0:00 Introduction
1:04 Luke explores the misconceptions that cost people money
17.38 How to Get Personal Financial Advice
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired on Friday 10 April 2026. The topic is: Misconceptions people have as we approach the end of financial year. This show was pre-recorded as Leon and Luke were both on Easter break!
Misconceptions can cost you money and opportunity in your EOFY financial planning and retirement planning. Luke takes a deep dive into the issues and provides the facts to help inform better decisions about your finances. 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 misconceptions covered include:
– I’ve retired from the workforce, so I can’t add more into my super.
– I can’t claim a tax deduction for putting money into super if I’m not working.
– I need to put money into super to lower my tax if I’m working.
– My super balance is over $500k, I can’t make a contribution to super.
– I can’t put money from a pension back into super.
– My kids won’t pay tax from my super when I die.
– Self-managed super funds are expensive and hard to run.
– I don’t have $20,000 to start investing, so I can’t start.
– We’re not going to get any Centrelink, because I’m over the asset’s threshold.
– I have a Will that takes care of all of my assets.
– Does balanced mean balanced – 50% growth or 50% defensive inside my super – What are you actually invested in?
– Luke shares information on where to get more information.
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.
Looking for more information on superannuation, retirement planning, and financial planning? Dive deeper with Luke’s expert insights and strategies!
📘 Smart Money Strategy by Luke is out now! Discover more at https://thestrategystacker.com.au/ and don’t forget to grab the free templates online right now under ‘Resources’.
🔔 Stay Connected:
• YouTube: https://www.youtube.com/@thestrategystacker for the latest videos.
• Facebook: https://www.facebook.com/envisionfinancial1/ for updates and tips.
• LinkedIn: https://au.linkedin.com/in/luke-smith-26a4ba16 for professional insights.
• TikTok: https://www.tiktok.com/@thestrategystacker for quick tips and tricks.
• X (formerly Twitter): https://twitter.com/envisionadvice for real-time links.
🎧 Listen to Our Podcast:
• Spotify: https://open.spotify.com/show/2V0zIrOJ4RhfNDSDnmjBkK?si=664b05d12c964e10
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• YouTube Podcasts: https://www.youtube.com/@thestrategystacker/podcasts
Got a general financial planning question?
Visit https://thestrategystacker.com.au/ask-luke
If you have specific financial planning questions, please make an appointment with Luke to get personal financial advice. Call Envision Financial on 02 6260 4749 to make an appointment.
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