Q: I’m retired and turning 67 this financial year in February 2023. Could you please clarify if in the financial year of my 67th birthday, I can make a tax-deductible concessional contribution before my birthday without needing to satisfy a work test?

And, if so, after the contribution, would a notice of intent to claim a tax deduction need to be processed by the super fund before my birthdate? I’ve been told by my super fund that a work test is a requirement for concessional contributions made throughout the whole financial year – even the period from July 1 till February 2023, when I am still 66. They seemed a bit unsure, though. I’ve heard conflicting views on this, and I am sure it is an issue that will affect many turning 67. Brian.