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1200x628px</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Social%20Sharing/email-color.png</image:loc><image:caption>email-color</image:caption><image:title>email-color</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Blog%20Header/Excess%20concessional%20contributions%20when%20the%20non-concessional%20contributions%20cap%20is%20$nil%20-%20Blog%20image.webp</image:loc><image:caption>Excess concessional contributions when the non-concessional contributions cap is $nil - Blog image</image:caption><image:title>Excess concessional contributions when the non-concessional contributions cap is $nil - Blog 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image</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Social%20Sharing/linkedin-color.png</image:loc><image:caption>linkedin-color</image:caption><image:title>linkedin-color</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/10.%20Website%20Pages/Staff/MegHeffron_LR.webp</image:loc><image:caption>MegHeffron_LR</image:caption><image:title>MegHeffron_LR</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Social%20Sharing/twitter-color.png</image:loc><image:caption>twitter-color</image:caption><image:title>twitter-color</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Megs%20Musings/megsmusingblog-May-20-2022-04-56-27-93-AM.jpeg</image:loc><image:caption>megsmusingblog-May-20-2022-04-56-27-93-AM</image:caption><image:title>megsmusingblog-May-20-2022-04-56-27-93-AM</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Blog%20Header/Where%20are%20the%20risks%20in%20our%20major%20super%20sectors%20v2%20-%20Blog%20Images%201200x628px%20(32).webp</image:loc><image:caption>Where are the risks in our major super sectors v2 - Blog Images 1200x628px (32)</image:caption><image:title>Where are the risks in our major super sectors v2 - Blog Images 1200x628px (32)</image:title></image:image><lastmod>2026-02-26</lastmod></url><url><loc>https://www.heffron.com.au/services/administration/administration-for-trustees</loc><image:image><image:loc>https://www.heffron.com.au/hubfs/10.%20Website%20Pages/Icons/tick%20(1).png</image:loc><image:caption>tick (1)</image:caption><image:title>tick (1)</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/1.%20Main%20images/%E2%80%A2%20Generic%20site%20images/Blue%20background%20main.jpg</image:loc><image:caption>Blue background main</image:caption><image:title>Blue background main</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/4.%20Brand%20Elements/header-logo-350px.webp</image:loc><image:caption>header-logo-350px</image:caption><image:title>header-logo-350px</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Images/footer-bg.jpg</image:loc><image:caption>footer-bg</image:caption><image:title>footer-bg</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/10.%20Website%20Pages/Icons/cross.png</image:loc><image:caption>cross</image:caption><image:title>cross</image:title></image:image><lastmod>2026-05-27</lastmod></url><url><loc>https://www.heffron.com.au/education-and-support/professionals/courses/overview</loc><video:video><video:thumbnail_loc>https://www.heffron.com.au/hubfs/Heffron%20Courses%20Animation%2004-26%20sm.mp4/medium.jpg</video:thumbnail_loc><video:title>Heffron Courses Animation 04-26 sm</video:title><video:description>Are you ready to enhance your expertise in superannuation and SMSFs? 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Discover how Heffron Education Courses can be your stepping stone to becoming a proficient professional in the superannuation landscape. Don't miss out on the opportunity to enhance your skills and make a significant impact in your field.</video:description><video:content_loc>https://www.heffron.com.au/hubfs/Heffron%20Courses%20Animation%2004-26%20sm.mp4</video:content_loc><video:duration>81</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live><video:tag>AccreditedCourses</video:tag><video:tag>HeffronCourses</video:tag><video:tag>SuperannuationEducation</video:tag><video:tag>SMSFCourse</video:tag><video:tag>FlexibleLearning</video:tag><video:tag>SMSFSpecialization</video:tag></video:video><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Images/footer-bg.jpg</image:loc><image:caption>footer-bg</image:caption><image:title>footer-bg</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/4.%20Brand%20Elements/header-logo-350px.webp</image:loc><image:caption>header-logo-350px</image:caption><image:title>header-logo-350px</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/2.%20Education%20and%20Training/Courses/Heffron-Course-Solutions-2026-04.gif</image:loc><image:caption>Heffron-Course-Solutions-2026-04</image:caption><image:title>Heffron-Course-Solutions-2026-04</image:title></image:image><lastmod>2026-05-25</lastmod></url><url><loc>https://www.heffron.com.au/news/can-smsfs-lend-money</loc><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Blog%20Header/How%20would%20the%20capital%20gains%20tax%20changes%20impact%20Division%20296%20tax%20decisions%20-%20Blog%20Images%201200x628px%20(7).webp</image:loc><image:caption>How 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(7)</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Social%20Sharing/email-color.png</image:loc><image:caption>email-color</image:caption><image:title>email-color</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Images/footer-bg.jpg</image:loc><image:caption>footer-bg</image:caption><image:title>footer-bg</image:title></image:image><lastmod>2026-02-26</lastmod></url><url><loc>https://www.heffron.com.au/news/megs-musings-june-2023</loc><image:image><image:loc>https://www.heffron.com.au/hubfs/9.%20Social%20Media/Archive/Megs%20Musings.jpg</image:loc><image:caption>Megs Musings</image:caption><image:title>Megs 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Title</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Megs%20Musings/megsmusingblog-May-20-2022-04-56-02-37-AM.jpeg</image:loc><image:caption>megsmusingblog-May-20-2022-04-56-02-37-AM</image:caption><image:title>megsmusingblog-May-20-2022-04-56-02-37-AM</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Social%20Sharing/twitter-color.png</image:loc><image:caption>twitter-color</image:caption><image:title>twitter-color</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Blog%20Header/LRBA%20Ban%20%20What%20does%20the%20proposed%20change%20mean%20for%20SMSFs%20Blog%20Images%201200x628px%20(1).webp</image:loc><image:caption>LRBA Ban  What does the proposed change mean for SMSFs Blog Images 1200x628px (1)</image:caption><image:title>LRBA Ban  What does the proposed change mean for SMSFs Blog Images 1200x628px 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Heffron Mini Courses break down complex concepts into bite-sized, practical learning experiences tailored for professionals in the SMSF industry.

In this promotional video, we explore how Heffron Mini Courses can empower you to enhance your skills and confidence in superannuation. Our trusted experts utilise real-life client scenarios to ensure each course is not only informative but immediately applicable to your practice. 

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Start your learning today and transform your understanding of superannuation into actionable expertise.</video:description><video:content_loc>https://www.heffron.com.au/hubfs/Heffron%20Mini%20Courses%20Animation%2004-26%20sm.mp4</video:content_loc><video:duration>68</video:duration><video:requires_subscription>no</video:requires_subscription><video:live>no</video:live></video:video><image:image><image:loc>https://www.heffron.com.au/hubfs/2.%20Education%20and%20Training/Courses/Heffron-Education-Bites-Banner-2000x600px.png</image:loc><image:caption>Heffron-Education-Bites-Banner-2000x600px</image:caption><image:title>Heffron-Education-Bites-Banner-2000x600px</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/ARCHIVED/Heffron_April_2022/Images/footer-bg.jpg</image:loc><image:caption>footer-bg</image:caption><image:title>footer-bg</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/10.%20Website%20Pages/Icons/tick%20(1).png</image:loc><image:caption>tick (1)</image:caption><image:title>tick (1)</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/2.%20Education%20and%20Training/Courses/Heffron-Education-Bites-Solution-12-24.png</image:loc><image:caption>Heffron-Education-Bites-Solution-12-24</image:caption><image:title>Heffron-Education-Bites-Solution-12-24</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/4.%20Brand%20Elements/header-logo-350px.webp</image:loc><image:caption>header-logo-350px</image:caption><image:title>header-logo-350px</image:title></image:image><lastmod>2026-05-28</lastmod></url><url><loc>https://www.heffron.com.au/news/retirement-in-a-covid-19-world-part-2</loc><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Blog%20Header/Final%20Division%20296%20regulations%20%20key%20problems%20remaining%20for%20SMSFs%20-%20Blog%20Images%201200x628px.webp</image:loc><image:caption>Final Division 296 regulations  key problems remaining for SMSFs - Blog Images 1200x628px</image:caption><image:title>Final Division 296 regulations  key problems remaining for SMSFs - Blog Images 1200x628px</image:title></image:image><image:image><image:loc>https://www.heffron.com.au/hubfs/3.%20Blog%20images/Blog%20Header/How%20would%20the%20capital%20gains%20tax%20changes%20impact%20Division%20296%20tax%20decisions%20-%20Blog%20Images%201200x628px%20(7).webp</image:loc><image:caption>How would the capital gains tax changes impact Division 296 tax decisions - Blog Images 1200x628px (7)</image:caption><image:title>How would the capital gains tax changes impact Division 296 tax decisions - Blog Images 1200x628px 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