Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 17 July 2026 with 2CC’s Leon Delaney. The topic is: Transition to retirement. In this episode Luke takes a look at the transition to retirement strategy. It’s a strategy that can be used in a variety of different ways to help you reach your goals sooner.
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 are the eligibility rules around transition to retirement?
- How much can you take out of your superannuation while you’re still working each year?
- You can move some of your super into a pension so you can access it!
- What could you use the money for? There’s lots of reasons like paying off a mortgage, a car loan, or a holiday.
- Luke gives an example, with a $500k balance, you could access 50k right now – that’s 10% of the balance.
- You could also use the money to generate tax deductions buy adding money back to super – which can reduce a tax bill.
- Alternatively, you could use the money to reduce the number of hours you’re working each week!
- There’s lots of options to consider how you use the transition to retirement strategy.
- How do you start a transition to retirement pension? Luke outlines the steps.
- Remember you don’t have to quit your job to access your super under these rules!
- Luke shares his thoughts on the transition to retirement strategy – start with the right reasons for your situation.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Are you making the most your retirement 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. 
