Superannuation is a great way to save for retirement, but sometimes you might contribute more than the annual concessional (before-tax) cap. The cap is currently $30,000 and includes employer contributions and salary sacrifice.  When you submit your tax return, If an excess occurs,  the Australian Taxation Office (ATO) will send you a letter called an “excess concessional contributions determination.” This letter gives you two choices for handling the excess amount: Your Two

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When it comes to preparing your estate plan, most of you are aware to seek the advice of a legal specialist (those of you who think a...