Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 18 September 2026 with 2CC’s Leon Delaney. The topic is: Have you thought about the re-contribution strategy? In recent episodes we’ve talked about the taxes your adult children will have to pay on your super or pension. But did you know there’s away around it? In this episode Luke takes a deep dive into the recontribution strategy. It’s a must listen episode for every pre-retiree and retiree.
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:
- Would you be happy if your super to be taxed at 17% to your beneficiaries if they were non-dependents e.g. adult children?
- Let’s start at the beginning, how does this tax on super come to be?
- Look at your own super? Where has it come from? What amount carries tax?
- Many people think super is tax free – yes, it is to you and your spouse if you’re over 60, but not to your adult children!
- So how does the re-contribution strategy work?
- At what age can you start the re-contribution strategy.
- Can it be worthwhile to run two superannuation funds?
- What about if you receive an inheritance and you want to put it into super?
- Luke explores his top tips when considering the re-contribution strategy.
- Remember to seek advice if you need help. Make good decisions at the start.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Do you need help with your retirement planning and recontribution strategy options?
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including insurance, 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. 
