you for joining us live on 2CC or your fa...2024-09-0200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to maximise income from your portfolioFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 23 August 2024. Anyone who invests cares about the income and return they receive from their investment portfolio, but it becomes even more important when you’re about to retire from work. This episode aims to provide some general financial information about investment, super and retirement for pre-retirees or those thinking about retirement in the next 5-10 years. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include...2024-08-2700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to get the maximum into super and lower your taxFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 16 August 2024. Those who work enjoy the contribution their employer makes to super for them, but it surprises many to learn that there are limits on what you can put in. It’s quite strange really, as you think the government would be trying to encourage everyone to save more so they have to pay less in the form of Centrelink Pensions. This episode aims to provide some general financial information about super contribution types and limits. Thank you for joining us live on...2024-08-2100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Seven deadly taxesFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 9 August 2024. This show this weeks show looks at seven deadly taxes. We’re not talking about income tax, capital gains tax or the GST, but the taxes of situations and behaviour that slow progress towards our goal. This episode aims to provide some general financial information about how to manage your money better. Leon s starts the topic by talking about ‘the loyalty tax’. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks...2024-08-1400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How do you judge a good super fund?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 2 August 2024. This show this weeks show looks at superannuation. Every working Australian has a super fund helping them save for retirement, but how do you judge a good super fund from a bad super fund?. This episode aims to provide some general financial information about how you might think about it, when considering your superannuation. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Whi...2024-08-0400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Should I have an interest only loan on my investment property?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 26 July 2024. This show this weeks show looks at interest only loans on investment property. This episode aims to provide some general financial information about how you might think about paying that loan back, given the cost of living challenges many households are facing right now. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Why is it good to get a mortgage broker involve...2024-07-2900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Taking a PSS Benefit, is a full pension right for you?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 19 July 2024. This week’s show looks at the PSS. As many PSS members are approaching retirement, Luke is finding that there are some definite knowledge gaps when he speaks with members about their own retirement plans. This episode aims to provide some general financial information about the fund to help PSS members move forward more confidently. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include...2024-07-2200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Can a testamentary trust protect your kids?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 12 July 2024. This week’s show looks at an important estate planning issue, and one that’s very important for those with people who have minors or those under 18 in their lives. This week Luke explores Testamentary Trusts, what they are, and why you might consider them as part of your own financial planning strategy when it comes to planning your estate. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key...2024-07-1500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How do you start a pension from your super?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 5 July 2024. As we enter a new financial year, some of us start thinking about our retirement plans. Many people start planning for retirement at around this time of year, with a view to wrapping up full-time work around Christmas. There are however other strategic financial planning reasons why you might start a pension from your super in July other than starting full-time retirement. Thank you for joining us live on 2CC or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talk...2024-07-0800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Set goals for the new financial year!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 28 June 2024. The end of the financial year was this past weekend, so if you missed out on making a super contribution to get a tax deduction this year, plan ahead for next year and that’s inline with this week’s topic: Is it time to make some financial year resolutions for the new financial year? Goal setting and good habits are essential to help you reach your goals. Thank you for joining us live on 2CC or your favourite podcast streaming serv...2024-06-2900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Controlling risk in super in the new financial yearFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 21 June 2024. With the end of financial year just a week away, Luke reminds listeners to check with their superfunds to see if the window is still open to make a super contribution. This weeks show looks at a new financial year topic: How do you control risk in super in the new financial year? Thank you for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
Most people want a strong income of...2024-06-2400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Should I set up a SMSF on 1 July 2024?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 14 June 2024. With the end of financial year just around the corner the show starts by reminding listeners it’s their last chance to get their end of financial year planning in order. This weeks show looks at a new financial year topic: Should I set up a SMSF on 1 July 2024. There’s some pro’s and con’s to self managed super and if you’re looking to grow your retirement savings, this show is a great place to start looking at the SMSF o...2024-06-1600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Should I sell an investment property and put money into super?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 7 June 2024. With the end of financial year just around the corner, this weeks topic looks at the issues around selling your investment property and putting it into super. There are some reasons to consider this strategy, especially if you’re approaching retirement age. Thank you for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
What are the things to consider around keeping an investment property?
What are your needs given the value of...2024-06-1000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to maximise your tax deduction from an EOFY super contribution?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 31 May 2024. With the end of financial year just around the corner, this weeks topic looks at ‘How to maximise your tax deduction from an EOFY super contribution’. Thank you for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
How do I know how much super has been contributed this year?
Is there any more contributions coming in before the end of the financial year?
How much ‘space’ do you have, you can ‘top up’ th...2024-06-0200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Give your kids the best financial start!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 24 May 2024. This weeks topic is a perennial one that many parents and grandparents ask themselves ‘How can I give my kids the best financial start in life?’. Thank you for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
You don’t need a lot to start
Benefit from compound interest over time
Consider adding to your savings over time
Where should you put your savings?
Let’s look at some saving examples over tim...2024-05-2600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Should you start a pension from super before EOFY?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 17 May 2024. This show considers when the best time to start a pension from super is. With the end of financial year just around the corner, should you start a pension from super before 30 June? Most people look forward to their retirement, but many don’t start their retirement planning until they’re ready to retire. The danger with that is you might miss out on some strategic financial planning opportunities that can better help you get set up for life after work. So st...2024-05-2000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Should I contribute to super before 30 June?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 10 May 2024. This show encourages listeners to consider if they should make a contribution to their superannuation fund before 30 June 2024. The end of financial year is just around the corner and many people are thinking about their tax planning. A superannuation contribution may provide you with a tax deduction if you’re looking for one, as well as help boost your super savings for your retirement. Thank you for joining us live on 2CC or your favourite podcast streaming service.
Key topi...2024-05-1200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What is the Centrelink Income Test?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 3 May 2024. This show explores the Centrelink Income Test as it applies to Centrelink Age Pension entitlements in Australia. If this show is of interest, you should listen to last weeks show too – What is the Centrelink Asset Test? The asset test will also be considered to assess your eligibility for retirement income support. It pays to understand both tests before you retire so you have certainty about your retirement income. Thank you for joining us live on 2CC or your favourite podcast streaming serv...2024-05-0500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What is the Centrelink Asset Test?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 26 April 2024. This show explores a complex topic around retirement. What is the Centrelink Asset Test and how does it work? Centrelink can be a challenging organisation to deal with. A good retirement plan however will consider how income support provided by the Government can fund your life after work, along with any income from your super. Thanks for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
What is the Centrelink asset test for t...2024-04-3000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to use ETFs to your advantage inside super?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 19 April 2024. This week’s show considers Exchange Traded Funds (ETFs) inside super. ETFs are available in a variety of sectors and cater investors seeking diversified portfolios without the need for daily decision making. They can offer cost savings too. Thanks for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
What is an Exchange Traded Fund (ETF)?
Indexes come in many forms – a group off assets in a specific sector or a specific market.
How is...2024-04-2200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – PSS members Don’t miss out on a tax deduction!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 12 April 2024. Leon Delaney returns to the studio this week after his extended Easter break, lucky Leon! This week’s show considers misconceptions around The Public Sector Superannuation Scheme (PSS). Many government employees have a PSS Super or an equivalent military defined benefit account. Sadly, many PSS members are not making the most of their retirement savings options and this episode explores why. Thanks for joining us live on 2CC or your favourite podcast streaming service.
Key topics covered include:
What is...2024-04-1500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Transfer balance cap, what you need to know!Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 5 April 2024. We hope everyone had a Happy Easter, given there was no show last week. Nicole Overall joins Luke this week as Leon is on holidays. This week’s show considers the transfer balance cap. What is it and how does it affect your superannuation account? The show encourages listeners to think about their transfer balance cap when planning their retirement options. Thanks for joining us on 2CC or your favourite podcast streaming service.
Key topics covered include:
What is th...2024-04-0800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Why put money in super and not leave it in your bank account?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 23 March 2024 with Leon Delaney. This week’s show considers contributing to super. Why would you put money into your super and not leave it in your bank account? The show encourages listeners to think about the benefits of super contributions including tax benefits and increased retirement savings. Thanks for joining us on 2CC or your favourite podcast streaming service.
Key topics covered include:
Many people don’t think about the structures that they use to save and invest.
Super is a gr...2024-03-2500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What to look for in a good super fund?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 15 March 2024 with Leon Delaney. This week’s show considers superannuation funds. What makes a good super fund and what makes a bad one? The show encourages listeners to consider their own retirement savings and make sure their fund is right for their needs. Thanks for joining us on 2CC or your favourite podcast streaming service.
Key topics covered include:
Are you in the right super vehicle for your needs? It’s like finding the right car.
It’s not just about...2024-03-1800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to invest in strong markets and record prices?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 8 March 2024 with Leon Delaney. This week’s show considers investing in the current environment – how to invest when there are strong markets and record prices. The show encourages listeners to consider investing new money when the share market is rallying like it is right now. Thanks for joining us on 2CC or your favourite podcast streaming service.
Key topics covered include:
Share markets here and around the world are strong at the moment, and interest rates may have peaked
There’s been...2024-03-1200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Risk and your investment portfolioFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 1 March 2024 with Leon Delaney. This week’s show considers risk and your investment portfolio. The show encourages listeners to consider how risky is the portfolio they’re holding. Many people are often surprised about the risk they’re taking within their superannuation when they take a closer look. Risk is something you should give consideration to for investments both inside and outside of super. Thanks for joining us on 2CC or your favourite podcast streaming service.
Key topics covered include:
Risk a...2024-03-0400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Misconceptions around transition to retirementFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 23 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around the transition to retirement process and strategy. It surprises many to learn that they can access money from their super through a pension, while still continuing to work, earning money and accumulating superannuation!
Key topics covered include:
What is the transition to retirement legislation and strategy?
Can I use the transition to...2024-02-2500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Misconceptions around super death benefitsFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 16 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around super fund death benefits. A passing of a loved one is a very difficult time. It’s not the time to be surprised about what happens to their super or pension account.
Key topics covered include:
What is a binding nomination in regard to your super?
Did you know your Will has n...2024-02-2000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Misconceptions around super fundsFinancial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 9 February 2024 with Leon Delaney. Thanks for joining us on 2CC or your favourite podcast streaming service. This week’s show considers some of the common misconceptions people have around super funds. There are differences between regular funds and defined benefit funds too.
Key topics covered include:
Can I take money from super tax free?
The pension I take from super when I retire is tax free?
60 or 67 – Is access to super is different to access to Centrelink?
Will the income from...2024-02-1100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – New Year Resolutions, 2024Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 22 December 2023. Thank you to everyone who has tuned into 2CC this year to listen to Luke, and a special shout out to the ‘The Strategy Stacker – Luke talks Money’ podcast listeners too. Thanks for joining us on your favourite podcast streaming service. This week’s show, the final of the year looks at New Years Resolutions – 2024. A new year is a great time to renew, refresh and reprioritise your goals. We wish you a Merry Christmas and hope 2024 moves you closer to achieving your persona...2023-12-2300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Can I afford to retire?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 17 November 2023. This week’s show considers asks the question Luke is often asked ‘Can I afford to retire and what do I need?’. While we all will be happy to enjoy life after work one day, it’s important that we set ourselves up for retirement success once that last work payday happens.
Key topics covered include:
The important of getting your information together
Identify your expenses and income requirements
Make sure you identify what you need
Approach it like this – Fix...2023-11-2000 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to turn your super into a pension?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 3 November 2023. The show today continues to sorting out the facts from the fiction when it comes to retirement: How to turn your super into a pension? In recent weeks Luke has been exploring some myths around retirement planning and this show continues this topic series.
Key topics covered include:
A super account doesn’t automatically turn into a pension account when you retire
What is a pension?
Why would you start a pension using money from your super?
How do you...2023-11-0500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What is dollar cost averaging and why would you use it when investing?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 8 September 2023. At the start of Spring it’s been a little cold in Canberra this week but hopefully more summer weather arrives soon. The topic this week for the show is: What is dollar cost averaging and why would you use it? In this podcast Luke explores the key issues.
Key topics covered include:
When is a good time to buy into an investment?
What is dollar cost averaging?
Can you use the strategies in different types on investments?
How it...2023-09-1100 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Is a superannuation balanced fund option really balanced?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 1 September 2023. Spring has arrived and Christmas is really just around the corner. The topic this week for the show is: Super investment options – Is a balanced fund really balanced? In this podcast Luke explores the key issues.
Key topics covered include:
What super fund members think balanced means
What balanced actually means will depend on your fund – it’s a label
What are growth assets?
How many growth assets are found in some balanced funds?
Obviously to a financial planner, a balanc...2023-09-0400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – What is risk and how do you manage it?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 25 August 2023. The topic this week for the show is: What does risk really mean and how do we manage it? It’s an important topic as it affects everyone’s financial plan. In this podcast Luke explores the key issues.
Key topics covered include:
It’s important to separate the investment vehicle from the risk
Assets like shares carry some uncertainty
People have different attitudes about risk
What you invest in determines risk, how fast will you drive your investment vehicle...2023-08-2800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How much money can I take when starting a pension from super?Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 11 August 2023. Luke starts the show sharing some recent good advice experiences. There’s a lot of misinformation out there and people often don’t know about the decisions they can make to achieve their goals sooner. The topic this week for the show is: How much money can I take when starting a pension from super? It’s an important one for pre-retirees who need to replace their work income with an income stream from their super.
Key topics covered include:
Spe...2023-08-1400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Investing in property. Part 2: Commercial Property
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 14 July 2023. Luke this week is joined by Mark Nicholls a Commercial Agent at Raine & Horne. The topic this week for the show is: Investing in property – Commercial Property – What are the key things to be aware of before you buy it.
Key topics covered include:
What are the different categories of commercial property?
How does commercial real estate compare to residential property?
How do commercial rental leases work?
Are there rules around what type of business you can put i...2023-07-1700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – New Habits for a New Financial Year
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 30 June 2023. The topic this week for the show is: What are you financial new year resolutions? Will you make some changes to the way you do things or are there some new habits you want to adopt? Luke explores what some of those actions and behaviours might be, so you set yourself up for continued success.
Key topics covered include:
If you haven’t made a contribution to super by 30 June, you’ve probably left it too late for...2023-07-0300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Luke’s top 5 risks in retirement and how to avoid them!
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 23 June 2023. The topic this week for the show is: What are the top 5 risks for people approaching retirement? If retirement is on the horizon there’s somethings you need to consider before you give up work. Make a plan and set yourself up for success.
Key topics covered include:
There are some risks for retirees, but you can avoid them if you have a plan.
Do you know what income you need to retire on?
Do you have de...2023-06-2600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Should I salary sacrifice in the new financial year?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 16 June 2023. The topic this week for the show is: Salary sacrifice and super opportunities for the new financial year. The end of financial year is just around the corner and if you haven’t got your super contributions in check the due dates with your provider – some providers are saying they can’t guarantee processing your contribution if you leave it to the end of the month. In this episode however Luke explores opportunities for the new financial year. What are they...2023-06-1900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – How to reduce your working hours by starting a pension
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 9 June 2023. The topic this week for the show is: How to reduce your working hours by starting a pension. There’s lots of misinformation about retirement and when you can access your super. In this episode Luke explores the transition to retirement strategy which means you can continue to work while drawing an income from your super to plug the gap.
Key topics covered include:
Did you know you don’t have to stop working to access your super...2023-06-1200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Are all accountants the same?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 12 May 2023. Before they start the show Leon mentions the opinion piece Luke wrote for the Canberra Times this week, about how legislators could help close the super gap for females and provide better retirement outcomes. The topic however this week for the show is are all accountants the same?
Key topics covered include:
The end of financial year is just around the corner!
Your situation should determine what type of accountant you need. They’re not all the sam...2023-05-1500 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Defined benefit funds and income tax deductions
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 14 April 2022. Both Luke and Leon return to the studio after last Friday’s Good Friday public holiday. They start the show by talking about Luke’s just released new book ‘Smart Money Strategy’. The topic this week though is an important one – Defined benefit funds and income tax deductions – can you lower your income tax?
Key topics covered include:
CSS PSS – Government Super Funds
DFRDB MSBS – Military Super Funds
How do they differ from other types of accumulation super funds?
How...2023-04-1700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Smart Money Strategy Interview with Leon Delaney
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 31 March 2022. Leon Delaney returns to the studio with Luke and continues the conversation about Luke’s new book which is out now: Smart Money Strategy – Your Ultimate Guide To Financial Planning. The book is published by Wiley.
Key topics covered include:
Should 2CC change the name of the show from Money Matters to Smart Money Strategy?
Why understanding your thoughts and feelings about money is a good place to start when thinking about your financial life.
What is strat...2023-04-0300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Smart Money Strategy Book, Part 2
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired on Friday 24 March 2022. This weeks topic Luke continues the conversation about his new book that was officially launched this week – Smart Money Strategy – Your Ultimate Guide To Financial Planning is out now.
Key topics covered include:
How did the Smart Money Strategy Book launch go?
Financial planning strategies will be different for people in different life stages
Regardless of your age, it comes down to your why – your own goals
Cashflow drives the ability to make decisions and will impact the fina...2023-03-2700 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Non-concessional contributions allow you to get money into super quickly
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Matters Show which aired on Friday 3 March 2022. This weeks topic is: How to make non-concessional contributions to super. However Luke and Leon start the show by talking about the recently proposed Super tax increase on high superannuation balances. Luke explores what the changes really mean.
Key topics covered include:
What is a non-concessional contribution to super
What is the limit of non-concessional contributions you can put in to your super every year?
Good news – you don’t need to be working to make...2023-03-0600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Super Splitting – What is it? How does it work?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 10 February 2022. At the start of the show Leon talked about Luke’s new book ‘Smart Money Strategy’ This week Luke received an advance author copy, due for release 14 March 2023. This weeks topic is: Super splitting – what is it and how does it work?
Key topics covered include:
Can you really split your super with your partner?
What kinds of superannuation contributions can you split?
How much can you super split?
When can you split your contributions?
Why would you...2023-02-1300 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Debt and cashflow, make a plan to take control
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 3 February 2022. This weeks topic is: How to get rid of your debt and cashflow pain in 2023. Luke joins Leon in the studios at 2CC to talk about taking control in 2023.
Key topics covered include:
It’s a new year and a good time to make a plan
Life is expensive, and it could be about to be getting more expensive with mortgage rates rises
A good place to start is checking your rate – a mortgage broker can help y...2023-02-0600 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC -Top 5 Questions from 2022
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 20 January 2022. This weeks topic is: Luke’s top 5 questions from 2022? This show looks back at the things that Luke was asked the most from people in his role as a financial planner last year. But before they start the questions, Luke answers a question from a listener.
Key topics covered include:
Listener question from last weeks show: Why can’t you live in a property that’s owned by your self managed super fund?
How much do I need to...2023-01-2200 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Fees on super, how much are you really paying?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 6 January 2022. Leon’s on holidays this week so Luke has a guest co-host. This weeks topic is: Assessing your administration fees and other fees on your super. As we enter the new year, it’s a good time to make sure you’re getting fair value on the costs associated with retirement savings. Over many years those fees can really add up.
Key topics covered include:
When was the last time you checked what you’re paying?
Fees often...2023-01-0900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – 2023 New Year Resolutions
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 16 December 2022. This week Leon is back in the Studio with Luke. This weeks topic is: Planning ahead, New Year Resolutions for your finances.
Key topics covered include:
There’s lots of resolutions but let look at some financial ones
When it comes financial goals, start with your spending (budget)
Start something a little sooner, means less radical changes later in life
Save a few dollars here and there provides you with the ability to save (actively saving)
If you...2022-12-1900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Who is on your advice team and what can they do for you?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 4 November 2022. They start the show by talking about a review into financial advice that’s happening to make advice more accessible. This week’s topic for discussion however is: Who is on your advice team and what can they do for you? It’s hard to go it alone sometimes, so surround yourself with good advice providers.
Key topics covered include:
Assumptions often cause bad financial outcomes – why have an advice team?
The role of a financial planner and...2022-11-0800 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Rising interest rates and your mortgage
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 21 October 2022. They start the show by talking about luxury car tax, a tax that was introduced to protect the Australian car manufacturing. This week’s topic for discussion however is: Rising interest rates and your mortgage. They are on the rise after a long period of being at record lows, so what might mortgage holders think about?
Key topics covered include:
Rising interest rates are expected to continue through to Christmas and perhaps into early next year.
If y...2022-10-2400 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Generating income from your investment portfolio
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 7 October 2022. Leon’s on holiday this week, but Luke is joined by a guest host. This week’s topic for discussion is: How do I generate income from my investment portfolio?
Key topics covered include:
Different assets have different sets of performance expectations within a portfolio
Asset allocation is what we call the mix your different assets within a portfolio
Asset allocations fall into two categories – growth assets and income assets
How much income do you need? Your inco...2022-10-0900 minThe Strategy Stacker - Luke Talks MoneyLuke on 2CC – Setting a financial plan – Where do you start?
Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in The Money Show which aired on Friday 9 September 2022. This week’s topic for discussion however is: Setting a financial plan – Where do you start?
Key topics covered include:
Many people are not sure where to start when it comes managing their financial lives.
There might be a lot of things you need to do and it can be quite overwhelming, which means many people just don’t start, because they don’t know where to start from.
A good place to start is to look at you...2022-09-1100 min