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Connect your calendar to receive personalised advice and anticipate your next steps.","questions in progress","Ask my first question","A preview will be available shortly.","question in progress","Ask your first question to an expert and get a personalised answer.",{"next":727,"showing":728,"previous":729},"Next","Showing {current} of {total} questions","Previous","Your Alerts","{count} in total","You can only ask 2 free questions.","🔎 A preview of their answer will be available soon.\nYou can then choose to continue the exchange and get a complete and detailed answer.","Your Guides","Question Closed: Unlock the Answer","Get the answer","Question Paid","question","View My Guide","⏳ Estimated time before preview publication: a few minutes.\n🔐 Your information is treated confidentially.","{name} is currently reviewing your question","questions","View All Alerts","Your Questions","Articles for You","Ask a new question","Postcode not recognised","Question Closed","Read Full Answer","and access unlimited questions in all categories","💡 You will also have the option to clarify certain elements or add a document to refine the answer if necessary.","Consult the Response","Profile Strength",[755,757,759,763,767,771,775,779,783,787],{"categoryName":47,"questionText":756,"landingSeoUrl":48},"I've got this persistent cough that's been hanging around for weeks, Doc. 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When should I be really worried and take them to the emergency room?","pediatricians","You can then choose to continue the exchange and get a complete and detailed answer.","is answering it accurately and carefully.","Loading questions...","Popular Questions","Response Available","Could not close the question. Please try again.","Connect your calendar to receive proactive alerts","Continue the discussion and access unlimited questions","We monitor your Google calendar and alert you before it becomes urgent.","Your question is in good hands.","To be completed on the full guide","Your location could not be updated. Please check the postcode.","is answering it","Could not process your question. Please try again.","Estimated time before preview publication: a few minutes.","Question closed successfully.","Your information is treated confidentially.","You will also have the option to clarify certain elements or add a document to refine the answer if necessary.","Receive personalised follow-up on your guides","Ask a new question, follow your guides, and synchronise your Google and Outlook calendars",{"empty":812,"title":813,"types":814,"loading":102,"markAllRead":823},"No notifications","Notifications",{"status":815,"question_paid":819,"question_reply":820,"matched_article":821,"matched_articles":822},{"closed":816,"answered":817,"partially-answered":818},"Question closed","Your answer is ready","Partial answer available","Payment confirmed","New reply to your question","{count} new article for you","{count} new articles for you","Mark All as Read",{"empty":825,"title":730,"paused":826,"emptyHint":827,"reactivate":828,"categoryFallback":829},"No alerts at this time.","Alerts Paused","Connect your calendar and submit a question to receive personalised suggestions.","Reactivate","Category",{"error":204,"title":831,"minChars":832,"seoTitle":831,"emailSent":833,"minDigits":834,"emailLabel":459,"backToLogin":835,"description":836,"submitButton":837,"updateButton":838,"seoDescription":839,"updatingButton":542,"passwordUpdated":840,"emailPlaceholder":841,"errorDescription":842,"newPasswordLabel":843,"newPasswordTitle":844,"passwordMismatch":845,"submitButtonLoading":542,"confirmPasswordLabel":846,"emailSentDescription":546,"resetErrorDescription":847,"newPasswordPlaceholder":848,"confirmPasswordPlaceholder":849,"passwordUpdatedDescription":850},"Reset Your Password","Password must be at least 8 characters","Email Sent","Password must contain at least 2 digits","Back to Login","Enter your email address","Send Link","Update Password","Enter your new password","Password Updated","your email","Could not send the reset email. 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The expert will respond within minutes, typically in under 10 minutes.","Receive a clear, actionable response tailored to your situation, allowing you to proceed with confidence.","Getting answers to your questions has never been easier",{"title":919,"askQuestion":716},"Meet our Experts",{"retry":921,"terms":922,"title":923,"errors":924,"company":927,"loading":102,"getAnswer":928,"acceptTerms":929,"getUnlimited":441,"securePayment":930},"Retry","Terms and Conditions","Secure Payment of $3.00",{"title":204,"genericError":416,"paymentError":925,"initializationError":926},"An error occurred during payment","Error initialising payment","expert-zoom","Get Answer","I accept the","Secure Payment of {amount}",{"delete":932,"deleteError":933,"deleteCancel":421,"deleteConfirm":932,"deleteDialogTitle":934,"deleteDialogDescription":935},"Delete","The deletion of the guide failed. 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Your previously asked questions in this category will not be affected.",{"title":937,"infoMid":938,"infoTime":939,"subtitle":940,"infoStart":941,"buttonText":942,"expertFallback":943},"Payment Successful","You will receive an email in approximately","5 minutes","Your payment has been confirmed","is currently reviewing your question.","View my question","The expert",{"overline":945,"sectionHeadingFallback":946},"Local Guide","Discover our advice on how to choose your {profession} in {where}",{"press":948,"stats":949,"bullets":953,"headline":957,"fallbackTestimonial":961},"As seen in the press",{"responseTimeSub":950,"responseTimeLabel":951,"responseTimeValue":952},"on average","Response Time","\u003C 10 min",{"privacy":954,"fastResponse":955,"verifiedExperts":956},"Guaranteed confidentiality, secure payment","Response in under 10 minutes in most cases","Manually verified experts",{"fallback":958,"withCategory":959,"withSubcategory":960},"Whether you require medical, legal, technical, or financial advice, we will find the expert who precisely matches your situation.","Whatever your question in {category}, we will find the expert who precisely matches your situation.","Whether your need concerns {subcategory} or more broadly {category}, we will find the expert who precisely matches your situation.","Clear and precise answer in under an hour. The expert in {city} was able to reassure me and guide me exactly to what I needed.",{"title":711,"subtitle":963,"subtitleExpert":964,"titleWithExpert":965},"Submit your question, and we will find the right expert for you!","Submit your question, and the response will be provided to you.","New Question for {name}",{"to":967,"seconds":968,"responseTo":969,"expertReading":970,"estimatedResponseTime":971,"expertSentPartialResponse":972},"to","seconds","Response to","{firstName} {lastName} is reading your question","Estimated response time: between 5 and 10 minutes","{expertName} has sent a partial response to",{"back":540,"title":541,"sending":542,"sendLink":837,"description":974,"notifications":975},"A reset link will be sent to your email address",{"error":204,"emailSent":833,"emailError":976,"loginRequired":977,"emailSentDescription":546},"Could not send reset email. Please try again.","You must be logged in to reset your password.",{"step1":979,"step2":983,"fields":992,"countries":993,"validation":995},{"title":980,"nextButton":981,"description":982},"Complete your information","Next Step","To finalise the connection with an expert, please complete your contact information.",{"title":984,"expertIn":450,"accessInfo":985,"editButton":986,"contactInfo":987,"description":988,"yourDetails":989,"confirmButton":990,"questionDetails":991},"Confirm your information","The specialist will have access to your exchanges with the assistant.","Edit my information","A specialist near your address will contact you as soon as possible.","Please verify the information below before confirming the connection.","Your details","Confirm the connection","Question Details",{"city":575,"phone":587,"country":578,"lastName":589,"firstName":590,"postalCode":580,"countryPlaceholder":581},{"france":577,"morocco":994},"Morocco",{"required":996,"zipInvalid":997,"phoneInvalid":998},"This field is required","Invalid postcode (5 digits)","Invalid phone format",{"terms":1000,"title":1002,"address":1003,"seoTitle":1028,"documents":1029,"expertise":1034,"formTitle":1038,"validation":1039,"companyInfo":1061,"contactInfo":1065,"submitButton":1073,"seoDescription":1028},{"accept":929,"expertZoom":175,"collaboration":1001},"collaboration terms","Interested in becoming an expert on our platform?",{"city":575,"address":576,"country":578,"countries":1004,"postalCode":580,"cityPlaceholder":1025,"addressPlaceholder":1026,"countryPlaceholder":581,"postalCodePlaceholder":1027},{"ad":1005,"at":1006,"au":1007,"be":1008,"br":1009,"ca":1010,"ch":1011,"de":1012,"dk":1013,"fi":1014,"fr":577,"gb":1015,"is":1016,"it":1017,"lu":1018,"mc":1019,"nl":1020,"no":1021,"pt":1022,"se":1023,"uk":1015,"us":1024},"Andorra","Austria","Australia","Belgium","Brazil","Canada","Switzerland","Germany","Denmark","Finland","United Kingdom","Iceland","Italy","Luxembourg","Monaco","Netherlands","Norway","Portugal","Sweden","United States","Enter city","Enter address","Enter postcode","Expert Registration",{"title":1030,"idCard":1031,"diploma":1032,"fileFormats":1033},"Required Documents","Proof of Identity","Diploma \u002F Certificate of Professional Competence","Accepted format: PDF, JPG, PNG",{"title":1035,"categoryHint":1036,"categoryPlaceholder":1037},"Your Expertise","* Select the category that matches your qualifications.","Select a category","Submit an Application",{"authError":1040,"emailExists":1041,"submitError":1042,"uploadError":570,"cityRequired":1043,"emailInvalid":1044,"fileTooLarge":571,"siretInvalid":1045,"emailRequired":200,"phoneRequired":1046,"siretRequired":1047,"termsRequired":1048,"idCardRequired":1049,"addressRequired":1050,"countryRequired":1051,"diplomaRequired":1052,"lastNameRequired":1053,"firstNameRequired":1054,"vatNumberRequired":1055,"categoriesRequired":1056,"postalCodeRequired":1057,"profilePicRequired":1058,"companyNameRequired":1059,"postalCodeUnresolved":1060,"fileFormatUnsupported":572},"Authentication problem, check your details","This email address is already in use","Error during registration","City is required","Invalid email format","ABN must contain 11 digits","Phone number is required","ABN number is required","You must accept the collaboration terms","Proof of identity is required","Address is required","Country is required","Diploma or certificate is required","Last name is required","First name is required","GST number is required","At least one category is required","Postcode is required","Profile picture is required","Company name is required","Postcode not found, please check your entry",{"siret":1062,"vatNumber":585,"siretPlaceholder":1063,"vatNumberPlaceholder":1064},"ABN Number","Enter ABN Number","Enter GST Number",{"email":168,"phone":1066,"title":1067,"lastName":589,"firstName":590,"companyName":1068,"profilePicture":591,"emailPlaceholder":463,"phonePlaceholder":1069,"lastNamePlaceholder":1070,"firstNamePlaceholder":1071,"companyNamePlaceholder":1072},"Phone Number","Contact Information","Company Name","Enter phone number","Enter your last name","Enter your first name","Enter company name","Submit Application",{"loading":102,"getAnswer":736,"orSeparator":1075,"errorOccurred":1076,"pleaseEnterEmail":1077,"continueWithGoogle":1078,"enterEmailPlaceholder":463,"pleaseEnterValidEmail":1079},"or","An error occurred. Please try again.","Please enter your email","Continue with Google","Please enter a valid email",{"more":1081,"hello":1082,"askQuestion":1083,"haveQuestions":1084,"assistantIntro":1085,"askExpertOnline":1086,"expertsOnlineFor":1087,"getImmediateAssistance":1088},"More...","G'day,","Ask your question to {expertName}","Got questions?","I'm {assistantName}, {expertName}'s assistant{gender}, how can I help you?","Ask an expert > {category} online","{Profession} online for your {synonym1}, {synonym2} needs","get immediate and adequate assistance",{"accessMySpace":1090,"calendarConnected":1091,"connectMyCalendar":1092,"startFreeWithGoogle":1093,"startFreeWithGoogleMobile":1094},"Access my space","Calendar connected","Connect my calendar","Get my free action plan","Start my free\u003Cbr>action plan",{"no":1096,"yes":1097,"city":575,"name":191,"phone":587,"title":889,"country":578,"familyLabel":1098,"ageRangeLabel":1099,"childrenLabel":1100,"familyOptions":1101,"ageRangeOptions":1108,"phonePlaceholder":1114,"professionalLabel":1115,"cityPlaceholderZip":580,"cityPlaceholderCity":575,"cityPlaceholderFull":1116,"namePlaceholderFull":1117,"namePlaceholderLast":589,"professionalOptions":1118,"namePlaceholderFirst":590},"No","Yes","Family Situation","Your Age Range","Dependent Children",{"couple":1102,"single":1103,"married":1104,"widowed":1105,"divorced":1106,"partnership":1107},"In a Relationship","Single","Married","Widowed","Divorced","Civil Partnership",{"a":1109,"b":1110,"c":1111,"d":1112,"e":1113},"18-25 years","26-35 years","36-50 years","51-65 years","65+ years","+61 4 ...","Professional Situation","Postcode, City","First Name Last Name",{"other":1119,"owner":1120,"student":1121,"employee":1122,"freelance":1123,"jobSeeker":1124},"Other","Business Owner","Student","Employee","Independent \u002F Freelance","Job Seeker",{"title":1126,"subtitle":1127},"What our Clients are Saying","See what people who trust us have to say",{"comingSoon":1129,"chooseSpecialty":1130},"coming soon","Choose a specialty below for {cityName}.",{"id":1132,"slug":1133,"title":1134,"excerpt":1135,"contentMd":1136,"heroImage":1137,"heroImageAlt":1138,"heroImageCredit":1139,"audioUrl":1140,"audioGeneratedAt":1141,"readingTimeMin":1142,"status":1143,"lang":11,"countryCode":1144,"languageCode":1145,"categoryId":25,"expertId":1146,"metaTitle":1147,"metaDescription":1148,"keyword":1149,"trendingTopic":1150,"trendSource":1151,"seoApiPageId":1152,"seoApiTenantId":1153,"viewCount":1154,"internalLinksCount":1155,"gscVerdict":1156,"gscCoverage":1157,"gscLastCrawl":7,"gscCheckedAt":1158,"gscIndexingState":7,"gscRobotsTxtState":7,"gscPageFetchState":7,"gscGoogleCanonical":7,"gscCrawledAs":7,"cwvLcp":1159,"cwvLcpRating":1160,"cwvFcp":1161,"cwvFcpRating":1162,"cwvCls":1155,"cwvClsRating":1160,"cwvAuditedAt":1163,"publishedAt":1164,"contentModifiedAt":7,"lastReviewedAt":7,"createdAt":1165,"updatedAt":1166,"category":1167,"expert":1168,"_renderedHtml":1177},"cmuunjg5300za13pkvlf4pgwb","nba-2026-lebron-76ers-late-career-financial-planning-australia","NBA Opens 20 October: What LeBron's 76ers Move at 41 Tells Australians About Super Timing","When LeBron James suits up for the Philadelphia 76ers against the New York Knicks at Madison Square Garden on 20 October 2026 — the opening night of the 2026-27 NBA season — he will be 41 years old, e","When LeBron James suits up for the Philadelphia 76ers against the New York Knicks at Madison Square Garden on 20 October 2026 — the opening night of the 2026-27 NBA season — he will be 41 years old, earning more than $50 million for the season, and entering his 24th year as a professional athlete.\n\nThe sports world is asking: how long can he keep going? Financial advisers are asking a different question: when should he stop?\n\nThat question is not unique to LeBron James. Across Australia, hundreds of thousands of workers approaching their late 50s and early 60s face the same calculation — whether to stay in their career \"one more year\" for the additional income and superannuation contributions, or whether the cost of delay outweighs the financial benefit. With the NBA's 2026-27 season arriving as the Australian tax year enters its second quarter, the timing is a useful prompt for a financial conversation many Australians are deferring.\n\n## Why the NBA Season Opening Is a Prompt for Every Australian Approaching 60\n\nThe 2026-27 NBA season opens on 20 October with a tripleheader broadcast on NBC and Peacock: Boston Celtics at Detroit Pistons, the Philadelphia 76ers at the New York Knicks, and the Oklahoma City Thunder at San Antonio Spurs. LeBron James — who signed with Philadelphia during the offseason — headlines the marquee match: his 76ers debut against the defending-champion Knicks will draw a global audience.\n\nThe financial dimension of LeBron's decision to sign with Philadelphia rather than retire is illuminating. His annual salary is north of $50 million. His total career earnings from NBA contracts alone exceed $500 million. And yet, financial analysts have noted for years that many former elite athletes — earning substantially less than LeBron — retire with far smaller net assets than their peak salaries would suggest. The primary cause is poor timing on tax-advantaged retirement drawdown and excessive concentration in illiquid assets like residential property.\n\nAccording to the Australian Taxation Office (ATO), Australians who access their superannuation before turning 60 must pay income tax on most withdrawals at their marginal rate — potentially 37% or higher at median professional salary levels. Those who wait until after 60 can access their super tax-free. That gap — between age 58 and age 60 — can represent tens of thousands of dollars in avoided tax for the average Australian with a mid-tier superannuation balance.\n\nThe decision LeBron is navigating at 41, at a scale most of us will never experience, is structurally the same decision millions of Australians face in their late 50s: how much is \"one more year\" actually worth?\n\n## The Expert Angle — What Elite Contracts Teach About Late-Career Timing\n\nAustralian wealth management advisers frequently identify what they call the \"last salary trap\" — the tendency for high-earning professionals to defer retirement because their current income feels too valuable to leave on the table. LeBron's $50M season is an extreme version; for an Australian professional earning $110,000 in their early 60s, the psychology is identical.\n\nThree structural parallels between elite athlete contracts and everyday superannuation planning are worth understanding before the NBA season begins:\n\n**The superannuation guarantee (SG) rate is now 12%.** From 1 July 2025, every Australian employee receives mandatory employer super contributions of 12% of their ordinary time earnings. For a worker earning $100,000, that is $12,000 per year in additional super — tax-advantaged, with earnings taxed at 15% inside the fund rather than at the marginal rate. For someone approaching the transfer balance cap, each additional year in the workforce has diminishing marginal value.\n\n**Transition-to-retirement (TTR) income streams** allow Australians who have reached their preservation age to begin drawing from their super while still working. For most Australians born after 1 July 1964, that preservation age is 60. The maximum annual drawdown is 10% of the account balance. For a worker with $800,000 in super, this means up to $80,000 per year — tax-free after age 60 — potentially supplementing a reduced work schedule without requiring full retirement.\n\n**The concentration risk problem** affects both elite athletes and working Australians. LeBron's wealth is partially concentrated in his own brand ventures and media investments. Many Australians approaching retirement hold the majority of their net worth in a single residential property. A qualified wealth adviser can model the risk-adjusted case for diversifying that concentration before retirement — an analysis that, for many Australians, is worth more than another year of salary accumulation.\n\nFor further context on how NBA contract structures illuminate Australian financial planning decisions, [this earlier analysis on the Clippers' $162M payroll reset](https:\u002F\u002Fexpert-zoom.com\u002Fau\u002Fnews\u002Fnba-clippers-salary-cap-trades-wealth-2026) explored how team-level trade-offs mirror portfolio rebalancing decisions.\n\n## The One More Year Scenario — What the Maths Actually Says\n\nConsider the situation of David, 58, an experienced logistics manager in Melbourne who has worked for the same company for 21 years. His annual salary is $105,000. His superannuation balance is $790,000, invested in a balanced growth option that has returned an average of 6.8% per annum over the past decade. His employer has offered an early retirement package.\n\nDavid is weighing whether to accept the package now or continue working until 60.\n\n**If David accepts now at age 58:**\n- Super continues to grow for two more years at approximately 6.8%: $790,000 × (1.068²) ≈ **$900,700** by age 60\n- He forgoes two years of SG contributions: 12% × $105,000 × 2 = **$25,200** in employer contributions not received\n- Net projected super balance at 60: approximately **$925,900**\n\n**If David continues until 60:**\n- Two additional years of SG contributions plus ongoing growth bring his estimated balance at 60 to approximately **$945,000**\n\n**The if\u002Fthen logic:**\n\n- If David retires at 58 and begins drawing $78,000 per year from his super immediately (before the tax-free threshold applies at 60), that pension attracts marginal income tax at approximately 32.5%-37%, potentially costing him **$18,000–$22,000 in tax per year** — a two-year tax bill of up to **$44,000**.\n- If David waits until age 60 and draws the same $78,000 annually, it is entirely tax-free under the tax-free superannuation income stream rules.\n- Net difference: waiting two years may save David **$36,000–$44,000 in tax**, plus an additional $20,000 in super growth — a combined benefit approaching **$60,000 for two years of continued employment**.\n\nThat said, if David's early retirement package includes a genuine redundancy payment (partially tax-free under ATO rules), or if his personal health or personal circumstances favour earlier retirement, the mathematics changes. A financial adviser can model David's specific situation — including Centrelink asset test implications, the impact on any partner's income, and expected investment returns in the current rate environment — in a single consultation.\n\n## Three ATO Rules Every Late-Career Australian Should Know Before the Super Withdrawal Conversation\n\nAs the NBA season opens and LeBron James writes the final chapter of one of sport's greatest careers, Australians in their late 50s have an opportunity to pressure-test their own exit strategy against three foundational ATO rules:\n\n**1. Tax-free super starts at 60.** Withdrawals from a taxed superannuation fund after your 60th birthday are generally tax-free, regardless of whether they are taken as a lump sum or as an income stream. Accessing super before 60 typically incurs tax at marginal rates, less a 15% tax offset for the taxed component.\n\n**2. The preservation age is 60 for most Australians** born on or after 1 July 1964. You can begin a transition-to-retirement income stream at preservation age while continuing to work part-time — but the maximum annual drawdown is capped at 10% of your opening annual balance.\n\n**3. The transfer balance cap** limits how much super you can transfer into tax-free pension phase. Indexed annually by the ATO, this cap sits around $1.9 million (verify the current figure at the [ATO's superannuation information page](https:\u002F\u002Fwww.ato.gov.au\u002Findividuals-and-families\u002Fsuper-for-individuals-and-families\u002Fsuper) before making any decisions). Balances above the cap cannot be moved into the tax-free pension phase — meaning entry timing matters significantly for high-balance accounts.\n\nLeBron James has the luxury of choosing when to retire entirely on his own terms, with financial counsel that most people will never access. Australians approaching their preservation age rarely have $50M annual salaries — but they do have a regulated superannuation system specifically designed to reward thoughtful timing decisions. A wealth management expert can help you determine whether \"one more year\" is genuinely the right play for your super balance, or whether the final whistle is already the optimal call.\n\n*Find a qualified wealth management adviser on ExpertZoom to review your superannuation drawdown strategy in a single consultation.*\n\n**General information only.** This article does not constitute financial advice. Superannuation rules and ATO thresholds change annually — always verify current figures directly with the ATO or a licensed financial adviser (AFSL holder).\n","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Fhero\u002F08939e2aabf4-c30fea.webp","LeBron James at the Paris 2024 Olympics, a symbol of elite late-career decisions every Australian professional should understand","{\"author\": \"Cl\\u00e9ment Bardot\", \"source\": \"wikimedia\", \"license\": \"CC BY-SA 4.0\", \"pageUrl\": \"https:\u002F\u002Fcommons.wikimedia.org\u002Fwiki\u002FFile:LeBron_James,_Paris_2024.jpg\", \"attributionHtml\": \"Photo: Cl\\u00e9ment Bardot \u002F Wikimedia (CC BY-SA 4.0)\"}","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Faudio\u002Fnews\u002Fcmuunjg5300za13pkvlf4pgwb-c31065.mp3","2026-10-05T02:50:14.883Z",7,"PUBLISHED","au","en","8d4f59ab-5e44-43a0-8745-f00aa6709066","LeBron's 76ers Move at 41: Super Timing Guide | Expert Zoom","LeBron James joins the 76ers at 41 on 20 Oct. Staying in the game too long costs Australians tens of thousands in super tax. Know when to exit.","nba 2026 lebron 76ers late career financial planning australia","nba","AU","08939e2aabf4","9cc87197-5408-43dc-9de5-d740868a64f4",71,0,"NEUTRAL","URL is unknown to Google","2026-10-05T03:01:35.349Z",2.25,"good",1.8,"needs_improvement","2026-10-19T04:43:47.891Z","2026-10-05T02:50:04.022Z","2026-10-05T02:50:04.023Z","2026-10-20T15:09:27.739Z",{"id":25,"name":26,"slug":27,"parentId":7},{"id":1146,"first_name":1169,"name":1170,"slug":1171,"specialty":1172,"picture":1173,"region":1174},"Chloe","Kennedy","chloe-kennedy","Wealth Advisor","expertPics\u002Fwealth-managers\u002Fwealth-managers-expert-1775234588724.webp",{"code":11,"country":1175},{"code":1151,"name":1176},"Australie","\u003Cp>When LeBron James suits up for the Philadelphia 76ers against the New York Knicks at Madison Square Garden on 20 October 2026 — the opening night of the 2026-27 NBA season — he will be 41 years old, earning more than $50 million for the season, and entering his 24th year as a professional athlete.\u003C\u002Fp>\n\u003Cp>The sports world is asking: how long can he keep going? Financial advisers are asking a different question: when should he stop?\u003C\u002Fp>\n\u003Cp>That question is not unique to LeBron James. Across Australia, hundreds of thousands of workers approaching their late 50s and early 60s face the same calculation — whether to stay in their career "one more year" for the additional income and superannuation contributions, or whether the cost of delay outweighs the financial benefit. With the NBA's 2026-27 season arriving as the Australian tax year enters its second quarter, the timing is a useful prompt for a financial conversation many Australians are deferring.\u003C\u002Fp>\n\u003Ch2 id=\"why-the-nba-season-opening-is-a-prompt-for-every-australian-approaching-60\">Why the NBA Season Opening Is a Prompt for Every Australian Approaching 60\u003C\u002Fh2>\n\u003Cp>The 2026-27 NBA season opens on 20 October with a tripleheader broadcast on NBC and Peacock: Boston Celtics at Detroit Pistons, the Philadelphia 76ers at the New York Knicks, and the Oklahoma City Thunder at San Antonio Spurs. LeBron James — who signed with Philadelphia during the offseason — headlines the marquee match: his 76ers debut against the defending-champion Knicks will draw a global audience.\u003C\u002Fp>\n\u003Cp>The financial dimension of LeBron's decision to sign with Philadelphia rather than retire is illuminating. His annual salary is north of $50 million. His total career earnings from NBA contracts alone exceed $500 million. And yet, financial analysts have noted for years that many former elite athletes — earning substantially less than LeBron — retire with far smaller net assets than their peak salaries would suggest. The primary cause is poor timing on tax-advantaged retirement drawdown and excessive concentration in illiquid assets like residential property.\u003C\u002Fp>\n\u003Cp>According to the Australian Taxation Office (ATO), Australians who access their superannuation before turning 60 must pay income tax on most withdrawals at their marginal rate — potentially 37% or higher at median professional salary levels. Those who wait until after 60 can access their super tax-free. That gap — between age 58 and age 60 — can represent tens of thousands of dollars in avoided tax for the average Australian with a mid-tier superannuation balance.\u003C\u002Fp>\n\u003Cp>The decision LeBron is navigating at 41, at a scale most of us will never experience, is structurally the same decision millions of Australians face in their late 50s: how much is "one more year" actually worth?\u003C\u002Fp>\n\u003Ch2 id=\"the-expert-angle-what-elite-contracts-teach-about-late-career-timing\">The Expert Angle — What Elite Contracts Teach About Late-Career Timing\u003C\u002Fh2>\n\u003Cp>Australian wealth management advisers frequently identify what they call the "last salary trap" — the tendency for high-earning professionals to defer retirement because their current income feels too valuable to leave on the table. LeBron's $50M season is an extreme version; for an Australian professional earning $110,000 in their early 60s, the psychology is identical.\u003C\u002Fp>\n\u003Cp>Three structural parallels between elite athlete contracts and everyday superannuation planning are worth understanding before the NBA season begins:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>The superannuation guarantee (SG) rate is now 12%.\u003C\u002Fstrong> From 1 July 2025, every Australian employee receives mandatory employer super contributions of 12% of their ordinary time earnings. For a worker earning $100,000, that is $12,000 per year in additional super — tax-advantaged, with earnings taxed at 15% inside the fund rather than at the marginal rate. For someone approaching the transfer balance cap, each additional year in the workforce has diminishing marginal value.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Transition-to-retirement (TTR) income streams\u003C\u002Fstrong> allow Australians who have reached their preservation age to begin drawing from their super while still working. For most Australians born after 1 July 1964, that preservation age is 60. The maximum annual drawdown is 10% of the account balance. For a worker with $800,000 in super, this means up to $80,000 per year — tax-free after age 60 — potentially supplementing a reduced work schedule without requiring full retirement.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>The concentration risk problem\u003C\u002Fstrong> affects both elite athletes and working Australians. LeBron's wealth is partially concentrated in his own brand ventures and media investments. Many Australians approaching retirement hold the majority of their net worth in a single residential property. A qualified wealth adviser can model the risk-adjusted case for diversifying that concentration before retirement — an analysis that, for many Australians, is worth more than another year of salary accumulation.\u003C\u002Fp>\n\u003Cp>For further context on how NBA contract structures illuminate Australian financial planning decisions, \u003Ca href=\"https:\u002F\u002Fexpert-zoom.com\u002Fau\u002Fnews\u002Fnba-clippers-salary-cap-trades-wealth-2026\">this earlier analysis on the Clippers' $162M payroll reset\u003C\u002Fa> explored how team-level trade-offs mirror portfolio rebalancing decisions.\u003C\u002Fp>\n\u003Ch2 id=\"the-one-more-year-scenario-what-the-maths-actually-says\">The One More Year Scenario — What the Maths Actually Says\u003C\u002Fh2>\n\u003Cp>Consider the situation of David, 58, an experienced logistics manager in Melbourne who has worked for the same company for 21 years. His annual salary is $105,000. His superannuation balance is $790,000, invested in a balanced growth option that has returned an average of 6.8% per annum over the past decade. His employer has offered an early retirement package.\u003C\u002Fp>\n\u003Cp>David is weighing whether to accept the package now or continue working until 60.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>If David accepts now at age 58:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Super continues to grow for two more years at approximately 6.8%: $790,000 × (1.068²) ≈ \u003Cstrong>$900,700\u003C\u002Fstrong> by age 60\u003C\u002Fli>\n\u003Cli>He forgoes two years of SG contributions: 12% × $105,000 × 2 = \u003Cstrong>$25,200\u003C\u002Fstrong> in employer contributions not received\u003C\u002Fli>\n\u003Cli>Net projected super balance at 60: approximately \u003Cstrong>$925,900\u003C\u002Fstrong>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>If David continues until 60:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Two additional years of SG contributions plus ongoing growth bring his estimated balance at 60 to approximately \u003Cstrong>$945,000\u003C\u002Fstrong>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>The if\u002Fthen logic:\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>If David retires at 58 and begins drawing $78,000 per year from his super immediately (before the tax-free threshold applies at 60), that pension attracts marginal income tax at approximately 32.5%-37%, potentially costing him \u003Cstrong>$18,000–$22,000 in tax per year\u003C\u002Fstrong> — a two-year tax bill of up to \u003Cstrong>$44,000\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003Cli>If David waits until age 60 and draws the same $78,000 annually, it is entirely tax-free under the tax-free superannuation income stream rules.\u003C\u002Fli>\n\u003Cli>Net difference: waiting two years may save David \u003Cstrong>$36,000–$44,000 in tax\u003C\u002Fstrong>, plus an additional $20,000 in super growth — a combined benefit approaching \u003Cstrong>$60,000 for two years of continued employment\u003C\u002Fstrong>.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>That said, if David's early retirement package includes a genuine redundancy payment (partially tax-free under ATO rules), or if his personal health or personal circumstances favour earlier retirement, the mathematics changes. A financial adviser can model David's specific situation — including Centrelink asset test implications, the impact on any partner's income, and expected investment returns in the current rate environment — in a single consultation.\u003C\u002Fp>\n\u003Ch2 id=\"three-ato-rules-every-late-career-australian-should-know-before-the-super-withdrawal-conversation\">Three ATO Rules Every Late-Career Australian Should Know Before the Super Withdrawal Conversation\u003C\u002Fh2>\n\u003Cp>As the NBA season opens and LeBron James writes the final chapter of one of sport's greatest careers, Australians in their late 50s have an opportunity to pressure-test their own exit strategy against three foundational ATO rules:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>1. Tax-free super starts at 60.\u003C\u002Fstrong> Withdrawals from a taxed superannuation fund after your 60th birthday are generally tax-free, regardless of whether they are taken as a lump sum or as an income stream. Accessing super before 60 typically incurs tax at marginal rates, less a 15% tax offset for the taxed component.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>2. The preservation age is 60 for most Australians\u003C\u002Fstrong> born on or after 1 July 1964. You can begin a transition-to-retirement income stream at preservation age while continuing to work part-time — but the maximum annual drawdown is capped at 10% of your opening annual balance.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>3. The transfer balance cap\u003C\u002Fstrong> limits how much super you can transfer into tax-free pension phase. Indexed annually by the ATO, this cap sits around $1.9 million (verify the current figure at the \u003Ca href=\"https:\u002F\u002Fwww.ato.gov.au\u002Findividuals-and-families\u002Fsuper-for-individuals-and-families\u002Fsuper\">ATO's superannuation information page\u003C\u002Fa> before making any decisions). Balances above the cap cannot be moved into the tax-free pension phase — meaning entry timing matters significantly for high-balance accounts.\u003C\u002Fp>\n\u003Cp>LeBron James has the luxury of choosing when to retire entirely on his own terms, with financial counsel that most people will never access. Australians approaching their preservation age rarely have $50M annual salaries — but they do have a regulated superannuation system specifically designed to reward thoughtful timing decisions. A wealth management expert can help you determine whether "one more year" is genuinely the right play for your super balance, or whether the final whistle is already the optimal call.\u003C\u002Fp>\n\u003Cp>\u003Cem>Find a qualified wealth management adviser on ExpertZoom to review your superannuation drawdown strategy in a single consultation.\u003C\u002Fem>\u003C\u002Fp>\n\u003Cp>\u003Cstrong>General information only.\u003C\u002Fstrong> This article does not constitute financial advice. Superannuation rules and ATO thresholds change annually — always verify current figures directly with the ATO or a licensed financial adviser (AFSL holder).\u003C\u002Fp>\n",{},[]]