Pre-order Wealth By Design Here

This episode brings together six listener questions that each involve a meaningful financial decision and, in several cases, significant personal uncertainty alongside significant financial capacity.

The first comes from a couple in their late thirties who received a substantial inheritance, now holding $3.6m in cash alongside a share portfolio and three properties. They have developed a dual-trust structure with a corporate beneficiary and are seeking a sense-check on whether the approach is sound and whether property still deserves a place in the plan.

The second involves a newly migrated retiree with no Australian income, substantial overseas cash, and five possible approaches to buying property, each with different stamp duty, CGT, and inheritance implications for her two adult daughters.

The third is a series of practical questions about transition to retirement arrangements, when they make sense, what super balance is needed for a modest 25-year retirement, and the tax implications of transferring an investment property to children.

The fourth comes from a 37-year-old in WA with a fully paid-off home, a first child arriving, and a strong savings rate, asking how to prioritise between investment property, shares, and super contributions from here.

The fifth involves a 35-year-old FIFO worker with $536k in savings and investments, strong borrowing capacity, and genuine uncertainty about whether to buy a Perth home alone, jointly with a partner, or through a leapfrog strategy given where the relationship currently sits.

The sixth is a 45-year-old couple with a $300k inheritance, a nearly paid-off Sydney home, three recently purchased investment properties, and a simple question: is paying off the home loan and topping up super really the best use of the windfall?

My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus

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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.