Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we break down catch-up concessional contributions—a government initiative that lets you maximize unused super contribution caps from the past five years. Perfect for anyone who's taken a career break, sold an investment property, or simply wants to optimize their tax position.

We show you how to turn a capital gain windfall into retirement wealth at just 15% tax instead of your marginal rate. We explain why timing matters, how to track your unused caps on MyGov, and the critical mistakes that can cost you if you over-contribute.

Tune in to find out if this strategy could save you thousands in tax this financial year.

-

This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• What catch-up concessional contributions are and who qualifies

• The $500,000 super balance threshold and five-year rule

• Converting 47% tax to 15% on high-income contributions

• Strategic timing for capital gains and career breaks

• How to track unused caps on MyGov without over-contributing

• Pairing catch-up contributions with downsizer and other super strategies

• Balancing tax savings against locking money away until retirement

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify

Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we reveal how to find the sweet spot: protecting your family adequately without draining your finances.

Drawing from years of reviewing client insurance policies, we expose the most common mistakes—from relying solely on inadequate default super cover to over-insuring for circumstances that no longer apply. You'll discover how insurance needs evolve with life stages, how to structure policies tax-efficiently, and practical strategies to reduce premiums without sacrificing protection.

Whether you're just starting out or reviewing existing cover, this episode will help you make informed decisions about one of the most important—yet most misunderstood—aspects of financial planning.

-

This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• The four types of personal insurance and when they overlap

• Why default super cover usually isn't enough

• How to calculate insurance needs based on your life stage

• Structuring strategies to reduce premiums (step vs level, waiting periods, super funding)

• Tax implications of holding policies inside vs outside superannuation

• Common mistakes that leave families exposed or overpaying

• Real cost perspective: What you're actually paying per day for peace of mind

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify

Welcome back to another episode of the 360 Money Matters Podcast!

In this episode, we challenge everything you thought you knew about retirement planning. With Australians now living 25-30 years in retirement instead of 10-15, the old model of "save a lump sum and make it last" is dangerously outdated. We explore why income sufficiency matters more than capital targets, how to structure your drawdown across different lifestyle phases, and why superannuation's tax advantages completely change the game. From bucketing strategies to protect against volatility, to the 4% rule and sequencing risk, discover how to build a retirement plan that actually funds the life you want to live—not just survives until the money runs out.

Tune in to discover what modern retirement planning really looks like.

-

This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706

Episode Highlights

• Why the ASFA benchmark of $690,000 is dangerously misleading

• Income sufficiency vs. capital targets: Planning for lifestyle phases, not just lump sums

• The phased retirement trend: Why people are working longer (and happier)

• Superannuation vs. property: Tax implications that change everything

• Protecting your retirement from inflation and market volatility using bucketing strategies

• The 4% rule and sequencing risk: When market timing matters most

• Warren Buffett's principle applied to retirement drawdowns

Connect with Billy and Andrew!

360 Financial Strategists

Check out our latest episode here:

Apple Podcast

Spotify