Download your free 6-Step Super Check here: https://www.torowealth.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 exactly how salary sacrifing works, who benefits most from it, and how to make the most of your final working years.

Useful resources mentioned:
► Unused Concessional Contributions
https://youtu.be/F9040S_KILs
► TTR Strategy
https://youtu.be/bS9TuNZqJ-c

⏱ Timestamps
00:00 – In Your 50s or 60s? Do This Now Before You Retire
00:51 – What Is Salary Sacrifice?
01:32 – TheTax Benefit
02:14 – The Other Benefits of Salary Sacrifice
03:21 – Who Does Salary Sacrifice Suit
04:42 – Salary Sacrifice Rules
06:20 – How to Set Up Salary Sacrifice
07:15 – Considerations
07:53 – Combining Salary Sacrifice with a 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://www.torowealth.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 show you how to work out whether working longer is actually improving your retirement… or quietly costing you years that you don’t get back.

Useful resources mentioned:
► Moneysmart Retirement Planner
https://moneysmart.gov.au/plan-for-your-retirement/retirement-planner

⏱ Timestamps
00:00 – When To Stop Saving for Retirement
00:50 – The Biggest Risk in Working Longer
02:19 – Why People Struggle To Stop Working
03:11 – The Hidden Cost of Working Longer
03:58 – 3 Situations When It Makes Sense To Stop Saving
09:16 – Practical Steps To Make the Right Decision

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://www.torowealth.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’m going to walk you through the 5 variables that actually determine how much super you need to retire, plus I'll give you two free tools you can use to figure it out.

Useful resources mentioned:
► What Age Should You Retire?
https://youtu.be/NaknMAnOVk8?si=Q-DXwKgDEDaZatib
► How You Can Structure Your Super To Maximise Age Pension Payments
https://youtu.be/VOzxbKiklM4?si=Plx5jya8uxWFTB65
► Moneysmart Budget Planner
https://moneysmart.gov.au/budgeting/budget-planner
► Moneysmart Retirement Planner

⏱ Timestamps
00:00 – the Amount They Say You Need To Retire
00:56 – the Problem With This Number
02:25 – Variable 1: Your Lifestyle and Expenses
03:27 – Variable 2: Your Retirement Age
04:28 – Variable 3: Life Expectancy
05:26 – Variable 4: Working in Retirement?
06:51 – Variable 5: The Age Pension Eligibility
07:56 – Real Example
10:11 – 2 Free Tools to Help Get You Starte

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://www.torowealth.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 how the bring-forward rules works, when it makes sense to use it, when it doesn’t… and a few strategies to help you get even more value from it.

Useful resources mentioned:
► Concessional Vs Non-Concessional Contributions
https://youtu.be/6BVGdhtY3Go
► Downsizer Contributions
https://youtu.be/FWyyfbPJ8Ig

⏱ Timestamps
00:00 – More Australians Are Moving Money Into Super With This Rule
00:49 – What Is The Bring-Forward Rule?
01:41 – Benefits of The Bring-Forward Rule?
02:49 – Who Can Use The Bring-Forward Rule?
03:29 – When To Use The Bring-Forward Rule?
04:55 – When Not To UseThe Bring-Forward Rule?
07:23 – Strategies To Get More From It
09:26 – 3 Key Things To Watch Out For

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://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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