# FY27 planning: trust changes, Div 296 and what retirees should do next

Page: https://stenobird.com/podcast/australian-retirement-podcast-6957560/fy27-planning-trust-changes-div-296-and-what-retirees-should-do-next
Text version: https://stenobird.com/podcast/australian-retirement-podcast-6957560/fy27-planning-trust-changes-div-296-and-what-retirees-should-do-next.md
Podcast: [Australian Retirement Podcast](https://stenobird.com/podcast/australian-retirement-podcast-6957560)
Published: 2026-07-09T05:00:00+00:00
Episode link: https://www.raskmedia.com.au/podcasts/australian-retirement-podcast/
Audio file: https://traffic.megaphone.fm/RRKKR4213596491.mp3
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JSON: https://stenobird.com/v1/public/podcasts/australian-retirement-podcast-6957560/episodes/fy27-planning-trust-changes-div-296-and-what-retirees-should-do-next
Duration seconds: 2474

## Resource

In this episode of Australian Retirement Podcast, James O'Reilly and Drew Meredith walk through the biggest financial-year changes retirees, pre-retirees and business owners should be thinking about right now. The conversation covers the flood of FY27 planning questions now landing on advisers’ desks, from family trust rules and negative gearing changes to contribution caps, transfer balance caps and the practical reality of Div 296. James and Drew explain what is already changing, what is only proposed, and where people should be planning ahead rather than panicking. They unpack the implications of minimum tax proposals for discretionary trusts, the changing case for property, why payday super matters more than many people realise, and how asset location could become more important for people with larger balances inside and outside super. The episode also answers two practical listener questions: how reversionary pensions work inside an SMSF when Div 296 is in the mix, and whether long service leave is better taken as a lump sum, at full pay or at half pay when retirement is close. If you want a clear, grounded guide to the new financial year and the retirement planning decisions that may matter most over the next 12 months, this episode is a strong place to start. Episode resources – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit EOFY deals to know about - ending June/July 2026 – 1 free trade per month, for 12 months, for new Pearler customers Rask resources – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DI…

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