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Most Australians assume their superannuation will pass to their children tax‑free. The reality is very different. The super death tax can strip up to 32% of your super balance if it goes to adult, financially independent children, meaning hundreds of thousands of dollars lost to the ATO.

In this episode, Troy breaks down:

◼️ What the super death tax is and who it affects

◼️ How much your kids could lose if you don’t plan ahead

◼️ The strategies professionals use to legally minimise or avoid this tax

◼️ Why SMSFs give you more control over estate planning and death benefit nominations

Timestamps:

00:00:00 Introduction

00:01:03 - Understanding the Super Death Tax

00:02:29 - Withdrawal and Re-contribution Strategy

00:03:21 - Withdrawing Super Before Passing

00:04:03 - Importance of Binding Death Nominations

00:04:55 - Control and Flexibility with SMSFs

00:05:16 - Planning to Minimize Super Death Tax

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.