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Other circumstances

Tax, superannuation, wills and estates

Find the right professional and official routes before making lasting financial or legal changes.

Use current advice for tax questions

Ask the Australian Taxation Office or a registered tax agent about the tax consequences of your actual arrangements. Income estimates used for family assistance are not a complete tax assessment. Keep relevant documents safely and ask which records you need.

Detailed tax concessions, deductions and transfer rules are outside this guide. It provides a referral route rather than claiming that all ATO rules have been checked for your situation.

Separate superannuation splitting from early access

Superannuation can be part of a property settlement. Splitting an interest does not usually make the money available to spend immediately. Separation itself is not a general reason to withdraw superannuation early.

Get legal and tax advice before agreeing to property transfers, superannuation arrangements or releasing rights. Ask about fees, restrictions and deadlines. Moneysmart explains separation finances and the separate early-access routes.

Review future decision-making arrangements

Ask a lawyer about wills, enduring powers, guardianship documents and estate administration under the relevant jurisdiction. Superannuation beneficiary nominations and insurance arrangements need their own review; they are not all controlled by a will.

Avoid assuming that separation automatically changes every document or beneficiary. Bereavement can involve probate, insurance, superannuation and guardianship questions, each with different decision-makers. Your state page provides legal-help routes.

Your next step

Use the official links above, or find local services in your state.

Sources for this guide

Related guides

Wording reviewed 5 October 2026. Numerical rules have separate verification dates on Sources and updates.