https://finforce.com.au/insights/Super, SMSF, retirement and business owner articles from FinForce, Brisbane.en-auhttps://finforce.com.au/insights/super-contribution-caps-2026-27.htmlhttps://finforce.com.au/insights/super-contribution-caps-2026-27.htmlFri, 23 Oct 2026 07:00:00 +1000The 2026–27 super contribution caps explained: $32,500 concessional, $130,000 non-concessional, bring-forward and carry-forward rules. Sourced from the ATO.Superhttps://finforce.com.au/insights/division-293-tax-explained.htmlhttps://finforce.com.au/insights/division-293-tax-explained.htmlFri, 23 Oct 2026 07:00:00 +1000Division 293 adds 15% tax on concessional super contributions once income plus contributions passes $250,000. How it is worked out and what you can do.Superhttps://finforce.com.au/insights/recontribution-strategy.htmlhttps://finforce.com.au/insights/recontribution-strategy.htmlFri, 23 Oct 2026 07:00:00 +1000What the super recontribution strategy is, who it may suit, and how it can reduce tax on death benefits paid to adult children. General information from FinForce.Retirementhttps://finforce.com.au/insights/super-death-benefits-adult-children.htmlhttps://finforce.com.au/insights/super-death-benefits-adult-children.htmlFri, 23 Oct 2026 07:00:00 +1000How super death benefits are taxed when paid to adult children and other non-dependants, and the planning steps to consider. General information.Estatehttps://finforce.com.au/insights/transition-to-retirement-pension.htmlhttps://finforce.com.au/insights/transition-to-retirement-pension.htmlFri, 23 Oct 2026 07:00:00 +1000How a transition to retirement pension works: access from 60, the 4%–10% drawdown range, tax on earnings and when it can help. General information.Retirementhttps://finforce.com.au/insights/insurance-in-super.htmlhttps://finforce.com.au/insights/insurance-in-super.htmlFri, 23 Oct 2026 07:00:00 +1000How life, TPD and income protection cover in super works, when it can switch off, and what to check. General information from FinForce, Brisbane.Insurancehttps://finforce.com.au/insights/smsf-is-it-right-for-you.htmlhttps://finforce.com.au/insights/smsf-is-it-right-for-you.htmlFri, 23 Oct 2026 07:00:00 +1000An honest look at self-managed super funds: control, costs, trustee duties, the sole purpose test and who an SMSF tends to suit. General information.SMSFhttps://finforce.com.au/insights/smsf-business-property.htmlhttps://finforce.com.au/insights/smsf-business-property.htmlFri, 23 Oct 2026 07:00:00 +1000How business owners can hold business real property in an SMSF and lease it back at market rates. The rules, the risks and the steps.SMSFhttps://finforce.com.au/insights/smsf-trustee-duties.htmlhttps://finforce.com.au/insights/smsf-trustee-duties.htmlFri, 23 Oct 2026 07:00:00 +1000The main legal duties of SMSF trustees: the sole purpose test, investment strategy, separating assets, records and the annual audit. General information.SMSFhttps://finforce.com.au/insights/selling-your-business-super-cgt.htmlhttps://finforce.com.au/insights/selling-your-business-super-cgt.htmlFri, 23 Oct 2026 07:00:00 +1000The four small business CGT concessions, the eligibility tests, and how sale proceeds can go into super. General information for business owners.Business ownershttps://finforce.com.au/insights/business-owner-super-checklist.htmlhttps://finforce.com.au/insights/business-owner-super-checklist.htmlFri, 23 Oct 2026 07:00:00 +1000A practical super checklist for Australian business owners in 2026–27: paying yourself, Payday Super, caps, carry-forward and protecting the business.Business ownershttps://finforce.com.au/insights/payday-super-2026.htmlhttps://finforce.com.au/insights/payday-super-2026.htmlFri, 23 Oct 2026 07:00:00 +1000From 1 July 2026 super guarantee must be paid each payday on qualifying earnings. What changed, what to check, and what it means for employees.Business ownershttps://finforce.com.au/insights/downsizer-contributions.htmlhttps://finforce.com.au/insights/downsizer-contributions.htmlFri, 23 Oct 2026 07:00:00 +1000If you are 55 or older and sell a home you have owned for 10 years, you may be able to put up to $300,000 each into super. The rules and traps.Retirementhttps://finforce.com.au/insights/age-pension-basics.htmlhttps://finforce.com.au/insights/age-pension-basics.htmlFri, 23 Oct 2026 07:00:00 +1000Who can get the Age Pension, the age (67), income and assets tests and how super is counted. General information with links to Services Australia.Retirementhttps://finforce.com.au/insights/how-much-super-to-retire.htmlhttps://finforce.com.au/insights/how-much-super-to-retire.htmlFri, 23 Oct 2026 07:00:00 +1000A practical way to work out your own retirement number, instead of relying on generic benchmarks. Spending, timing, Age Pension and risks.Retirementhttps://finforce.com.au/insights/spouse-contributions-and-splitting.htmlhttps://finforce.com.au/insights/spouse-contributions-and-splitting.htmlFri, 23 Oct 2026 07:00:00 +1000How couples can even out super with spouse contributions, the spouse tax offset and contribution splitting. General information.Superhttps://finforce.com.au/insights/transfer-balance-cap-2026-27.htmlhttps://finforce.com.au/insights/transfer-balance-cap-2026-27.htmlFri, 23 Oct 2026 07:00:00 +1000The general transfer balance cap is $2.1 million from 1 July 2026. What it limits, how personal caps work, and why it matters for non-concessional contributions.Superhttps://finforce.com.au/insights/choosing-a-financial-planner-brisbane.htmlhttps://finforce.com.au/insights/choosing-a-financial-planner-brisbane.htmlFri, 23 Oct 2026 07:00:00 +1000Practical steps for choosing a financial planner in Brisbane: the register, the FSG, fees in writing, process, location and fit.Brisbanehttps://finforce.com.au/insights/financial-planning-brisbane-business-owners.htmlhttps://finforce.com.au/insights/financial-planning-brisbane-business-owners.htmlFri, 23 Oct 2026 07:00:00 +1000Where personal wealth, super and the business meet: a guide for Brisbane business owners on paying yourself, protecting the business and planning an exit.Brisbanehttps://finforce.com.au/insights/consolidating-super.htmlhttps://finforce.com.au/insights/consolidating-super.htmlFri, 23 Oct 2026 07:00:00 +1000How to find lost super, compare funds with the ATO YourSuper tool, and what to check before rolling accounts together, especially insurance.Superhttps://finforce.com.au/insights/scams-and-checking-advice.htmlhttps://finforce.com.au/insights/scams-and-checking-advice.htmlFri, 23 Oct 2026 07:00:00 +1000Common investment scams in Australia, the red flags, and how to check who you are dealing with using ASIC’s registers and Moneysmart.Guides