Thomson Wealth Financial Advice Canberra

14/05/2026

Happy 21st birthday to our lovely Associate, Amanda!

10/05/2026

What did you do for Mother’s Day?

Today my daughter Rose, along with my sister and her kids, did the Mothers Day Classic 🏃‍♀️

31/03/2026

If you’ve spent decades building wealth inside super… this matters.

From 1 July 2026, super balances over $3 million will face higher tax under the new Division 296 rules.

For many successful families, farmers and business owners, this raises an important question.

Is super still the best place for all long term wealth?

I’m hosting an education lunch in to unpack what these changes mean and why investment bonds are starting to come back into the conversation.

This session was actually sparked by a conversation I had with my dad (who farms locally) about the impact of the new tax and how he can potentially reduce tax for himself and the next generation.

If you want to better understand:

✔️how Division 296 works
✔️what it means for larger super balances
✔️how investment bonds may complement wealth outside super
✔️and how to think about tax and succession planning

this session is for you.

📍 Bull & Bell Steakhouse, Griffith
📅 1 May
🍽 Lunch provided
⚠️ Seats are strictly limited

👉 Register via Eventbrite (message me for link).

https://www.eventbrite.com.au/e/super-balances-over-3m-division-296-tax-and-investment-bonds-explained-tickets-1985180487277?utm_experiment=test_share_listing&aff=ebdsshios&sg=e3aee8e24bb6f68dffb541ccc74044f91180e2801d9e5dc070203e5c43c4924d673b975346d47d3ec9fff59072974e24bc34b776845ddbb12b5d509c954d165883f9b3a30159f36b312be416dd9a

18/01/2026

📣 Have a Defined Benefit? You Might Still Be Hit by Div296 tax

From 1 July, the new Div296 tax will apply an additional 15% tax on super balances over $3 million (even more on $10m+).

But if you’re in a defined benefit (DB) scheme like PSS or Military Super, you could be affected even if your balance is under $3M—especially if you also have other super in retail, industry, or SMSF funds.

Why?
Because the ATO will estimate your DB value using a formula that hasn’t been finalised yet. And depending on the number they choose, your “notional” balance could suddenly tip you over.

🔍 Here’s what I’m keeping a close eye on:

– How will DB pensions be valued?
– Will indexation be treated as ‘earnings’?
– How do these new rules interact with existing DB tax law?
– Could reversionary or temporary pension increases trigger a tax bill?
– Will there be any transitional relief for long-time members?

At Thomson Wealth, we’re prioritising our Family CFO clients. Running modelling now to help them make informed decisions about cash flow, retirement timing, and tax planning.

📆 If you’ve got a DB pension and haven’t had personalised advice yet, now’s the time to act.

🗓️ Book a free 15-minute call via the link in bio.

⚠️ General info only. Final rules may still change.

08/01/2026

💡 High income ≠ guaranteed wealth.

Huge thanks to Lucy Dean from the The Australian Financial Review for inviting me to contribute to this great conversation. 🙌

Time and time again I see high-earning families doing all the right things, excelling in their careers, supporting their families, and saving hard. Yet still struggling to build lasting wealth. Simply focusing on paying down the mortgage and holding cash often isn’t enough to secure long-term financial freedom.

The wealth trap many high-income earners fall into comes from income comfort, not income deficiency, a sense that earning a lot means you’re on track. Unfortunately, without a plan to make your money work as hard as you do, that comfort can be a false sense of security.

Here’s what makes the difference:

📈 Invest early. Let compounding work its magic
📊 Strategic super contributions. Grow tax-effective retirement balances
📉 Good debt. Used wisely, it can be a tool to accelerate investment rather than just something to eliminate

But here’s the human part: high incomes often come with high demands. Big careers, family life, health, hobbies — on an already packed schedule, finances can easily slip down the priority list.

We’re all experts in our own fields, which is exactly why busy, high-income families benefit from a trusted financial adviser. Someone who helps turn high income into lasting wealth, not just high expenses.

An adviser can ensure you’re set up to be financially comfortable when that generous salary eventually stops.

⬇️
Read the full article here https://www.afr.com/wealth/personal-finance/how-to-avoid-the-high-income-earner-wealth-trap-20251212-p5nn73?utm_source=afr-web&utm_medium=share_article&utm_campaign=wealth&utm_content=afralldigital&utm_term=product_feature

03/01/2026

Thanks Thomson Wealth Financial Advice Canberra for the yummy hamper! It’s been a pleasure working with you again this year 🥰🎄

03/01/2026

29/11/2025

We’ve been nominated for two IFA Excellence Awards!

A testament to the great Thomson Wealth team, wonderful clients and my determination to provide holistic advice with an AI powered business.

Awards presented in Sydney this week.

20/11/2025

We’re excited to introduce our second new team member — Amanda!

Originally from the country, Amanda moved to Canberra after working in banking and is now studying financial planning at the University of Canberra.

She joins us as a Client Services Officer and has already shown incredible eagerness to learn and support our long-term clients and annual reviews. Over the coming years, Gianna hopes to help her grow into a future financial planner.

Welcome to Thomson Wealth, Amanda! ✨

19/11/2025

We’ve been a little quiet on socials lately — and for a very good reason. We’ve been busy welcoming two wonderful people to Thomson Wealth!

First up, we’re excited to introduce Ana, our new Executive Assistant to Gianna Thomson.

Ana brings kindness, calm energy, and genuine care to our team and clients.

She also adds deep industry knowledge in the Military Super schemes — strengthening our expertise in an area many of our Canberra clients rely on.

We’re so thrilled to have her onboard.

Welcome, Ana!✨