Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 27 March 2026. The topic is: The Super Splitting Strategy. What is Super Splitting and why would you use this strategy as part of your retirement planning?
Super Splitting is perhaps one of the most underutilised strategies Australians fail to consider as part of their retirement planning. It’s important that you take the time to consider your options and strategies, to help you reach your retirement goals more confidently.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
- What is Super Splitting and how much super can you split?
- What would you split your superannuation with your partner?
- How often can you split your superannuation? Is it once-off or do you have to do it yearly?
- If you super split, does it impact their threshold to make tax deductible contributions? Good news, it doesn’t!
- What happens to super splitting contributions if your relationship broke down?
- Super splitting and the transition to retirement strategy may be an option you consider too
- What might you use the tax-free money for? Pay off the mortgage.
- Are there other reasons why super splitting might be a useful strategy?
- It’s important you know the caveats around this strategy so you use it correctly.
- What are the steps you need to follow to split your super with your partner?
- Also think about your asset allocations when you super split. What is it now? What will you be in your partners super account?
- Luke shares his key strategy tips around super splitting. Seek financial advice if you need help.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Do you need help with super splitting or planning your retirement?
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now. 
