Investor Motivation

How Will the Family Trust Tax Changes Affect Small Business Owners in Australia?

Could the proposed family trust tax changes affect the way your business income is taxed? In this episode, Rob Goudie is joined by guest speaker Dallas Landwehr from BCH Accountants to discuss what the proposed family trust tax changes may mean for Australian small business owners, tradies, farmers and families using trust structures. They cover income distributions, potential tax impacts from 1 July 2028, rollover relief, business restructuring options, estate planning considerations and why there is no need to panic just yet.

Strategies for Debt Reduction and Enjoying Your 60s

Feeling like debt is getting in the way of the retirement lifestyle you’ve worked hard for? Your 60s should be about more freedom, better choices and peace of mind, not constant stress over credit cards, personal loans, bills or repayments. We look at practical strategies that may help Australians reduce debt while still enjoying life in their 60s. We’ll talk through realistic ways to review what you owe, prioritise repayments, avoid risky quick fixes, make room for the things that matter, and know when it may be time to ask for support. Whether you’re approaching retirement, already retired, or simply wanting to feel more in control of your money, this discussion is designed to help you think more clearly about debt, lifestyle and financial wellbeing in this stage of life. #DebtReduction #RetirementPlanningAustralia #MoneyInYour60s #AustralianFinance #FinancialWellbeing

How Much Can You Have and Still Get the Age Pension?

Could a falling share market actually increase your retirement income? Many Australians assume that once their assets rise above the Centrelink limits, the Age Pension is off the table forever. But recent market volatility has created new opportunities for some retirees to qualify for valuable pension payments, concession cards, and thousands of dollars in annual benefits. In this episode, Rob Goudie and Ashley Rowan explain how the Age Pension asset test works, the latest Centrelink thresholds, and the strategies that could help you unlock additional retirement income.

Negative Equity Nightmare: How This Couple Lost $150k on a New Build Property

Can property investing go wrong? In this episode, Rob Goudie and Ashley Rowan discuss a real-life Australian property case study involving a couple who found themselves facing significant negative equity shortly after purchasing a newly built investment property. The conversation explores: ✔️ What negative equity means and why it matters ✔️ The risks associated with off-the-plan and newly built investment properties ✔️ Property marketing fees and sales commissions ✔️ The role of borrowing, leverage and debt in property investing ✔️ Self-managed super funds (SMSFs) and property investments ✔️ Alternative wealth-building strategies, including shares and businesses ✔️ The importance of understanding risk before making investment decisions Whether you're considering your first investment property or reviewing your long-term financial strategy, this episode provides valuable insights into the importance of due diligence and informed decision-making.   Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401

Case Study: Reducing Death Benefits Tax with a Superannuation Recontribution Strategy

Rob Goudie and Ash Rowan discuss a crucial strategy for retirees looking to minimize potential death benefit taxes on their superannuation. Ash shares a real-life case study of a retired couple with a $1.3 million superannuation balance that is fully taxable. They explore the complexities of taxable vs. tax-free components within superannuation and how changes to CGT and negative gearing can impact estate planning. The discussion delves into a "recontribution strategy," a method of withdrawing funds from superannuation and recontributing them as non-concessional contributions. This process aims to increase the tax-free component of the superannuation balance, thereby reducing the tax liability for beneficiaries.  Don't miss this valuable discussion on proactive superannuation and estate planning to protect your assets for the future.   Robert Goudie, CFP, (ASIC Reg 235974) and Ashley Rowan, FChFP GradDipFP, (ASIC Reg 433899), are authorised representatives of Consortium Private Wealth Pty Ltd | ABN 74 616 250 965 AFS Licence 495401