Forman Financial Services

18/09/2026

Received an inheritance? It could affect your Age Pension.

An inheritance can change more than just your bank balance. Depending on your circumstances, it may affect your Centrelink or DVA entitlements and even the aged care fees you pay.

So, when does Centrelink actually assess an inheritance? And what should you consider before deciding what to do with it?

We explain the key things to know in our latest article.

Read the full article: https://www.formanfinancialservices.com.au/inheritance-age-pension/

If you would like advice about your individual circumstances, contact Forman Financial Services or book a meeting with us today.

Learn how an inheritance may affect your Age Pension, Centrelink or DVA entitlements, aged care fees and overall financial position.

14/08/2026

Is your SMSF still right for the next stage of life?

A self-managed super fund may have suited your financial goals for many years. But as your circumstances change, it can be worthwhile reviewing whether it continues to meet your needs.

A move into residential aged care can be an important time to consider your SMSF, including who will manage it in the future, your estate planning arrangements and how it fits into your broader financial strategy.

In our latest article, we look at some of the key questions to consider when reviewing your SMSF.

Read the full article on the Forman Financial Services website:
https://www.formanfinancialservices.com.au/reviewing-your-smsf/

If you would like to discuss your aged care financial planning needs, please contact Forman Financial Services.

31/07/2026

Did you know your Transfer Balance Cap may increase over time - but not everyone receives the same increase?

Many Australians assume they'll automatically receive the full indexation adjustment. In reality, the amount you receive depends on how much of your Transfer Balance Cap you've already used.

Understanding these rules can make a real difference to:

✔️ Your retirement income strategy
✔️ The amount you can keep in the tax-free retirement phase
✔️ Whether an inherited pension can be received without complications
✔️ Your future superannuation planning

The good news? With the right advice, you can make informed decisions before they become costly mistakes.

Read our latest article to learn how Transfer Balance Cap proportional indexation works and why it matters for your retirement planning.

👉 Read the article here: https://www.formanfinancialservices.com.au/transfer-balance-cap-proportional-indexation/

If you're unsure how these rules apply to your situation, contact Forman Financial Services for a confidential consultation. We're here to help you understand your options and plan with confidence.

Discover how Transfer Balance Cap proportional indexation can benefit your retirement strategy and maximize your superannuation potential.

31/07/2026

Have you sold - or are you thinking about selling your business?

Most business owners focus on capital gains tax, but there's another important issue that is often overlooked.

The timing of contributing your business sale proceeds into super can affect your future contribution opportunities and potentially cost you valuable retirement planning options.

A small timing decision today could have a lasting impact on your retirement savings.

Our latest article explains:
✔️ How the Lifetime CGT Cap works
✔️ The hidden trap with your Total Super Balance
✔️ Why timing matters before settlement
✔️ How to avoid missing future contribution opportunities

Read the full article here: https://www.formanfinancialservices.com.au/lifetime-cgt-cap-contribution/

If you're planning to sell your business, speak with us before settlement so we can help you coordinate your tax and super strategy.

📞 Contact Forman Financial Services to arrange a confidential consultation.

Explore the Lifetime CGT Cap contribution and learn how timing affects your superannuation opportunities after selling your business.

24/07/2026

Selling your business? Don't overlook one of the biggest retirement opportunities available.

If you're an eligible small business owner, the Lifetime CGT Cap may allow you to contribute up to $1.865 million from the sale of your business into superannuation without using your normal contribution caps.

However, timing is critical. Many of the available tax concessions require planning before you sign the sale contract. Getting advice early could help you reduce tax and significantly boost your retirement savings.

Read our latest article to learn:
✔️ What the Lifetime CGT Cap is
✔️ Who may be eligible
✔️ Why planning before the sale is essential
✔️ How this strategy could improve your retirement outcomes

👉 Read the full article here: https://www.formanfinancialservices.com.au/lifetime-cgt-cap-2/

If you're thinking about selling your business, we'd be happy to discuss your options and work alongside your accountant to develop the right strategy.

📞 Contact Forman Financial Services today: https://www.formanfinancialservices.com.au/contacts/

Learn how the Lifetime CGT Cap can help eligible business owners contribute up to $1.865 million to super when selling their business. Contact us today.