January 2026 Updates

DOCUMENT UPDATES

13/01/2026 Removed the wordings "Anyone who is not a lineal descendant or bloodline." from the beneficiary exclusion clause for the following documents:
- Crypto Discretionary Trust Deed
- Discretionary Trust - (individual & corporate)
- Discretionary Trust - (non foreign persons)
- Upgrade of Discretionary Trust to a LightYear Docs Strategic Discretionary Trust
- Upgrade of Discretionary Trust to a Non-Foreign Person Discretionary Trust
13/01/2026 Replaced the wordings "Anyone who is not a lineal descendant or bloodline." into "Anyone who is not a lineal descendant or Bloodline of the Family Protection Appointor, unless included in clause 3.1" from the beneficiary exclusion clause for the following documents:
- Family Protection Trust - (individual & corporate)
- Family Protection Trust - (non-foreign persons)
- Leading Member Discretionary Trust - (individual & corporate)
- Leading Member Discretionary Trust – (non-foreign persons)
- Upgrade of Discretionary Trust to a Family Protection Trust
- Upgrade of Discretionary Trust to a Family Protection Trust (Non-Foreign Person)
- Upgrade of Discretionary Trust to Leading Member DT
- Upgrade of Discretionary Trust to LM Non-Foreign Person DT
- Upgrade of Existing Leading Member Discretionary Trust
13/01/2026 Upgrade of Discretionary Trust to a Family Protection Trust - Under the clause of 5.2 (b) Distribution of Capital. Replaced the wordings "(of clause 15.2) and of (clause 15.2(d))" into "(of clause 17.2) and of (clause 17.2(d))".
28/01/2026 Fixed the caption for adding EPOA for spouse from "Would you like to make an EPOA Spouse’s" into "an EPOA for the Spouse" for the following documents:
- Enduring Power of Attorney
- The LYD Will and EPOA
- The Moat and Castle
- Leading Member SMSF Establishment with EPOA
28/01/2026 Fixed the caption for Attorney refusal option under Other Information (EPOA) tab from "The Attorney may refused" into "The Attorney may refuse" for the following documents:
- Enduring Power of Attorney
- The LYD Will and EPOA
- The Moat and Castle
- Leading Member SMSF Establishment with EPOA
28/01/2026 Declaration of Trust/Declaration of Bare Trust - Fixed interview caption from "Deed of Date" into "Date of Deed".
29/01/2026 LYD Standard Company - Added backend code for checking the clients share allocation if fully paid or not and connected with ASIC integration.
29/01/20206 Applied font change from Calibri into Arial for the following documents:
- Change of Trustee for SMSF
- Contributions Suspense Account
- Contributions To Benefit a Member
- Deed of Vesting (SMSF)
- Dependancy Declaration for Superannuation and Income Tax Purposes
- Family Law Splitting Notice
- Leading Member SMSF Deed of Variation
- Leading Member SMSF Establishment
- Leading Member SMSF Establishment with EPOA
- Leading Member SMSF to Leading Member SMSF Variation
- Member Appointment - Leading Member SMSF
- Member Appointment - Standard SMSF
- Member Directed Investment Strategy
- Member Leaving A SMSF
- Notification of Death of Member
- QROPs SMSF Deed of Variation
- QROPs SMSF Establishment
- Retirement of Member
- SMSF Deed of Variation
- SMSF Establishment
- SMSF Investment Strategy - Fund
- Superannuation Lump Sum Payments
- Division 7A Loan Agreement
- Div7A Umbrella Loan Agreement
29/01/2026 Attached New Document Letter of Advice of Execution for the following documents:
- Change of Trustee for SMSF
- Contributions Suspense Account
- Contributions To Benefit a Member
- Deed of Vesting (SMSF)
- Dependancy Declaration for Superannuation and Income Tax Purposes
- Family Law Splitting Notice
- Leading Member SMSF Deed of Variation
- Leading Member SMSF Establishment
- Leading Member SMSF Establishment with EPOA
- Leading Member SMSF to Leading Member SMSF Variation
- Member Appointment - Leading Member SMSF
- Member Appointment - Standard SMSF
- Member Directed Investment Strategy
- Member Leaving A SMSF
- Notification of Death of Member
- QROPs SMSF Deed of Variation
- QROPs SMSF Establishment
- Retirement of Member
- SMSF Deed of Variation
- SMSF Establishment
- SMSF Investment Strategy - Fund
- Superannuation Lump Sum Payments
- Division 7A Loan Agreement
- Div7A Umbrella Loan Agreement
29/01/2026 Replaced clause 1.1(f) into "If any provision of this Deed is inconsistent with the Superannuation Industry (Supervision) Act 1993, the Superannuation Industry (Supervision) Regulations 1994, or any other law applying to regulated superannuation funds, those laws prevail to the extent of the inconsistency" for the following documents:
- Leading Member SMSF Deed of Variation
- Leading Member SMSF Establishment
- Leading Member SMSF Establishment with EPOA
- Leading Member SMSF to Leading Member SMSF Variation
- QROPs SMSF Deed of Variation
- QROPs SMSF Establishment
- SMSF Deed of Variation
- SMSF Establishment

30/01/2026 Updated caption of Division 7A Loan Interest Rate "The commencement interest rate for the 2018-2019 income year it is 5.20%, for the 2019-2020 income year it is 5.37%, for the 2020-2021 income year it is 4.52%, for the 2021-2022 income year it is 4.52%, for the 2022-2023 income year it is 4.77%, for the 2023-2024 income year it is 8.27%, for the 2024-2025 income year it is 8.77% and for the 2025-2026 income year it is 8.37%" for the following documents:
- Division 7A Loan Agreement
- Div7A Umbrella Loan Agreement

30/01/2026 Updated the wordings of interest rate across the template. Added "for the 2025-2026 income year it is 8.37%" for the following documents:
- Division 7A Loan Agreement
- Div7A Umbrella Loan Agreement
30/01/2026 Fixed the interest rate of "2019-2020" form "5.20%" into "5.37%" for the following documents:
- Division 7A Loan Agreement
- Div7A Umbrella Loan Agreement