Div 296 doesn’t need panic — it needs structure

At the SMSF Association Conference last week, one of the biggest topics advisers raised was Div 296 and how it will affect long-term client strategies.

Div 296 + estate planning + tax minimisation — one structure

The mistake many people make is treating Div 296 as a pure tax problem.

In reality, the right approach blends:

• tax minimisation
• estate planning
• and long-term family wealth protection

Video: https://www.youtube.com/shorts/YR91smWBdbc

Using a properly structured Family Protection Trust and, where appropriate, a company, advisers can reduce tax outcomes compared to personal marginal rates and still build intergenerational wealth.

This is exactly what our advisers and members learn day-by-day across our Lightyear education platforms.