New Super Tax for $3M+ Balances: What High Net Worth Clients Need to Know

From 1 July 2025, Australians with superannuation balances above $3 million will be subject to a controversial new tax—an additional 15% on unrealised capital gains, calculated annually.

This change could result in six-figure tax bills even if the assets haven’t been sold, creating confusion, concern, and serious financial pressure for thousands of individuals.

Who’s Affected?

Nationally, around 11,000 individuals are expected to be impacted. In South East Queensland alone, over 2,000 professionals, business owners, and retirees are projected to exceed the $3 million threshold.

Many are completely unaware of the change—or of how to legally restructure their affairs to reduce exposure.

Why This Matters

This isn’t just a tax tweak. For some clients, the annual tax liability could range from $50,000 to $200,000 or more—even if their investments haven’t been touched.

There is also potential for double taxation, administrative complexity, and flow-on effects for estate planning and SMSF compliance.

Our “Special Process” Solution

At Gold Coast Financial Advisers, we have access to a compliant, specialist structuring process that allows eligible clients to:

✅ Reframe how their superannuation is treated
✅ Reduce or eliminate exposure to the new 15% tax
✅ Protect intergenerational wealth and manage liquidity risk

This solution requires coordination with a specialist SMSF solicitor, and outcomes will depend on the structure and trust deed of each fund.

It is not a one-size-fits-all strategy—but for those who qualify, the financial impact is significant.

What You Can Do Right Now

If you are a client, or know someone who:

Has a super balance approaching or exceeding $3 million
Owns property, shares, or SMSF-held assets that have grown significantly
Wants to protect their retirement savings from unnecessary taxation

…this is the time to act.

We’re currently reviewing affected cases on a strictly limited basis. This is a premium-level advice process, and places are limited due to legal and structuring requirements.

What’s Next?

We will be providing:

Educational material to help clients understand the issue
A collaborative process with our legal and SMSF partners
️ Personalised strategies to minimise tax and protect capital

Don’t wait until June 2025 to find out you’re exposed. Let’s talk now about your options.

Contact Gold Coast Financial Advisers today to schedule a confidential review.
Based in Helensvale | Serving clients across the Gold Coast and Queensland

GFCA Pty Ltd trading as Gold Coast Financial Advisers. GFCA Pty Ltd is a Corporate Authorised Representative (No 1317284) of Wealth Today Pty Ltd AFSL 340289 (The Licensee).

Please refer to our Financial Services Guide (FSG) and Adviser Profile(s) for full details of services, fees, and commissions.

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Office: 5/64 Siganto Dr, Helensvale QLD 4212 |
Phone: 07 5655 6194 |
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