Retiring with Confidence and Understanding Division 296

Retiring with Confidence and Understanding Division 296 – Seminar (or join via live webinar)

Byadmin Updated on Events

Join local financial advisers Rob Goudie and Amy Lehmann for a practical, plain-English presentation designed to help you approach retirement with greater clarity and confidence.

We will explore the key financial decisions people should consider during the five years leading into retirement, from working out how much is enough and creating a reliable retirement income, to managing investments, cash reserves, superannuation pensions and tax.

The presentation will also explain the new Division 296 superannuation tax, which commenced on 1 July 2026. For the 2026–27 financial year, Division 296 can apply where an individual’s total superannuation balance exceeds $3 million, with separate rules applying to balances above $10 million. (Australian Taxation Office)

This is an educational evening for anyone who wants to understand the rules, identify the decisions ahead and begin planning before retirement arrives.

Can’t attend in person? An online webinar is also available. Register for Retiring with Confidence and Understanding Division 296.

What attendees will learn

Retiring in the next five years

  • How to assess whether you have enough to retire.
  • How much income your retirement assets may realistically support.
  • The difference between accumulating wealth and turning it into retirement income.
  • When to consider commencing an account-based pension.
  • How to structure cash reserves for spending and market downturns.
  • The role of superannuation, investments and assets held outside super.
  • Common financial and lifestyle decisions to address before finishing work.
  • Why retirement planning should include spending, travel, family, purpose and estate planning—not simply investment returns.

Superannuation balances approaching $3 million

  • Who may be affected by Division 296.
  • Why the $3 million threshold is assessed against an individual’s total superannuation balance.
  • How the new tax broadly operates.
  • The importance of understanding where future contributions and investment earnings may take your balance.
  • Considerations for SMSFs, couples, business owners and people with assets both inside and outside super.
  • Why decisions should be based on your complete financial position rather than tax alone.
Register here to join in person
Register here to join the webinar

Speakers:

Robert Goudie – Consortium Private Wealth

Robert Goudie is a senior financial adviser and the founder of Consortium Private Wealth, a financial planning firm based in Horsham, Victoria. With over 28 years of experience, he focuses on providing advice to self-managed super fund (SMSF) trustees, business owners, and motivated individual investors.

Amy Lehmann – Consortium Private Wealth

Amy Lehmann is a Financial Adviser with qualifications in Financial Planning and Accounting. She is passionate about helping people avoid the “I wish I knew this sooner” moment by making financial education accessible and practical. She specialises in superannuation, investments, and insurance, empowering her clients to make confident, informed decisions about their financial future. Beyond her advisory work, Amy shares money tips with millennials and Gen Z through social media, helping a new generation build financial confidence.