Officials are being told to take a clear look at the financial impact of our ageing population

Outgoing Treasury boss Dr Caralee McLiesh has made it clear there's a need for a Capital Gains Tax and superannuation changes, as her five-year term comes to an end.

She says with an ageing population, an increasing share of government transfers are going to the wealthy.

Independent tax advisor Geof Nightingale agrees more of the population will be taking the national super and needing more healthcare.

He says the projections for those two expenditures are frightening over the next 30 years.