Download your free 6-Step Super Check here: https://www.superguy.com.au/6-step-super-check/

Getting close to retirement and want to get the big decisions right?
Learn more about working with our team: https://www.torowealth.com.au/

If you’re new here, I’m Chris Strano, founder of SuperGuy.com.au and Managing Partner at ToroWealth.com.au.

We specialise in helping Australians aged 50–70 optimise their financial position in the lead-up to retirement, so you can make confident decisions about when and how you retire.

In this video, I’ll walk you through five key changes, what they mean for you, and what you can do before 30 June to stay ahead.

Useful resources mentioned:
► Unused Concessional Contributions
https://youtu.be/F9040S_KILs

⏱ Timestamps
00:00 – Big Super Changes From 1 July 2026 (What You Need To Do)
00:40 – Change 1: Concessional Contribution Cap Increase
02:51 – Change 2: Non-Concessional Cap and Bring-Forward Rule
04:30 – Change 3: Transfer Balance Cap Increase
05:59 – Change 4: The $3 Million Super Tax — Division 296
06:59 – Change 5: Deeming Rates Are Rising
08:42 – How To Prepare for the 2026 Changes

DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).

Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.

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Download your free 6-Step Super Check here: https://superguy.com.au/thank-you-super-check/

Getting close to retirement and want to get the big decisions right?
Learn more about working with our team: https://www.torowealth.com.au/

If you’re new here, I’m Chris Strano, founder of SuperGuy.com.au and Managing Partner at ToroWealth.com.au

We specialise in helping Australians aged 50–70 optimise their financial position in the lead-up to retirement, so you can make confident decisions about when and how you retire.

In this video, I’ll walk you through exactly how the tax rules work at 60; what is tax-free, what isn’t, and two powerful tax strategies most people overlook.

Useful resources mentioned:
► Tax Strategies For Retirement:
https://youtu.be/xfoeoMURxX4
► Transition to Retirement Pension:
https://youtu.be/DC53k48b4Y8

⏱ Timestamps
00:00 – Super Rules at 60 (Most People Get This Wrong)
00:48 – What Actually Becomes Tax-Free at 60
02:52 – The Biggest Misconception About Super at 60
05:00 – New Tax Rule for Balances Over $3 Million (2026)
06:04 – 10:40 – Strategy #1: Carry-Forward Contributions
08:00 – Strategy #2: Transition to Retirement (TTR)

DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).

Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.

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Download your free 6-Step Super Check here: https://superguy.com.au/thank-you-super-check/

Getting close to retirement and want to get the big decisions right?
Learn more about working with our team: https://www.torowealth.com.au/

If you’re new here, I’m Chris Strano, founder of SuperGuy.com.au and Managing Partner at ToroWealth.com.au

We specialise in helping Australians aged 50–70 optimise their financial position in the lead-up to retirement, so you can make confident decisions about when and how you retire.

In this video I’ll walk you through exactly how carry-forward (catch-up) contributions work and how they can give your super a meaningful boost — while potentially saving thousands in tax.

Useful resources mentioned:
► Retirement planning for beginners:
https://youtu.be/GVXwgxI9N6Y

⏱ Timestamps
00:00 - This Super Strategy Could Save You $8,000+ This Year
00:45 - What Are Carry Forward Concessional Contributions & How Do They Work?
01:58 - Benefits of Carry forward Concessional Contributions
03:34 - Are You Eligible to Use Unused Contributions?
04:27 - When Should You Use Unused Contributions?
04:52 - When NOT to Use Catch-up Concessional Contributions
06:57 - Example: How Carry-Forward Contributions Can Reduce Tax
09:01 - How to Set It Up (Step-by-Step)

DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).

Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.

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Download your free 6-Step Super Check here: https://superguy.com.au/thank-you-super-check/
Getting close to retirement and want to get the big decisions right?

Learn more about working with our team: https://www.torowealth.com.au/
If you’re new here, I’m Chris Strano, founder of SuperGuy.com.au and Managing Partner at ToroWealth.com.au

We specialise in helping Australians aged 50–70 optimise their financial position in the lead-up to retirement, so you can make confident decisions about when and how you retire.

In this video, I'll unpack eight retirement planning mistakes I see all the time and how to make sure you don't fall into the same traps.

Useful resources mentioned:
► Carry forward rule:
https://youtu.be/NSlRg3gNAPY
► Retirement planning for beginners:
https://youtu.be/GVXwgxI9N6Y

⏱ Timestamps
00:00 – 8 Retirement Planning Mistakes You Can’t Undo
00:41 – Retiring later than you need to
01:52 – Missing opportunities to boost super
03:33 – Taking on too much investment risk
05:03– Holding on to a home that no longer suits you
06:42 – Forgetting to account for inflation
07:48 – Overlooking big one-off expenses
08:37 – Dismissing the Age Pension
09:36 – Retiring without a solid plan in place

DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).

Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.

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In this video, we’ll break down exactly how far $1 million really goes, and how much income it could provide if you retire at 55, 60, or 65.

► If you need help with your retirement plans, our financial planning firm, Toro Wealth, helps 50 to 70-year-olds optimise their financial position in the lead-up to retirement and feel confident about retirement. Go to https://www.torowealth.com.au/ to find out more.

- Links Mentioned In Video -
►Download Our Free 6-Step Super Check
https://www.torowealth.com.au/6-step-super-check/
►Moneysmart Budget Planner
https://moneysmart.gov.au/budgeting/budget-planner

🔔 SUBSCRIBE FOR MORE VIDEOS
► https://www.youtube.com/channel/UCs1ARI2y18hrjNYVqjtJ-pQ?sub_confirmation=1

📈 Resources to boost your super & build your own retirement plan:
► How Much Super Do You Need to Retire Comfortably: https://bit.ly/364JN5h
► How Long Will My Money Last in Retirement: https://bit.ly/3hcIibz
► How Much Super Should You Have: https://bit.ly/3hpcFu1
► How Much Can You Contribute to Super? https://bit.ly/3jBLH5k
► When Can You Access Your Super: https://bit.ly/3htrlIC
► Should You Withdraw Super to Pay Debt: https://bit.ly/3hbtr0V
► When Can You Access Your Super Tax Free: https://bit.ly/3h95JCh
► How Much Super Do You Need to Retire At 60: https://bit.ly/3dzy1E1

⏱ Timestamps
00:00 – Is $1 Million Enough for Retirement in 2026?
00:45 – How $1M actually funds retirement
01:48 – How retirement age affects your income
02:49 – Retiring at 55
03:20 – Retiring at 60
03:55 – Retiring at 65
04:52 – Understanding your actual expenses
06:10 – ASFA retirement standard benchmarks
07:16 – Options if you haven’t saved enough
08:34 – What if $1M is more than enough?

HOW $1M ACTUALLY FUNDS RETIREMENT

😍 Like this video? Please hit the thumbs up button👍 and leave us a comment below. ⏬

– Is 1 Million Enough for Retirement–
One million dollars. For many Australians, it's the number, the big goal they're working towards before they retire. But here’s the problem. Most people chasing that number have no idea what it actually gives them — or whether they even need it. In this video, we’ll break down exactly how far $1 million really goes, and how much income it could provide if you retire at 55, 60, or 65. Because you might discover something surprising:
You could be working years longer than you need to.
#ToroWealth #SuperGuy #ChrisStrano #Superannuation #RetirementPlanning #Retirement

DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).

Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.

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In this video, I’ll walk you through exactly how you can add $300,000 into your super using the downsizer contribution.

► If you need help with your retirement plans, our financial planning firm, Toro Wealth, helps 50 to 70-year-olds optimise their financial position in the lead-up to retirement and feel confident about retirement. Go to https://www.torowealth.com.au/ to find out more.

- Links Mentioned In Video -
►Download Our Free 6-Step Super Check
https://www.superguy.com.au/6-step-super-check/
►How Super Affect the Age Pension
https://www.youtube.com/watch?v=VOzxbKiklM4&t=660s

🔔 SUBSCRIBE FOR MORE VIDEOS
► https://www.youtube.com/channel/UCs1ARI2y18hrjNYVqjtJ-pQ?sub_confirmation=1

📈 Resources to boost your super & build your own retirement plan:
► How Much Super Do You Need to Retire Comfortably: https://bit.ly/364JN5h
► How Long Will My Money Last in Retirement: https://bit.ly/3hcIibz
► How Much Super Should You Have: https://bit.ly/3hpcFu1
► How Much Can You Contribute to Super? https://bit.ly/3jBLH5k
► When Can You Access Your Super: https://bit.ly/3htrlIC
► Should You Withdraw Super to Pay Debt: https://bit.ly/3hbtr0V
► When Can You Access Your Super Tax Free: https://bit.ly/3h95JCh
► How Much Super Do You Need to Retire At 60: https://bit.ly/3dzy1E1

⏱ Timestamps
0:00 How to Add $300K to Your Super Using Your Home
0:41 What Is the Downsizer Contribution?
1:39 The Two Big Benefits
5:02 Downsizer Eligibility Rules
5:40 How the Downsizer Strategy Works (Real Example)
8:00 Six Downsizer Mistakes to Avoid

😍 Like this video? Please hit the thumbs up button👍 and leave us a comment below. ⏬

– Downsizer Contribution to Super: Rules, Eligibility & Traps –

There’s a little-known government rule that can let Australians move up to $300,000 into super in one hit… completely outside the normal contribution caps.
The surprising part? Most people don’t even realise it exists
It's called the downsizer contribution, and in this video, I’ll walk you through exactly how this rule works, who qualifies, and how it can genuinely improve your retirement.
#ToroWealth #SuperGuy #ChrisStrano #Superannuation #RetirementPlanning #Retirement

DISCLAIMER: The SuperGuy website and SuperGuy YouTube channel contains general advice only. It is not personal advice as it does not take your specific needs or circumstances into consideration. Therefore, you should look at your own financial position, objectives and requirements and seek personal financial advice before making any financial decisions.

General advice is provided by Toro Wealth Pty Ltd trading as SuperGuy Retirement Experts as an Authorised Representative of Core Value FA Pty Ltd (AFSL 480387).


Before acting on any information, you should seek professional advice and verify our interpretation/s before relying on the content or calculators within this website or on the videos, while also considering its appropriateness in relation to your personal situation.

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