Monthly update, September 2025

Welcome to the September edition of our client newsletter. Each month, we bring you a selection of timely and practical articles covering tax, superannuation, and financial planning – helping you stay informed and in control.

Economic roundtable wash up – We break down last month’s economic and productivity roundtable outcomes, with the government firmly in control of what tax policy measures might or might not be introduced down the track.

Exceeding your super contribution caps – Super is a great tool for retirement savings, but annual contribution limits apply. We explain what to do if you go over the cap and how to navigate the rules effectively.

CGT and off the plan purchases – Buying property off the plan? There are important CGT implications you need to know. We outline the key issues to keep in mind.

What happens if you don’t have a valid will? – Dying without a will can create uncertainty and stress for your loved ones. We explain intestacy laws and why having a valid will matters.

Deductibility of self-education expenses – Thinking of investing in your skills? We explore which courses may be eligible for tax deductions and the rules around claiming them.

1. Economic roundtable wash up 2. What to do if you exceed your super contribution caps 3. CGT and off the plan purchases 4. What happens if you don’t have a valid will? 5. Deductibility of self-education expenses

• When should I cancel insurance inside my super? Insurance through super can be cost-effective, but it might not always be necessary as you near retirement. We outline factors to consider before making changes.
• Claiming a deduction on super contributions: A guide for ages 67-75. The rules for claiming tax deductions on super contributions are complex, especially for those aged 67–75. We break down the requirements and the work test you need to understand.

We hope you find this edition helpful. As always, feel free to reach out with any questions

This issue reflects the law when it was published. Tax and super rules change often, so please call us before acting on anything in it.