Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 10 July 2026 with 2CC’s Leon Delaney. The topic is: Personal Super Contributions and the Notice of Intent Form. In this episode Luke takes a look at the trap many fail to miss as people commence their tax returns by themselves or with an accountant – it’s the trap of missing the Notice of Intent form!
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:
- We’ve talked recently about maximising super contributions and the tax deductions you can get.
- This financial year features an increased concessional super contribution cap of $32,500.
- Superannuation contributions needed to be made to your fund before 30 June 2026.
- The Notice of Intent form – What is it?
- Who do you lodge your Notice of Intent form with?
- What does the Super fund do once they’ve processed your form?
- What should I give to my accountant when getting my tax done?
- If you intend to take money out, roll it over, or transition your account into a pension after retiring, there are rules. Your Notice of Intent form must be lodged and processed before any money leaves the account.
- There is no requirement to lodge a separate Notice of Intent form for every single transaction. You can make multiple personal contributions over the year and submit a single, combined form at the end.
- The absolute deadline to submit the Notice on Intent form is either the end of the financial year following the year the contributions were made or when the super fund lodges its tax return—whichever comes first.
- If you choose not to claim a tax deduction, personal contributions fall under non-concessional rules. Non-concessional contributions are capped at $130,000 annually or up to $390,000 over a rolling three-year period.
- Luke shares his thoughts on the Notice of Intent and where to get more information.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Are you making the most your financial planning options?
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. 
