New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart delves into the long-term future of property investing in Australia and what it means for investors. With a federal election on the horizon in May 2025, housing affordability is set to take centre stage, but will it result in real change? Stuart explains why government reliance on property-related taxes makes meaningful reform unlikely.

He explores the impact of high-density "activity centres" in Melbourne and Sydney, unpacking research that suggests these developments don’t harm local property values — and may even enhance them. He also highlights the broader challenge of increasing housing supply and the role infrastructure plays in shaping property prices.

Looking ahead, Stuart discusses how emerging technologies like robotaxis could reshape commuting and influence the demand for inner-city living. Will distance from the CBD matter if you can work or relax during your commute?

With thoughtful insights and evidence-backed analysis, this episode provides clarity on how key factors like government policy, urban development, and technological advances may affect long-term property prices. Investors will leave with a clearer view of why high-quality, investment-grade properties remain a smart bet for the future. Don’t miss this forward-looking take on property investing in Australia.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

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SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

In this Q&A episode, Stuart addresses a range of thought-provoking investment questions from listeners. He explores the simplicity and effectiveness of using a single diversified ETF, such as VDHG or DHHF, while highlighting the nuances and potential limitations of this strategy for larger portfolios. Stuart also offers tailored advice on whether to upgrade a primary residence or invest in Melbourne property, ultimately favouring the lifestyle and financial benefits of upgrading.

Listeners gain insights into how property value growth is measured, including the impact of capital improvements and why median growth rates may be misleading. He provides valuable guidance on whether self-employed individuals should leverage an SMSF to buy commercial property, advising caution around liquidity risks.

Stuart also tackles timely questions about possible changes to property investment tax laws, including potential adjustments to capital gains tax (CGT) and negative gearing. He explains how these changes could affect property yields and investor decisions.

Packed with actionable insights, this episode empowers listeners to make smarter financial choices. Whether you’re considering ETF investments, planning a property purchase, or contemplating SMSF options, Stuart’s well-rounded advice is sure to provide clarity and direction.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart Wemyss delves into the essential considerations for those planning to retire within the next five years. Drawing on his extensive expertise, Stuart outlines practical strategies to ensure a smooth transition into retirement, focusing on self-funded retirees.

Key topics include resetting loan terms to maximise flexibility, adjusting or cancelling insurance as financial independence grows, and optimising your banking arrangements while still employed. Stuart also explains the tax-saving benefits of timing capital gains events post-retirement and how superannuation strategies, such as recontributions and conservative asset allocations, can safeguard your wealth against market volatility.

For those considering a phased retirement, Stuart highlights the financial and emotional benefits of continuing part-time work, allowing investments to grow while maintaining a sense of purpose.

With actionable insights into cash flow management, superannuation liquidity, and the importance of personalising your approach, this episode is packed with valuable advice for anyone nearing retirement. Whether you’re looking to fine-tune your financial plan or explore new strategies, Stuart’s guidance ensures you’re equipped to make informed decisions for a secure and fulfilling retirement.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

In this case study episode, Stuart Wemyss shares the 15-year wealth-building journey of long-term clients who successfully grew their investment assets from $479k to $3.9 million. Stuart details how this couple, now in their late 50s, strategically upgraded their family home, built a diversified property portfolio, and significantly enhanced their superannuation.

Starting in 2009 with a net worth of under $500k, their disciplined approach to asset selection and cash flow management has yielded impressive results, including outperforming median property price growth by 1–1.2% annually. Key milestones include purchasing five properties across various structures, investing in a low-cost superannuation strategy, and managing high living expenses with a combined family income of $500k.

Stuart highlights the importance of diversification, pointing out the contrasting performance of houses versus apartments in their portfolio, and how deliberate decisions, such as purchasing a property in super, ensured long-term financial security.

This episode provides valuable insights into building wealth with strategic planning and long-term focus, showcasing how Stuart’s evidence-based advice has helped clients navigate challenges while achieving remarkable financial growth. Whether you’re starting your investment journey or refining your strategy, this story is full of actionable lessons to help you succeed.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

Stuart highlights the growing concerns parents face about their children’s ability to enter the property market, offering a balanced strategy that prioritises parental financial security. The foundation of his advice is ensuring your own retirement is fully funded before considering financial support for your children. This prevents potential future dependency on them.

He explains that while parents may wish to help, their support should align with the child’s interest and motivation to buy property. Forcing the decision rarely works, as building wealth requires intrinsic motivation.

Stuart proposes a proactive strategy: parents purchasing an undervalued investment-grade apartment now, which can be sold to their children at a later date, potentially at a discounted rate. Melbourne’s stagnant apartment prices, combined with rising construction costs and low supply, make these properties an attractive investment likely to appreciate significantly over the next decade.

This approach ensures parents have control over their financial commitment while also providing a safety net for their children. If the child decides not to buy, parents can retain the property as an investment. Stuart advises professional guidance to navigate complexities like borrowing and inheritance planning, ensuring fairness if multiple children are involved.

Ultimately, he stresses putting your financial security first.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

In this Q&A episode, Stuart answers diverse listener questions, offering valuable insights into navigating complex financial decisions. Whether you’re considering moving into an investment property, leveraging equity to build a share portfolio, or deciding between two locations for your next property purchase, Stuart provides clear, actionable advice tailored to different life stages and financial goals.

He explores the implications of turning your investment property into your principal residence, unpacking tax considerations and how they impact long-term financial planning. For retirees with geared share portfolios, Stuart weighs the benefits of reducing debt versus maintaining market exposure, especially in a low-tax environment.

First home buyers aren’t left out—Stuart discusses the pros and cons of units with backyard space, their land value, and how they fit into broader investment strategies. He also tackles the age-old debate about property growth potential, addressing whether Australia’s property market can sustain its upward trajectory.

Whether you’re a seasoned investor, first-time buyer, or simply planning for the future, this episode is packed with practical advice to help you make informed decisions. Tune in for Stuart’s expert take on these questions and more!

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart tackles one of the toughest decisions investors face: when to hold onto an underperforming investment and when to cut your losses. While it’s tempting to sell and move on, legendary investor Charlie Munger reminds us, “The big money is not in the buying and the selling, but in the waiting.”

Stuart explores the natural cycles of markets—recovery, expansion, and downturn—and why timing matters. Some investments, like the S&P500 and the Nikkei 225, show that patience often pays off, even after prolonged periods of stagnation. But how do you distinguish between an investment that needs more time and one that’s fundamentally flawed?

He provides practical guidance for reassessing investments, highlighting the importance of revisiting your original decision, understanding opportunity costs, and knowing how to strategically exit when the timing is right. Stuart also shares real-world examples, from property markets to emerging markets, to help listeners make informed decisions.

Whether you’re a seasoned investor or just starting, this episode will equip you with the tools and insights to navigate the complex question of when to hold or sell. Tune in to learn how patience, perspective, and strategy can shape your investment success.

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

In this Q&A episode, Stuart tackles some of the most pressing financial and property questions from listeners. With a focus on practical strategies, Stuart shares insights into managing paid-off investment properties and how leverage can impact long-term returns. He also explores tax-effective investment options, including innovative ways to reduce taxable income through bonus share plans.

For property investors, Stuart addresses concerns around rising land taxes in Victoria versus Queensland and whether investor sentiment aligns with actual holding costs. Additionally, he dives into strategies to hedge against currency fluctuations, particularly for those with significant international stock exposure, and explains how to safeguard wealth as retirement approaches.

Listeners will also gain perspective on broader market dynamics, including how forced savings, like superannuation and endowment funds, influence asset prices. Stuart doesn’t shy away from tough topics, discussing scenarios where investments haven’t performed as expected and the lessons learned from these experiences.

Whether you’re an experienced investor or just starting out, this episode is packed with actionable advice and thoughtful commentary to help you make smarter financial decisions. Tune in for Stuart’s straightforward approach to navigating complex investment landscapes!

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart Wemyss dives into the key strategies for maximising property investment returns by striking the right balance between holding costs and capital growth. Discover why compounding capital growth is the real driver of wealth accumulation and how to avoid common pitfalls of focusing too much on rental income.

Stuart explains the concept of the internal rate of return (IRR) and how it measures the relationship between your investment and return. Using real-world examples, he compares the outcomes of different property types, highlighting why high-growth, low-yield properties often outperform others in long-term wealth creation.

You’ll learn a practical two-step approach to maximise your IRR: first, by selecting a property with strong capital growth potential, and second, by taking steps to reduce holding costs. Stuart also shares a personal case study where simple cosmetic upgrades significantly boosted a property’s value, rental income, and IRR.

If you’re serious about building wealth through property, this episode is packed with actionable insights to help you choose the right asset, optimise returns, and accelerate your financial independence. Tune in to learn how to make smarter property investment decisions!

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.

In this week’s Q&A episode, Stuart dives into a range of compelling questions that challenge conventional wisdom on property investment, superannuation strategies, and emerging investment opportunities. Whether you’re curious about optimising your borrowing capacity, choosing the right ownership structure for property investments, or understanding the nuances of splitting super contributions, this episode delivers actionable insights tailored to today’s financial landscape.

Stuart also addresses thought-provoking topics like the relationship between property values and rental growth, the pros and cons of trust structures, and the implications of new access rules for Dimensional Funds. Plus, he shares his perspective on cryptocurrency as an asset class, offering a framework for evaluating new investment opportunities in an evolving market.

With real-world examples, detailed explanations, and Stuart’s trademark clarity, this episode is packed with practical advice for anyone looking to grow their wealth, minimise tax, and make informed financial decisions. Whether you’re an experienced investor or just starting to build your financial knowledge, there’s something here for everyone. Tune in to gain insights that could shape your financial future!

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DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/

Do you have questions? Email [email protected]

If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)

Click here to subscribe to Stuart's weekly email.

SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.

Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.

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.