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In this episode, Stuart takes a critical look at property planning services, which promise to help you build a portfolio by mapping out your borrowing capacity, cash flow, and investment strategy—for a price tag of $4,000 to $5,000.

He explains why these plans might work if you’re committed to only ever investing in property. But if you want holistic advice that considers shares, super, tax, insurance, and retirement planning, property plans often fall short.

Stuart outlines key limitations—like the lack of licensing, regulatory oversight, and inability to provide comprehensive tax or credit advice. He also questions whether these plans are truly tailored strategies or just templated sales tools aimed at generating buyers’ agent fees.

That said, property plans can offer value in mapping geographic diversification and tenant profiles, especially for investors pursuing multi-property portfolios. But quality always trumps quantity—one $1.5M investment-grade property will likely outperform four $500K average ones.

So, are property plans worth it? Stuart says: maybe—but only in narrow cases. For most people, you’re likely better off working with a financial adviser, accountant, and mortgage broker who can give broader, tailored, and regulated advice.

Tune in for an honest, experience-backed breakdown of this increasingly common offering.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.