FirstTech Podcast

Hosted by Craig Day

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Episodes

142

Latest episode

Oct 2026

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About the show

A podcast series for financial advisers looking at the latest technical issues and advice strategies that may impact investors and super fund members. Join Craig Day and members of the Colonial First State ‘FirstTech’ team as they discuss a broad range of advice issues, from superannuation and SMSFs, to social security rules and aged care. -Please note - these podcasts are designed for authorised financial advisers. If you are not an authorised financial adviser it is important you understand the content of the podcasts may be difficult to follow as it assumes you have the necessary training, qualifications and experience to understand the concepts discussed as well as the technical language used. If you still decide to listen please understand the information contained in this recording is general information only and does not take into account any of your personal circumstances, needs or objectives. Any scenarios considered during this podcast are purely hypothetical and are for illustrative purposes only and do not constitute a recommendation to purchase, hold or sell any financial products or take any other course of action. You should read the relevant product disclosure statement before making an investment decision and consider talking to a financial adviser. While all care has been taken in the preparation of this podcast, using sources we believe to be reliable and accurate, no person including Colonial First State Investments Limited or the Commonwealth Bank group of companies, accepts responsibility for any loss suffered by any person arising from reliance on this information. Hosted on Acast. See acast.com/privacy for more information.

Listen to episodes

60 recent

November 7, 202626 min

Question of the month: Pension Payments vs Lump Sum Commutations

Craig Day, Tim Sanderson, Alex Denham and Kim Guest discuss the following adviser questions: My client wants to withdraw an additional amount from their account based pension - what is the best way to take it, as a lump sum or additional pension payment? My client previously withdrew an amount from their pension as a lump sum commutation, but that was a mistake and we now want it to be treated as an additional pension payment, how do we do that? Hosted on Acast. See acast.com/privacy for more information.

November 7, 202618 min

Payday Super Transition: Proposed Relief for Excess Concessional Contributions

This episode looks at the proposed transitional relief for excess concessional contributions arising from the move to Payday Super. We look at how the timing of SG payments during the transition could result in some employees receiving up to 15 months of employer contributions in 2026-27, potentially leading to an unintended breach of their concessional contributions cap. We also explain the Government's proposed relief, including when it may apply and which circumstances may fall outside the relief. Hosted on Acast. See acast.com/privacy for more information.

November 7, 202619 min

Latest News - October 2026

Craig Day, Tim Sanderson, Sina Heng and Kim Guest discuss the latest technical news. ATO rulings and guidance on limited recourse borrowing arrangements and business real property ATO guidance on market valuations relating to the CGT changes commencing 1 July 2027 Recent aged care legislation including changes to when a RAD can be paid when entering residential aged care Hosted on Acast. See acast.com/privacy for more information.

October 7, 20268 min

Question of the month: Who pays SMSF establishment costs?

Craig Day and Tim Sanderson discuss the ATO's guidance on SMSF establishment costs, including when members can pay and be reimbursed, when those costs may be treated as contributions and which establishment expenses can be charged to the SMSF. Hosted on Acast. See acast.com/privacy for more information.

October 7, 202630 min

Tax return tips to help implement financial planning strategies

As we step into the 2026-27 financial year, advisers are actively helping clients plan and implement strategies for the year ahead. However its just as important to look back, as the way clients complete their 2025-26 tax returns can have a direct impact on the success of the financial planning strategies advisers recommended for the 2025-26 year. Several financial planning strategies rely on the correct completion of the individual tax return. If key items are missed or incorrectly reported, the strategy may not work as intended, and in some cases, may even trigger adverse tax consequences. Hosted on Acast. See acast.com/privacy for more information.

October 7, 202630 min

Latest News - September 2026

Craig Day, Linda Bruce, William Truong and Kim Guest discuss the latest technical news: Draft legislation for the 30% minimum tax on discretionary trusts 2026 Intergenerational Report and the implications for retirement and aged care advice How Payday Super is operating three months from commencement Hosted on Acast. See acast.com/privacy for more information.

September 7, 202629 min

Latest News - August 2026

Craig Day, Linda Bruce, Tim Sanderson, Alex Denham and Kim Guest discuss the latest technical news: CGT and negative gearing changes, in situations involving death and relationship breakdown Proposed super reforms in relation to SMSFs Changes to the payment of pension supplement when going overseas Deeming rate from 20 Sept Announcement regarding Commonwealth Home Support Program Hosted on Acast. See acast.com/privacy for more information.

September 7, 202626 min

Protecting SMSFs: Understanding the Proposed Reforms

Peter Burgess, CEO of the SMSF Association talks to Craig Day about the proposed super reforms to strengthen customer protections in relation to SMSFs. Hosted on Acast. See acast.com/privacy for more information.

September 7, 202621 min

Capital gains taxed at minimum 30% rate - impact on personal deductible contribution strategies

From the 2027-28 financial year, significant changes to CGT rules mean that some clients will realise capital gains that are subject to a minimum 30% tax rate. For these clients, the benefit of making a personal deductible super contribution, as well as the optimum contribution amount, may change compared with current strategies. Hosted on Acast. See acast.com/privacy for more information.

August 6, 202618 min

Latest News - July 2026

Craig Day, William Truong, Richard Chen and Kim Guest discuss the latest technical news: Release of Treasury consultation paper on proposed tax changes to discretionary trusts ATO releases guidance on SMSF LRBA ban on residential property Changes to UK pension transfers Hosted on Acast. See acast.com/privacy for more information.