Financial Planning

There is a number most high-income Australians have never seen, and it quietly shapes the quality of advice they can get. Australia had around 28,900 financial advisers at the end of 2018. By March 2026 that figure had fallen to roughly 15,135, a decline of about 48% in under eight years. Nearly half the profession […]

The 2026-27 Federal Budget changed the rules on property investment in a way that lands squarely on high-income earners, because they are the people most likely to hold negatively geared property and most exposed to the capital gains tax discount being wound back. The changes were announced on budget night, 12 May 2026, and are […]

Most high-income Australians built their 2025 financial plans around a story that has since reversed. Through last year, the Reserve Bank cut three times and the consensus was that borrowing would keep getting cheaper. That story is dead. The RBA has now raised the cash rate three times in 2026, to 4.35%, fully unwinding last […]

There are a few weeks left in the 2025-26 financial year, and for high-income earners the window to do anything useful about your tax closes on 30 June. After that you are reporting history, not shaping it. Most years that deadline is routine. This year it sits in front of a real shift. Division 296, […]

Three months ago, we wrote about AI transforming wealth management. Since then, the technology hasn’t slowed. It’s accelerated. What was emerging in February 2026 is now deployed. What was experimental is now standard practice at leading firms. What was “coming soon” is here. The gap between advisers using AI effectively and advisers still working manually […]