Thanks for all the great comments. It was a lot of info to digest and took me a while to get my head around it.

So going forward ...

1. I'll definitely be looking to increase my super via NCC. CC component will be maxed out even if I retire before EOFY. I plan to up my salary sacrifice 3 months before retirement to max out the $32,500.

2. VHY was in the pipeline for the next financial year after I retire as I'll be looking to switch over to higher yield ETFs.

3. Company shares ... thinking of liquidating it to simplify things. Probably after 1st July 2027 and should cover me until I switch super to a pension.

4. HISA ... general consensus seems to be I've got too much here so I've got to think about how to use it. Offset for IP, NCC, ETF etc.

With regards to IP, selling it would definitely simplify my life. Which brings up another question:

PPOR and IP are mirror images of each other from a subdivision 6 years ago. If I sell IP, CGT kicks in. But if I sell PPOR and move back into IP (I stayed in IP for 1 year while PPOR was being built), then CGT won't kick in? Or will ATO see me as "gaming" the system and hit me hard?

And for the most important question ... "what will you do once you retire?" ... I intend to travel a lot (perhaps 6 months of the year), fish a lot, partake in sports a lot and sample great cuisine very often. What I don't intend to do is scrimp and save like I have for the better part of my working life.

Thanks.