Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 17 April 2026. The topic is: Who can add money to superannuation and when can you do it?
Imagine missing out on being able to add money to super – and a tax-free pension at retirement – simply because you didn’t know the rules around adding to super. Luke takes a deep dive into this topic to help you make the most of your pre-retirement planning and retirement. Of course, if you need help, please seek financial planning advice.
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:
- People make all kinds of assumptions around adding to super without knowing the facts, so who can add money to superannuation?
- What are the two ways of getting money into super and how much can you put in?
- Are you eligible to put money into super?
- Did you know the downsizer contribution also lets you get money into super?
- Transfer balance cap and total super balance still can cause confusion.
- Catch-up concessional contributions also may help you get more money into super.
- Once you start a pension you can’t put money into it, but it doesn’t automatically mean you can’t put money into a super account.
- Luke explores how to get money back into super if you’re in the pension phase.
- The benefits of tax-free money in estate planning terms.
- Busting the free myth around running two accounts.
- Luke shares his tips on adding more to super.
Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’
Do you need help with adding more to superannuation or retirement planning?
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. 
