Astonia Private Wealth

Directions Website Contact the business

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

08/10/2026

Your life insurance may be protecting your family.
But have you considered how much they will actually receive?

Life insurance held through super can have different tax implications depending on who receives the payout.
For financially independent adult children, the taxable portion of a death benefit may attract tax.

The cover matters. The ownership structure matters just as much.

General information only.

30/09/2026

The Transfer Balance Cap has increased to $2.1 million.

But here's the detail that's easy to miss:
Your personal cap may still be lower.
If you started a retirement-phase pension when the general cap was lower, future indexation may apply to you proportionally rather than giving you the entire new cap.

Before making your next retirement-phase super decision, know which number actually applies to you.

General information only.

29/09/2026

Do you know your Total Super Balance (TSB)?

It isn't simply a measure of how much you have in super.
Your TSB can influence which contribution and super strategies are available to you, with different rules applying at different balance thresholds.

Knowing your number before making a contribution or planning your next super strategy can make a real difference.

General information only.

26/09/2026

Putting extra money into super isn't always as simple as making the transfer.

Timing matters. Contribution caps matter. And sometimes, even a small amount can change what happens next.
A late-June contribution may not reach your fund until July, while exceeding the standard non-concessional cap can potentially trigger the bring-forward provisions.

This video breaks down some of the contribution traps worth understanding before you contribute.

General information only.

10/09/2026

Selling a property can create an opportunity to move more money into super, but the timing matters.

Under the bring-forward rule, an eligible couple could potentially contribute up to $780,000 combined, with each person contributing up to $390,000, subject to their individual eligibility and super balance.
But there’s an important detail.

Your Total Super Balance is reassessed each year, which can affect how much you can contribute later. The contribution limit is only one part of the strategy. Understanding when and how to use it matters too.

General information only.

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

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.

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

Website

Alerts

Be the first to know and let us send you an email when Astonia Private Wealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Astonia Private Wealth:

Shortcuts

Share

Category