Leon Jones - Intentional Wealth

Leon Jones - Intentional Wealth Helping Australians retire with confidence. This page provides general information only.
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Leon Jones and Deliberate Wealth Management Pty Ltd ABN 79 635 061 111 t/as Intentional Wealth are Authorised Representatives of Synchron AFS Licence No. 243313. Contents do not take into account your personal objectives, financial situation or needs. You should consider taking financial advice tailored to your personal circumstances. See our Financial Services Guide at www.intentionalwealth.com.au or contact us on 02 4933 2364 for more information on our available services.

11/06/2026

⚠️ Business owners, have you received one of these?

I recently received an official-looking letter requesting $449 to renew one of our companies.

At first glance, it looked legitimate. But a closer look revealed it wasn't from ASIC, and the fine print stated it was an independent third party and "not a bill".

ASIC has previously warned business owners about unsolicited renewal and review notices that can look very similar to official correspondence.

Before paying any company renewal or business registration notice:

✅ Check who sent it
✅ Confirm who your registered agent is
✅ Verify the actual fee payable
✅ Contact your accountant or adviser if you're unsure

I've also seen similar tactics used in the past involving small shareholdings, where investors were offered convenience but at prices below market value.

The takeaway? If something looks official, take a moment to verify it before paying.

Have you received one of these letters, or another misleading payment request? Let me know in the comments below.

General advice only. This information is general in nature and does not take into account your personal objectives, financial situation or needs.

06/06/2026

Welcome to our new followers.

We help Australians get intentional with their money and retire with confidence.

What retirement planning topics would you like to learn more about?

Comment below and let me know.

27/05/2026

Most EOFY super conversations focus on contribution caps and salary sacrifice… but these two often get overlooked.

Before 30 June, it may be worth checking:

✅ Spouse super contribution — if your spouse earns a lower income, contributing to their super could help boost retirement savings and may provide a tax offset of up to $540 (if eligible).

✅ Government super co-contribution — if you earn a lower income and make a personal after-tax contribution to super, the government may contribute 50 cents for every $1 contributed (up to $500) if eligibility criteria are met.

Small actions now can make a meaningful difference over time.

I’ll post links in the comments so you can check the eligibility rules.



General information only. This content does not take into account your objectives, financial situation or needs. Before acting, consider whether it is appropriate for your circumstances and seek professional advice.

14/05/2026

📢 This week’s Federal Budget proposed some major changes to capital gains tax and negative gearing.

While these measures are not yet law, they could influence how Australians build wealth for retirement over the long term.

Some of the key proposed changes include:

• A 30% minimum tax rate on capital gains from 1 July 2027
• Replacing the current 50% CGT discount with an inflation-based method for future gains
• Changes to negative gearing for newly purchased established residential investment properties from 1 July 2027
• Existing investment properties proposed to be grandfathered under current rules

Importantly, the CGT changes are proposed to apply across investments generally — not just property.

One thing that stood out to me?

There were no major changes announced to superannuation.

For Australians planning retirement, it reinforces the importance of structure, tax efficiency, and long-term planning. 📈

General advice warning: This information is general in nature and does not consider your personal objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for your circumstances and seek professional advice.

12/05/2026

Unused super caps?
You may be running out of time.

If your super balance is below $500,000, you may be able to access unused concessional contribution caps from previous financial years before they expire.

This can potentially:
• reduce tax
• boost retirement savings
• create a larger deductible super contribution before 30 June

You can check your available carry-forward concessional contribution amounts through your MyGov account using the ATO online services.

With EOFY approaching, this is one of the key super strategies worth checking.



General information only. Not personal financial advice.

05/05/2026

A lot of people miss this before June 30.

If you’ve got savings available, contributing to super (and claiming a tax deduction) can reduce your taxable income and boost your retirement savings.

Example:

Income: $100,000
Employer super contributions: $12,000
Remaining contribution cap: $18,000

That $18,000 could be contributed and claimed as a deduction - if you are eligible.

Result:

Tax reduction ~ $5,700
Less 15% contributions tax
Net benefit ~ $3,000

Not for everyone — but worth checking before June 30.

Next: unused caps from previous years.

General information only. Not personal advice. Consider your circumstances before acting.

28/04/2026

Same $600k… but a very different outcome if you’re single.

Last video I showed what $600k in super looks like in retirement income for a couple.

This is how it changes if you’re on your own.

Here’s the example:

• $600k in super
• ~$50k pa drawn from super
• ~$4k pa Age Pension
• ~$650 pa interest
• Total income ≈ $55k pa

That’s around the ASFA “comfortable” level for a single person.

But there’s a catch.

This assumes steady withdrawals and typical market conditions.
Extra spending — like a car, home repairs or medical costs — can bring that timeline forward.

It doesn’t leave a lot of wiggle room.



General information only. Not personal financial advice.

It was a beautiful and moving service in Morpeth this morning for ANZAC Day. Lest we forget.
25/04/2026

It was a beautiful and moving service in Morpeth this morning for ANZAC Day. Lest we forget.

Running a small business often means your personal finances come second.And super is usually the first thing to be negle...
23/04/2026

Running a small business often means your personal finances come second.

And super is usually the first thing to be neglected.

But done properly, super can be one of the most effective ways to build long-term wealth — while managing tax along the way.

A few simple strategies to consider:

• Make consistent contributions (not just what’s left over)
• Review how your business structure impacts super
• Use contribution caps effectively
• Keep an eye on fees and investment options

For many business owners, super isn’t just a retirement tool — it’s a planning tool.

The challenge is knowing how it fits alongside cash flow, tax, and your broader strategy.

That’s where a bit of structure makes all the difference.

This is general information only and does not take into account your personal circumstances. Consider whether it is appropriate for you and seek professional advice.

21/04/2026

What does $600,000 in super actually look like in retirement?

Here’s a simple example:

• $600k in super
• ~$42k/year drawn from super
• ~$32k/year Age Pension
• Total income ≈ $74k

That’s close to the ASFA “comfortable” level.

Keep in mind — Age Pension is means tested.
Higher assets or additional income can reduce what you receive.

The key point?

It’s not just the balance — it’s how the income is structured.



General information only. Not personal financial advice.

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