Sell These 5 Things Before You Retire or the ATO Will Tax Everything
Five financial positions the ATO will tax heavily in retirement — and every one of them becomes harder to fix after your last day of work. Some become impossible. In this video: the investment property with embedded gains that the 2027 CGT reform is about to make much more expensive to hold, the managed funds bleeding you in annual tax you never chose to pay, the super balance that Division 296 just made a liability, the taxable component inside your super that the ATO takes 17% of when your adult children inherit it, and the family home exemption most people assume they have completely — and don't. Steve Caldicott spent nearly forty years as an accountant working across thousands of ATO matters involving individuals, families, and retirees. He retired from practice in 2022. This channel exists to explain how the rules actually work — in plain English, with real numbers. This video is general information based on Steve's experience in private practice. It is not personal tax or financial advice. CGT reform announced in the 2026–27 Federal Budget is proposed policy and not yet law. For advice specific to your situation, speak with a registered tax agent, a licensed financial adviser, or contact the free Financial Information Service through Services Australia for Age Pension and Centrelink matters. If you're within five years of retirement, this one is worth your time.
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