Q&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of Wealth

In this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique perspective on wealth management across different life stages. Jim and his wife are considering whether to upgrade their home now, invest in ETFs, or continue expanding their portfolio through a trust structure. Stuart weighs the options and long-term implications of each. Kayt asks whether a low-fee option like a Vanguard retirement product is a better choice than working with a financial adviser, prompting a discussion on the value (and cost) of advice in retirement.Andrew raises questions about potential changes to the CGT discount and negative gearing rules, asking whether indexation or rising yields could offset these changes. Stuart also reviews Andrew’s calculations around CGT savings when selling assets with no other income. Penny considers moving investment properties out of her SMSF to a family trust to manage exposure to the proposed $3 million super tax and unrealised gains regime. Stuart unpacks the trade-offs, including CGT and stamp duty.Whether you're starting to build wealth or managing a significant portfolio in retirement, this episode delivers clear, grounded insights to help you navigate policy changes and strategic decisions with confidence.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 Do you have a question for the podcast? Email us at [email protected]. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-servicesIf this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected 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.