Luke on 2CC – How to turn super into a tax-free pension in 2026

Описание: Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, that aired live on Friday 27 February 2026. We’re at the end of February the year is flying! Luke is joined by Leon Delaney to talk about a topic that every working Australian will need to give consideration to at some point. The topic is: How do you turn your super into a tax-free pension and why it might make a difference for you? If you’re thinking about your retirement in 2026, or within the next 5 years, this episode will be very valuable to you. 



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:




• Do I just cash out my superannuation and put it into the bank? Yes you can if you want to pay tax! 


• What’s the better way to turn my super into an income stream and have that income be tax free?


• A pension is the most tax effective vehicle in the superannuation environment. 


• When Luke talks about pension here, he’s talking about a pension from your super, not the Centrelink aged pension.


• What are the benefits of a pension from your super?


• What are the common questions Luke gets about retirement, super and pensions?


• How much are you required to take from your pension account each year?


• You probably have cashflow and tax planning strategies available to you at retirement. Do you know what they are and how to use them?


• How often do you need to take a pension payment?


• Why is it important to understand the different between a lump sum payment and a pension payment and how you take it out?


• How do you start a pension? How old do I need to be?


• Your preservation age (60, for people born after 1 July 1964) is not the same as your Centrelink eligibility pension age (67, as of 1 July 2023). You might be missing out on opportunities that you don’t even realise this thinking you have to wait until you’re 67. 


• Perhaps you could access your super as a pension and pay off your home loan while another partner doesn’t give up work. 


• Did you know that if you reach age 65, you don’t have to stop working if you don’t want to – but you can pull-out tax-free money from super.


• How can you use the rules to your advantage? Luke talks about some of the strategies you might put to use to help you reach your goals.


• Can you still add to superannuation if you have started a pension? It’s good strategy to help mitigate capital gains tax on sales outside of super. 


• Can you stop a tax-free pension once you’ve started it?


• Luke shares his tips to help you start your retirement planning and pension journey.


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Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’



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Do you need financial planning advice for your own tax-free retirement? 

Would you like a tax-free pension from your super? Superannuation and retirement planning can be complex. Make an appointment to meet with Luke to explore your options and strategies before you retire. Make the most of your retirement strategies!


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 (https://www.envisionfinancial.com.au/...) 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.   (https://www.envisionfinancial.com.au/...)
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