Financial Planning

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 […]

June 30 is the biggest deadline in Australian wealth management. Not because it’s complicated. Because it’s final. Miss June 30, and you can’t make 2025-26 super contributions. Can’t claim 2025-26 deductions. Can’t implement strategies that could have saved $20,000, $50,000, or even $100,000 in tax. High-income Australians face the highest marginal tax rates (47% over […]

The Federal Budget 2026-27 delivered on 12 May 2026 represents the most significant change to property investment taxation in decades. Negative gearing will be restricted to new builds only from 1 July 2027. The capital gains tax (CGT) discount is being replaced with an inflation-based model. Discretionary trust distributions face a minimum 30% tax from […]

You’ve got $100,000 to invest. Your instinct says property deposit. Everyone around you is buying second, third investment properties. Property feels tangible, controllable, real. But the mathematics tell a different story. That $100,000 in super contributions over your career, compounding at 15% tax instead of 47% tax, will likely deliver double the after-tax wealth of […]

Australia’s March quarter inflation numbers dropped: 4.6%, the highest since September 2023. Not the 3-4% we’d been tracking. Not heading toward the RBA’s 2-3% target. Heading the wrong direction. Fuel prices up 32.8% in a single month. Electricity up 25.4% as government rebates ended. Housing costs up 6.5%. You check your portfolio statement. Up 7% […]

Most wealth managers are thinking about next quarter’s earnings. We’re thinking about the technology that will redefine portfolios over the next decade. Quantum computing isn’t science fiction anymore. Google’s Willow chip achieved quantum error correction in December 2024. IBM is targeting 100,000-qubit systems by 2033. China has operational quantum satellite communications. The race is on, […]