As the dust settles following the 2025 federal election, investors and retirees across Australia are facing new legislative realities—particularly around superannuation tax thresholds and broader wealth management strategies. At DP Wealth, we understand that policy change can be unsettling. Headlines about “panic selling” and “super tax shocks” make it easy to lose sight of the long game. But rest assured, with expert guidance and a clear plan, there are effective ways to stay ahead—and stay in control. Division 296 and the $3 million super balance cap From 1 July 2025, individuals with super balances over $3 million may be subject to an additional 15% tax on earnings linked to the amount above that threshold, including unrealised gains. Who does this affect? Self-managed super fund (SMSF) trustees High net worth individuals nearing or exceeding the cap Those relying heavily on super for retirement and estate planning What should you be considering now? Does this change impact your retirement goals? Is your current structure still the most tax-effective for you? Would investing outside of super provide greater flexibility or advantages? Should you revise your contribution strategy before July 2025? Our team can walk you through different scenarios and work closely with your accountant and solicitor to ensure your plan remains efficient and aligned with your life goals. Tax Time 2025: Why Proactive Planning Is Your Best Asset Tax planning is never just about this year’s return. It’s about building strategies to: Preserve capital Optimise income distribution Minimise unnecessary tax liability Ensure intergenerational wealth transfer At DP Wealth, we’re committed to helping you stay on the front foot and ahead of the curve. We regularly review our clients’ portfolios to ensure they reflect both market conditions and legislative change. Key Strategies to Discuss with Your Financial Planner Here’s where personalised advice can deliver real value: Strategic Super Contributions - Make the most of concessional and non-concessional caps while they’re still available. Timing matters—especially leading up to July 2025. Diversified Investment Structures - We help clients explore options outside of super, including investment lending, tax-deferred income products, and ETF-based portfolios for cost-effective diversification Retirement and Estate Planning Alignment Changes to tax and super legislation should never be looked at in isolation. We assess their impact on: Your long-term income needs Binding death benefit nominations SMSF succession planning Collaborative Wealth Management We work alongside your accountant and solicitor to implement an integrated strategy that optimises capital gains and losses, leverages available concessions, and supports tax-efficient legacy. Stay Informed. Stay in Control. As we approach the 2025–2026 financial year, it’s critical to ensure your wealth strategy is future-ready. Now is the time to: Revisit your investment allocations Update your superannuation and contribution plans Start succession and estate planning discussions Speak to a professional before making reactive decisions Ready to talk tax and super strategy? Call our Toowoomba office today on (07) 4690 2588, or book a confidential consultation.

From shifts in U.S. policy and Australia’s market position to the growing appeal of private equity and infrastructure investment, there were plenty of takeaways for investors looking to navigate the year ahead.