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Energy Financial Planning

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Energy Financial Planning

EFP is a financial planning practice with "old school" values, our primary focus are our clients.

02/06/2026

If superannuation already feels like navigating a maze, Self-Managed Super Funds (SMSFs) take the complexity to another level entirely. The decisions you make today can have a profound impact on the retirement lifestyle you enjoy tomorrow — which is exactly why professional financial advice isn't just helpful, it's essential.

Let's make sure your retirement works as hard as you do. Book your complimentary consultation today details in the comments below. 👇

01/06/2026

🏦 I𝗳 𝘆𝗼𝘂'𝘃𝗲 𝗯𝗲𝗲𝗻 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘀𝗲𝘁𝘁𝗶𝗻𝗴 𝘂𝗽 𝗮𝗻 𝗦𝗠𝗦𝗙, 𝘁𝗵𝗲𝗿𝗲'𝘀 𝗻𝗼 𝗯𝗲𝘁𝘁𝗲𝗿 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲. 𝗧𝗵𝗲 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 𝗶𝗻 𝗳𝗿𝗼𝗻𝘁 𝗼𝗳 𝘆𝗼𝘂 𝗶𝘀 𝘀𝗶𝗴𝗻𝗶𝗳𝗶𝗰𝗮𝗻𝘁, 𝗮𝗻𝗱 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗰𝗼𝘂𝗹𝗱 𝗺𝗲𝗮𝗻 𝗹𝗲𝗮𝘃𝗶𝗻𝗴 𝗿𝗲𝗮𝗹 𝘄𝗲𝗮𝗹𝘁𝗵 𝗼𝗻 𝘁𝗵𝗲 𝘁𝗮𝗯𝗹𝗲.

Since this Budget dropped, the case for a Self-Managed Super Fund has never been stronger:

✅ 𝗧𝗼𝘁𝗮𝗹 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 — direct shares, property, ETFs, MDA, term deposits. You call the shots, not a fund manager.
✅ 𝗧𝗮𝘅 𝗮𝘁 𝗷𝘂𝘀𝘁 𝟭𝟱% on investment income and capital gains — compared to up to 45% outside super.
✅ 𝗭𝗲𝗿𝗼 𝘁𝗮𝘅 𝗼𝗻 𝗮𝘀𝘀𝗲𝘁𝘀 𝘀𝘂𝗽𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝗮 𝗽𝗲𝗻𝘀𝗶𝗼𝗻 — your retirement income can be entirely tax-free.
✅ 𝗕𝗼𝗿𝗿𝗼𝘄 𝘁𝗼 𝗶𝗻𝘃𝗲𝘀𝘁 via Limited Recourse Borrowing Arrangements — grow your property or share portfolio inside a concessionally taxed structure.
✅ 𝗣𝗼𝗼𝗹 𝘀𝘂𝗽𝗲𝗿 𝘄𝗶𝘁𝗵 𝘂𝗽 𝘁𝗼 𝟲 𝗺𝗲𝗺𝗯𝗲𝗿𝘀 — ideal for family strategies, with lower relative costs and greater buying power.
✅ 𝗦𝘂𝗽𝗲𝗿𝗶𝗼𝗿 𝗲𝘀𝘁𝗮𝘁𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 — binding death benefit nominations that don't expire, so more of your wealth stays where you want it.
✅ 𝗕𝘂𝗶𝗹𝗱-𝘁𝗼-𝗿𝗲𝗻𝘁 𝗶𝗻𝗰𝗲𝗻𝘁𝗶𝘃𝗲𝘀 — new Budget measures open fresh property investment pathways for SMSFs, including a 4% capital works deduction on eligible developments.

With Labor's strengthened parliamentary position, super reform is firmly on the agenda. The window to structure your SMSF correctly — before further changes arrive — is open right now. If you're a small business owner, a professional, or a farmer, this is the moment to act.

More than 𝟲𝟰𝟳,𝟬𝟬𝟬 𝗦𝗠𝗦𝗙𝘀 already manage over $𝟭 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 in retirement assets across Australia. The question isn't whether an SMSF works. It's whether one is right for *you*.

📞 𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝘄𝗶𝘁𝗵 𝗕𝗿𝗮𝗱 𝗔. 𝗚𝘂𝗻𝗻, 𝗦𝗠𝗦𝗙 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘀𝘁 𝗮𝘁 𝗘𝗻𝗲𝗿𝗴𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴.
Brad works with Australians who are serious about taking control of their retirement and making the most of every opportunity the current environment offers.

👉 www.energyfinancial.au

*General information only. This does not constitute personal financial advice. Please ensure you consult a licensed financial adviser regarding your individual circumstances. *

01/06/2026

Salary sacrifice stands out as one of the most powerful tax and superannuation strategies available to working Australians and timing is everything.

Those who start early gain a significant edge. Compounding growth works quietly but relentlessly in the background, building momentum from the very first contribution. The sooner you begin, the greater the retirement reward waiting for you at the finish line.

If you'd like to explore how salary sacrifice could work for your situation, I'd love to help.

Book a complimentary chat with me — details in the comments below.

31/05/2026

Brad A. Gunn brings more than 25 years of experience to financial planning, with a particular focus on SMSFs, superannuation, and retirement strategy.

He works closely with clients who value clarity and straightforward advice, helping them understand their options and make decisions that suit their goals and stage of life.

Brad’s approach is personal, calm, and grounded in real-world experience.

𝗘𝗻𝗲𝗿𝗴𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 is built around 𝘁𝗿𝘂𝘀𝘁, 𝘁𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆, and the belief that good financial advice should feel 𝗰𝗹𝗲𝗮𝗿 and 𝗺𝗮𝗻𝗮𝗴𝗲𝗮𝗯𝗹𝗲.

Brad A. Gunn
SMSF Specialist
Energy Financial Planning
Offices: Brisbane (Qld) | Moree (NSW)

P.S. - If you want practical tips on wealth creation, superannuation and retirement, make sure you’re following.

28/05/2026

[𝗪𝗵𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿𝘀 𝗿𝗲𝘀𝗶𝘀𝘁 𝗯𝗿𝗶𝗻𝗴𝗶𝗻𝗴 𝗳𝗮𝗺𝗶𝗹𝘆 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗶𝗰𝘁𝘂𝗿𝗲...]

The fear of losing control stops more wealth transfer plans from happening than almost anything else.

But a well-structured SMSF does the opposite - it builds control into the framework. You set the rules. You define the strategy.

The next generation learns as you go - without the need to fully take over.

Planning is not giving up control. It is making sure it lasts!

For years now, I have built family SMSFs that give parents control and bring the next generation in at the same time. If you want to talk about how that works for your family, click the link below.

Brad A. Gunn
SMSF & Wealth Strategy Advisor
Energy Financial Planning

27/05/2026

[Is an SMSF Actually Worth It...?]

A lot of people ask whether an SMSF is actually worth the effort.

And it’s a fair question, because the answer isn’t the same for everyone. It depends on your balance, your long-term plans, and how comfortable you are taking on more control.

I’ve recorded a short video that walks through some of the considerations, the responsibilities, and when an SMSF genuinely becomes an advantage.

Let’s clear up the confusion around it…

Brad A. Gunn
Principal Private Wealth Adviser
Energy Financial Planning

P.S. Don't wait until you're facing problems. Book a complimentary "Clarity Call" with me to discuss.

25/05/2026

In 25+ years of working with families, the most common reason a wealth transfer plan does not exist is not complexity. It is not cost. It is not even apathy (although that is a big one...).

It is that nobody in the family 𝗸𝗻𝗼𝘄𝘀 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘁𝗵𝗲 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗮𝘁𝗶𝗼𝗻.

The parent does not want to raise it because it feels too close to the things nobody wants to think about.

The adult children do not want to push because they do not want to seem like they are after the money.

So everyone stays quiet. And the plan never gets made.

I have sat in rooms where a family has built real wealth over generations. Good people. Hardworking people. And the one thing standing between them and a solid plan is that nobody has said the words out loud.

That's human nature i guess...

But it does need to change. And someone in the family has to be the one to start it.

If that is you, you are already doing the hardest part.

Book a 15-Minute Clarity Call with me - Brad A. Gunn if you would like to talk it through👇.

Brad A. Gunn
Principal Private Wealth Adviser
Energy Financial Planning

𝘿𝙞𝙨𝙘𝙡𝙖𝙞𝙢𝙚𝙧: 𝘛𝘩𝘪𝘴 𝘱𝘰𝘴𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘵𝘪𝘵𝘶𝘵𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘗𝘭𝘦𝘢𝘴𝘦 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘭𝘢𝘯𝘯𝘦𝘳 𝘳𝘦𝘨𝘢𝘳𝘥𝘪𝘯𝘨 𝘺𝘰𝘶𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴.

21/05/2026

A lot of people ask how much cash they should keep aside so they’re not caught off guard when 'life' happens.

It’s a fair question, because access to the right buffer can take a lot of stress out of day-to-day money decisions.

Here's an opinion on what a cash reserve actually does and how to think about the right amount* for you.

*Of course, this content is for general guidance only and should not be relied upon without obtaining specific advice from a licensed financial adviser. But please - don't leave it too long.

Brad Gunn
SMSF Specialist
Energy Financial Planning

20/05/2026

When people focus only on balance size, they often miss what really drives whether an SMSF works well.

A few things that usually matter more:

• How involved you want to be in decisions
• Whether you value transparency over convenience
• How your super fits with business, property, or family planning

The amount you have accumulated to date matters, but it sits alongside these factors, not above them.

An SMSF works best when the structure supports how you think, plan, and make decisions.

That’s the lens that leads to better outcomes over time.

Follow 𝗘𝗻𝗲𝗿𝗴𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 for more SMSF guidance.

---------------------------------

P.S. This isn’t personal advice - just general information to help you think about your options. Always talk to a licensed adviser before acting.

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