Astonia Private Wealth

Astonia Private Wealth Astonia Private Wealth — Financial Advisers specialising in retirement planning, superannuation, SMSF, personal insurance, aged care & estate planning.

Tax-effective, tailored financial advice for Australians. Sydney-based, servicing clients Australia-wid Astonia Private Wealth Pty Ltd ABN 92 637 907 665 is a Corporate Authorised Representative (No 1279557) of GPS Wealth Ltd ABN 17 005 482 726 holder of Australian financial services licence number 254544 (“GPS”). GPS is owned by Count Limited ABN 111 26 990 832 of GPO Box 1453, Sydney NSW 2001. Count Limited is listed on the Australian Stock Exchange

02/09/2026

RSUs can create real wealth, but they can also create an unexpected tax bill.

When shares vest, employers may not withhold tax automatically. That means the liability can land later, in one lump sum.

This video explains why planning ahead, knowing your tax position, and setting cash aside can make a big difference.
General information only.



(RSU Australia, restricted stock units Australia, RSU tax Australia, RSU tax explained, restricted stock units tax, employee share schemes Australia, equity compensation Australia, tax on vested shares, RSU vesting tax, employee stock compensation, executive compensation Australia, tax planning Australia, financial planning Australia, wealth management Australia, high income earners Australia, employee shares tax.)

24/08/2026

Employee share schemes can create real value.
But the tax timing can catch people off guard.

In some cases, tax may become payable when restrictions lift or employment ends not when the shares are actually sold. That can create a cash flow problem, especially where the shares are in a private company and there is no immediate market to sell them.

Understanding the tax point before making a move matters.
General information only.



(employee share scheme Australia, ESS tax Australia, employee shares tax, employee share scheme tax, ESS taxing point, equity compensation Australia, share scheme tax planning, private company shares tax, employee stock options Australia, tax on employee shares, financial planning Australia, tax planning Australia, wealth management Australia, executive remuneration Australia, employee equity Australia)

21/08/2026

Earn over $250,000? There may be an additional super tax you need to understand.
Division 293 can apply when your income and relevant concessional super contributions cross the threshold.
In this video, Vineet walks through a simple example to explain how the calculation works and why it matters for higher-income Australians.

General information only.



(Division 293 tax, Division 293 explained, superannuation tax Australia, high income super tax, $250,000 super threshold, concessional contributions tax, super contributions Australia, Australian superannuation, tax on super contributions, financial planning Australia, tax planning Australia, retirement planning Australia, wealth management Australia, high income earners Australia, superannuation strategy, financial education Australia)

24/07/2026

Many retirees believe moving everything into cash is the safest option.

But being too conservative too early can create long-term challenges for retirement income.

This short video explains why a balanced investment strategy is an important part of planning for a sustainable retirement.

General information only.

Watch full video:
https://youtu.be/e5uDFhr-aBE

21/07/2026

The cost of a comfortable retirement changes over time.

Using the latest ASFA Retirement Standard, this short video explains how much income Australians may need in retirement and the factors that can significantly influence that number.

Retirement planning isn't about guessing.

It's about planning with current information and a strategy built around your own circumstances.

General information only.

Watch full video:
https://youtu.be/e5uDFhr-aBE

18/07/2026

The new super contribution rules are now in effect.

From higher concessional contribution caps to updated bring-forward provisions, these changes may influence how you contribute to super and plan for retirement.

Watch this short video to understand the key updates from 1 July 2026.

General information only.

Watch full video:
https://youtu.be/e5uDFhr-aBE

13/07/2026

Retirement planning is not just about asking how much super you have.

It is about understanding how your super, Age Pension position, and lifestyle needs work together to support long-term income.

In this video, Vineet Singh explains why the number can look different for every retiree and why planning should be based on your actual situation, not a generic benchmark.

General information only.

Watch full video:
https://youtu.be/e5uDFhr-aBE?si=EPFobWeIXYRpb6N0

23/06/2026

In an SMSF, related party transactions need extra care.

What may look like a simple arrangement can create compliance issues if asset acquisition rules, market-rate terms or in-house asset limits are not properly considered.

In this video, I explain the key areas trustees should understand.

19/06/2026

SMSF compliance starts with one core rule: the fund must exist for retirement benefits, not personal use today.

The sole purpose test may sound simple, but small shortcuts can create serious consequences for trustees.

Watch Full Video Here: https://youtu.be/L6W_ohQo-Rg?si=nWIQtanN0x8AHHKY

26/05/2026

Most people hear “capital gains tax” and think it only matters when they sell an investment.

But for retirees, the timing, structure, and exemptions can make a real difference.

In this video, I explain the proposed CGT changes, the 30% minimum tax rate, and why the Age Pension exemption is worth understanding.

Small tax details can change big retirement outcomes.

Watch Full Video Here: https://youtu.be/TFQVrBCa41M?si=Ps2RLUrZimAeuWwT

Address

4. 15 7 Maitland Place
Baulkham Hills, NSW
2153

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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