Insights
Financial planning insights
Plain-English explainers on super, retirement, insurance and wealth, with links to the official sources. General information only. Each article is reviewed by MGB Financial Services.
What are Vermilion Insights?
Vermilion Insights are short, general articles about superannuation, retirement, SMSFs, personal insurance, estate planning and wealth in Australia. Figures are taken from the ATO, ASIC Moneysmart, APRA and the ABS, and each source is linked and dated. Articles are reviewed by MGB Financial Services Pty Ltd. They are not personal advice.
Everyday Australians ·
Concessional contributions cap 2026–27: what changed on 1 July 2026
The before-tax super contributions cap rose to $32,500 from 1 July 2026. What counts towards it, how carry-forward works, and where the ATO publishes it.
1 min read
Private Clients (HNW/UHNW) ·
Division 293 tax explained for high-income earners
Division 293 adds 15% tax on some super contributions when income and contributions exceed $250,000. How the ATO works it out, with a worked example.
1 min read
Everyday Australians ·
How does estate planning work in NSW? Common issues and where financial advice fits
A general guide to estate planning issues in NSW, such as wills, super death benefits and powers of attorney, and where financial advice fits.
2 min read
Private Clients (HNW/UHNW) ·
Wealth succession planning: a general guide for Australian families
A general guide to wealth succession planning in Australia: wills, super death benefits, family trusts and businesses, and where financial advice fits.
2 min read
Accountants and Professional Partners ·
Referring a client for financial advice: what accountants commonly look at
What accountants and professional partners commonly look at when a client is referred for financial advice: the licence, the FSG and the ASIC register.
1 min read
General advice warning
This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.