Executive Strategies

05/11/2026

The super strategy you set in your 40s may not be the right one for your 50s.

By this stage of a career, earnings may be higher, retirement is closer and there may be opportunities to use superannuation more strategically.

Carry-forward concessional contributions, non-concessional contributions and, for some people, downsizer contributions can all come into the conversation. But contribution caps, Total Superannuation Balance limits and Division 293 tax also need to be considered.

It raises a worthwhile question: Are you contributing based on where you are today, or simply continuing a strategy established years ago?

👉 Read more about financial planning through your 50s: Your Financial Decade. https://executivestrategies.com.au/2026/09/the-decade-that-shapes-retirement-five-financial-questions-for-executives-and-professionals/

22/10/2026

For many executives and professionals, the decade between 50 and 60 can be one of the most financially significant periods of their career. Income may be at its highest, long-term incentive arrangements continue to mature, superannuation has often become a substantial asset, and retirement starts to move from a distant concept to something worthy of serious consideration.

Yet this stage of life often brings a different type of complexity. In our latest article, we write about five financial questions worth considering as you approach retirement.

More here: https://executivestrategies.com.au/2026/09/the-decade-that-shapes-retirement-five-financial-questions-for-executives-and-professionals/

Approaching retirement? Discover five important financial questions executives and professionals should consider in their 50s, from superannuation and wealth structuring to insurance and employee share schemes.

24/09/2026

Recent reforms to negative gearing and capital gains tax will apply to many future investment decisions from 1 July 2027. While existing arrangements will be covered under transitional rules, the changes alter some of the assumptions that have influenced investment decisions for decades.

Historically, many investors considered debt primarily in terms of how much they owed. Going forward, where that debt sits may become equally important.

Read more in our recent article: https://executivestrategies.com.au/2026/08/why-offset-accounts-may-matter-more-under-australias-new-tax-rules/

15/09/2026

Offset accounts have long helped borrowers reduce interest while preserving access to capital. However, recent changes to negative gearing and capital gains tax may prompt some investors to rethink how debt is structured across their balance sheet.

Our latest article explores the role offset accounts can play in supporting financial flexibility and long-term planning.

For many successful Australians, the wealth-building formula has been relatively straightforward. Build income, reduce non-deductible debt, invest sensibly and allow time to do the heavy lifting. For executives, business owners and high-income professionals, this has often meant directing surplus ca...

20/08/2026

Many successful executives discover that financial readiness and retirement readiness are not always the same thing.

Research suggests that wellbeing in retirement is influenced by far more than wealth alone. Purpose, relationships, routine and a sense of contribution all play an important role in shaping the years ahead.

In this article, James Marshall examines why the transition into retirement may require just as much attention as the financial strategy supporting it.

Read more: https://executivestrategies.com.au/2026/07/the-second-act-why-successful-executives-need-more-than-a-retirement-plan

05/08/2026

For many executives, retirement planning begins with financial goals. The focus is often on superannuation balances, investment performance, tax outcomes and the question of whether enough capital has been accumulated to support the next stage of life.

As Australians live longer and retirement spans several decades, the conversation is beginning to shift from whether someone can afford to retire to whether they are genuinely prepared for what comes next.

Read more in our latest article.

Many executives spend years preparing financially for retirement but less time preparing for life after work. Explore what truly drives retirement success.

30/07/2026

Superannuation plays a significant role in wealth accumulation for many professionals. However, as balances grow, the way additional wealth is directed becomes increasingly important.

Recent changes and proposed measures relating to higher superannuation balances, including Division 296, have increased focus on how executives and business owners manage their money across different structures, particularly where additional tax may apply at higher thresholds.

In this context, some individuals may consider how to support adult children earlier, and whether part of that support may be directed through superannuation.

Want to learn more, read our latest article here: https://executivestrategies.com.au/2026/07/helping-the-next-generation-supporting-adult-children-in-a-changing-tax-environment

Superannuation

16/07/2026

For many executives and professionals, the question is no longer whether to help their children financially, but how to do so in a way that considers potential tax implications and future flexibility.

With the introduction of the Division 296 tax on superannuation balances above $3 million, along with proposed tax changes from the 2026 Federal Budget, many people are rethinking how and when wealth is transferred.

Read more in our latest article here: https://executivestrategies.com.au/2026/07/helping-the-next-generation-supporting-adult-children-in-a-changing-tax-environment/

For many executives and professionals, the question is no longer whether to help their children financially, but how to do so in a way that considers potential tax implications and future flexibility.

24/06/2026

Launching a consultancy is a bold move, but with careful preparation, clear goals, and the right support, it can be the most rewarding phase of your career. Whether you are planning months in advance or responding to unexpected change, now is the perfect time to take control of your future.

If you are considering consultancy in 2026, start your planning today. More in our recent article here: https://executivestrategies.com.au/2026/04/how-to-transition-from-employee-to-consultant-with-confidence/

09/06/2026

From 1 July 2026, payday super will commence. Employers will be required to pay Superannuation Guarantee contributions at the same time as salary and wages, with contributions required to reach the employee’s super fund within seven days of payday.

Are you ready? More here: https://executivestrategies.com.au/2026/04/superannuation-changes-from-1-july-2026-what-executives-and-professionals-need-to-revisit-now/