<?xml version="1.0" encoding="UTF-8"?>
<root>
  <posts>
    <post_id>160</post_id>
    <post_category_id>9</post_category_id>
    <post_title><![CDATA[Federal Budget 2026-27]]></post_title>
    <post_content_short><![CDATA[<strong>Tonight's Budget didn't just change tax rates. </strong>I<strong>t changed the architecture of wealth accumulation in Australia.</strong>

<br /><br />
	Three reforms. One structural shift.Negative gearing quarantined. The 50% CGT discount replaced. A 30% minimum tax on discretionary trusts.

<br /><br />
	<em>Full analysis below — including what changed, what didn't, the key dates you need to know, and what the full Budget Paper reveals that
	the headlines missed.</em>
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/160/2026-Budget.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/tax-and-structuring/federal-budget-2026-27/</post_content_url>
    <post_date>2026-05-13 05:32:00</post_date>
  </posts>
  <posts>
    <post_id>159</post_id>
    <post_category_id>9</post_category_id>
    <post_title><![CDATA[4 Financial Decisions Every Doctor Should Make Before June 30]]></post_title>
    <post_content_short><![CDATA[EOFY is not just about lodging tax returns. For doctors earning through an ABN, company, or mixed income arrangement, June 30 is the point
where tax, super, structure, and deductions all need review. Here are four financial decisions worth getting right before the new financial
year starts.]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/159/20260331-End-of-Financial-Year.png</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/tax-and-structuring/4-financial-decisions-every-doctor-should-make-before-june-30/</post_content_url>
    <post_date>2026-03-31 04:32:00</post_date>
  </posts>
  <posts>
    <post_id>150</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[Helping Your Kids Buy Their First Home Using Super]]></post_title>
    <post_content_short><![CDATA[If you’re looking for ways to give your children a boost in saving for their <strong>first home</strong>, the <strong>First Home Super Saver
	Scheme (FHSSS)</strong>
	is a smart option to consider. It’s a <strong>tax-effective strategy</strong> that allows young people to grow their deposit faster,
	provided they meet the eligibility criteria and have never owned property before.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/150/20250916.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/superannuation-and-smsf/helping-your-kids-buy-their-first-home-using-super/</post_content_url>
    <post_date>2025-09-26 23:30:00</post_date>
  </posts>
  <posts>
    <post_id>139</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[When Should You Cancel Insurance Inside Your Super?]]></post_title>
    <post_content_short><![CDATA[Many Australians hold <strong>life insurance and disability cover inside their superannuation fund</strong>. It’s a simple and
	cost-effective way to get protection, but as retirement approaches, many people start to question whether it’s worth keeping.

<br /><br />
	There’s no universal answer. Whether you should keep or cancel insurance in super depends on your stage of life, financial situation, and
	family needs. Here are the key things to consider before making changes.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/139/20250808.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/superannuation-and-smsf/when-should-you-cancel-insurance-inside-your-super/</post_content_url>
    <post_date>2025-08-07 14:00:00</post_date>
  </posts>
  <posts>
    <post_id>138</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[Stuck in the Middle: How the Sandwich Generation in Australia Can Cope Financially]]></post_title>
    <post_content_short><![CDATA[<em>Feeling stuck in the middle? You're not alone.</em><br />
	Supporting both ageing parents and grown-up kids? Here's how to protect your finances without burning out.<br />
	More Australians are joining the <em>sandwich generation</em> — juggling care for elderly parents while still supporting children, often
	well into adulthood. It’s emotionally draining and financially challenging, especially if you’re trying to keep your retirement plans on
	track.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/138/sandwich.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/financial-planning/stuck-in-the-middle-how-the-sandwich-generation-in-australia-can-cope-financially/</post_content_url>
    <post_date>2025-08-03 14:00:00</post_date>
  </posts>
  <posts>
    <post_id>131</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[Upcoming Age Pension Changes from 1 July 2025]]></post_title>
    <post_content_short><![CDATA[If you're nearing retirement or already receiving the Age Pension, there's good news. Starting <strong>1 July 2025</strong>, the Australian
	Government will increase the <strong>Age Pension means test thresholds</strong> — a change that could make more older Australians eligible
	for a full or part pension and potentially increase current payments.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/131/20250722.jpg</post_icon>
    <post_content_type>none</post_content_type>
    <post_date>2025-07-15 14:00:00</post_date>
  </posts>
  <posts>
    <post_id>106</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[ATO Clarifies Tax Deductibility of Financial Advice Fees]]></post_title>
    <post_content_short><![CDATA[The Australian Taxation Office (ATO) has issued new guidance (TD 2024/7) on the tax deductibility of financial advice fees. While the ATO's
	overall stance remains unchanged, this determination provides greater clarity on the deductibility of both upfront and ongoing fees.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/106/20250211.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/tax-and-structuring/ato-clarifies-tax-deductibility-of-financial-advice-fees/</post_content_url>
    <post_date>2025-02-11 00:50:24</post_date>
  </posts>
  <posts>
    <post_id>86</post_id>
    <post_category_id>12</post_category_id>
    <post_title><![CDATA[SMSFs vs Other Super Funds]]></post_title>
    <post_content_short><![CDATA[All superannuation funds aim to provide retirement benefits, but there are key differences between Self-Managed Super Funds (SMSFs) and
other super funds. It's important to compare it with other options before deciding.]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/86/241012-SMSF-vs-Other-funds.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/superannuation-and-smsf/smsfs-vs-other-super-funds/</post_content_url>
    <post_date>2024-10-11 22:46:00</post_date>
  </posts>
  <posts>
    <post_id>77</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[Debt Recycling: A Popular Financial Strategy]]></post_title>
    <post_content_short><![CDATA["Debt recycling" is currently a popular strategy being promoted by financial advisers and institutions. A quick online search
	reveals it’s being marketed as a way to convert non-deductible home loan interest into deductible investment interest, helping homeowners
	pay off their loans faster while building an investment portfolio or generating additional income. While it may seem appealing, it's
	important to understand the details.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/77/270913.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/financial-planning/debt-recycling-a-popular-financial-strategy/</post_content_url>
    <post_date>2024-09-13 01:13:52</post_date>
  </posts>
  <posts>
    <post_id>74</post_id>
    <post_category_id>14</post_category_id>
    <post_title><![CDATA[The importance of sticking to your financial plan]]></post_title>
    <post_content_short><![CDATA[Don't let fluctuations in the share market derail your superannuation investment strategy.]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/74/240906.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/financial-planning/sticking-to-your-financial-plan/</post_content_url>
    <post_date>2024-09-06 02:31:55</post_date>
  </posts>
  <posts>
    <post_id>70</post_id>
    <post_category_id>12</post_category_id>
    <post_title><![CDATA[Super Contributions Splitting]]></post_title>
    <post_content_short><![CDATA[Splitting superannuation contributions to your spouse can be a great way to boost your combined superannuation balances which can benefit
	you both in retirement.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/70/Spouse-contribution-split.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/superannuation-and-smsf/super-contributions-splitting/</post_content_url>
    <post_date>2024-08-20 06:13:00</post_date>
  </posts>
  <posts>
    <post_id>71</post_id>
    <post_category_id>13</post_category_id>
    <post_title><![CDATA[Breaking up & estate planning]]></post_title>
    <post_content_short><![CDATA[A recent decision by the Full Federal Court around a man’s tragic death by suicide clarified the standing of a de facto spouse in the
	context of a non- lapsing death benefit nomination on a life insurance policy made by the deceased person.
]]></post_content_short>
    <post_icon>https://www.verityadvisory.com.au/media/website_posts/71/Breaking-up.jpg</post_icon>
    <post_content_type>page</post_content_type>
    <post_content_url>https://www.verityadvisory.com.au/insights/estate-planning-and-protection/breaking-up-and-estate-planning/</post_content_url>
    <post_date>2024-08-13 06:32:00</post_date>
  </posts>
</root>
