Episoder
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Read full blog here.
In this episode, Stuart dives into the rising cost of financial advice and what it means for Australians. With ongoing advisor fees often starting at $5,000 per year, many advisors now focus on long-term client relationships, leaving fewer options for those seeking once-off advice. Stuart explains how this shift forces many to navigate financial decisions independently, a challenge that can be daunting but not impossible.
He shares four key steps to take before hiring a financial advisor: first, get a clear understanding of your cash flow; second, educate yourself on fundamental financial concepts like superannuation, property vs shares, and leveraging debt to invest; third, assess whether your next financial move is obvious or if you truly need strategic advice; and finally, make sure your financial house is in order by addressing any outstanding issues like consolidating super or building a savings buffer.
Stuart's advice empowers listeners to take proactive steps toward financial independence while highlighting when it might be necessary to seek professional help. Whether you're just starting your wealth-building journey or considering your next big move, this episode offers practical guidance to help you make smarter financial decisions.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
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Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here.
In this episode, Stuart explores a remarkable case study of a client who increased their investment assets by 5.9 times in just six years. Starting in 2018 with a net worth of $2.9 million, primarily in home equity and superannuation, the client has grown their wealth to $5.1 million today, marking a 170% increase in net worth. Stuart breaks down the key factors behind this success, including the strategic purchase of a Queensland property in 2018, which gained over $700k in equity, and an Elwood apartment in 2022.
Stuart also highlights the importance of market timing, strong investment in superannuation, and careful cash flow management, which allowed the client to invest in renovations, super, and a corporate beneficiary. The case study underscores the value of timely advice and disciplined financial planning.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
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Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Manglende episoder?
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DOWNLOAD our 97-point financial health checklist here.
Read full blog here.
In this episode, Stuart explores the ongoing debate about the future of interest rates and inflation, addressing key questions about when the Reserve Bank of Australia (RBA) might begin cutting rates. He highlights the disparity between the RBA’s forecasts, which predict inflation will only stabilise by 2026, and market expectations, which signal rate cuts as early as 2025. Drawing on historical trends and market insights, Stuart discusses the potential risks of prolonged inflation and how government spending and a tight labour market are contributing to this issue.
He also explains why Australia’s current strategy differs from other countries, noting that our reliance on variable-rate mortgages makes consumers more sensitive to rate changes. With historical data showing inflation often reaccelerates Stuart cautions that any potential rate cuts in 2025 could be short-lived, leading to further hikes.
Stuart offers a balanced view on whether the RBA can achieve the elusive "soft landing" or if more economic pain lies ahead. This episode is essential listening for anyone interested in understanding the complex factors shaping Australia's economic future.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
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Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here.
In this Q&A episode, Stuart tackles a variety of listener questions on property investment, super contributions, and share portfolios. One listener asks whether it’s wise to leverage for an investment property now, even if it might need to be sold in the next five years. Stuart emphasises the long-term benefits of property ownership, combining gearing with time, and suggests a strategy to buy an upgraded home and rent it out.
Another listener seeks advice on redirecting voluntary super contributions to their mortgage for short-term cash flow relief amid rising interest rates. Stuart supports this approach, provided cash flow is well-managed, noting that adjusting investments during economic challenges is common.
There’s also a query about when to sell single stocks that have performed well. Stuart provides a straightforward framework to evaluate stocks based on value and growth prospects, offering practical advice on taking profits.
Stuart also advises on whether to convert a super fund into a wrap account 10 years before retirement, weighing the costs of capital gains tax and the potential benefits of professional advice. This episode provides valuable insights into key financial decisions across different life stages.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
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Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here.
Read full blog here.
In this episode, Stuart tackles a crucial question for property investors: How long does it take for an investment property to cover its costs? He delves into the cash flow dynamics of property investment, explaining why most properties start as cash flow negative and what you can do to improve this over time.
Stuart discusses the importance of understanding the timeline for your property to become cash flow neutral, especially in the context of retirement planning. He explores strategies like debt reduction through offset accounts, making capital improvements to boost rental income, and how these actions can accelerate your property’s journey to positive cash flow.
The episode also examines the potential trade-offs of selling a property to reduce debt and improve cash flow, highlighting when this might be a viable option. Stuart emphasizes the need for a long-term plan that includes both acquiring high-quality assets and proactively managing cash flow to ensure your property portfolio supports your financial goals, particularly as you approach retirement.
If you're navigating the complexities of property investment, this episode offers practical insights to help you make informed decisions and maximise your investment's potential.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
In this case study episode, Stuart delves into the transformative journey of a couple who started working with Prosolution in their mid-40s, back in September 2016, with a $900k investment portfolio. Over the past eight years, they've grown their investment assets to $2.5 million, a remarkable 2.8x increase.
Stuart discusses how Prosolution played a crucial role in cleaning up their investments and ownership structures, including eliminating expensive managed funds, optimising direct shares, and strategically using a trust with a corporate beneficiary. The clients also benefited from expert guidance on superannuation and smart allocation of surplus cash flow.
One of the significant moves was purchasing an investment property in 2017, which has appreciated by $200k. Stuart also shares insights into the emotional relief the clients experienced by outsourcing complex financial decisions, allowing them to focus on their careers and personal lives.
Throughout the episode, Stuart highlights the importance of tax efficiency through corporate beneficiaries, super contributions, and gearing strategies, noting that while gearing hasn't fully matured yet, it's a solid foundation for future growth. This episode offers valuable lessons on wealth management and strategic financial planning.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here.
Read full blog here.
In this episode, Stuart explores the critical question of whether financial advice is worth the cost. He delves into how the value of advice is closely tied to the amount you have to invest, the complexity of your financial needs, and the range of services required.
Stuart highlights how professional advice can optimise investment returns, reduce taxes, and prevent costly mistakes through behavioural coaching. He also discusses the true value of advice, emphasising its role in helping you achieve long-term lifestyle goals rather than merely chasing returns.
Additionally, Stuart provides a breakdown of the costs associated with financial advice and shares insights on when it might be better to take a DIY approach to managing your finances.
This episode is packed with practical guidance for anyone considering whether to engage a financial advisor.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here.
In this Q&A episode, Stuart answers a range of insightful questions from listeners, covering various aspects of property investment, share market strategies, and borrowing capacity. He discusses the best vehicles for holding investments, such as companies, trusts, and superannuation, and offers his perspective on why the Adelaide property market has remained strong despite its economic challenges. Stuart also delves into the use of trust structures for building a property portfolio, weighing the benefits against the potential drawbacks like higher costs and reduced negative gearing benefits.
Listeners will also hear Stuart's thoughts on whether income-yielding locations can match the performance of high-growth cities over the long term and how to approach investments in affordable markets. Additionally, Stuart offers advice on navigating borrowing capacity issues when investing in property and whether renting might be a more strategic option when planning significant property projects.
This episode is packed with practical advice and expert insights tailored to the current market conditions, making it a must-listen for anyone looking to make informed decisions in their investment journey.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here.
Read full blog here.
In this episode, Stuart delves into why Australia’s share market often seems to underperform compared to global markets, despite occasional bright spots. He reflects on the recent 6% market drop followed by a modest recovery in Australia compared to the US. While historical data shows a relatively small difference in long-term returns between Australian and international markets, Stuart highlights how recent years have been driven by the tech boom, particularly in the US. Companies like the "Magnificent 7" have propelled global indexes, but Stuart cautions that their future growth may already be priced in, making them riskier investments moving forward.
He discusses forecasts by Research Affiliates, predicting strong future returns for the Australian market, largely driven by high dividend yields. With expected annual returns of 7.9% for Australian shares, Stuart argues that Australia could outperform global markets in the coming decade. However, he advises against neglecting international exposure, as Australia makes up only a small portion of global markets and is heavily concentrated in sectors like mining and banking. This episode is packed with insights for investors looking to optimise their portfolios for the future.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
In this case study episode, Stuart takes listeners through a fascinating client journey that showcases a 3.2x growth in investment assets over nine years. Starting with a net worth of $2.7 million in 2015, the clients have seen their wealth soar to $6.5 million by leveraging smart financial strategies. Stuart shares how they helped these clients build a $3.5 million home, increase equity in a holiday property from $350k to $1.6 million, and boost their superannuation from $700k to $2.15 million. They also acquired an investment property in Clifton Hill, which is set to underpin future super growth despite modest initial returns.
The episode highlights key learnings, including the importance of having a clear strategy around repaying home debt, divesting employee shares to reduce debt, and optimising superannuation for maximum returns. Stuart reflects on how the COVID boom perfectly timed the holiday house investment and explains why planning is ultimately about achieving life goals, not just financial returns. Whether you're looking for practical insights or inspiration from real-life success, this episode delivers both.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
Read full blog here.
In this episode, Stuart revisits the concept of "liveinvesting," a strategy where you invest more in your family home to secure a prime location with strong growth potential. As property prices in cities like Melbourne are currently more affordable, Stuart explores whether now is the perfect time to implement this approach.
He explains how liveinvesting can offer significant tax-free capital growth, improve your lifestyle, and boost your retirement savings by downsizing later. However, Stuart also highlights the risks, including the lack of tax-deductible home loan interest, concentration risk, and the potential emotional challenge of downsizing in the future.
With Melbourne's property market poised for potential growth and interest rates likely to stabilize, Stuart discusses why this might be an opportune moment to consider liveinvesting.
Tune in to learn more about this innovative strategy and whether it could be the right move for your financial future.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
In this episode, Stuart tackles a variety of financial questions, offering expert insights and practical advice on key dilemmas. He begins by discussing whether to sell an investment property to reduce a home loan or hold onto it for long-term growth, weighing the potential returns against the benefits of paying off a mortgage early.
Next, Stuart examines the pros and cons of maintaining an investment property in retirement versus selling it to invest the proceeds into superannuation, exploring the balance between capital growth and tax efficiency.
He then delves into the risks and timing considerations of leveraging home equity to invest in ETFs, cautioning against the potential pitfalls of borrowing to invest.
Stuart also touches on the implications of moving into the pension phase while living overseas, including tax residency considerations and how this might affect Australian superannuation.
Additionally, he provides guidance on constructing a well-diversified, ESG-compliant share portfolio, offering insights into selecting ETFs that align with long-term investment goals.
Finally, Stuart explains strategies for boosting superannuation, such as contribution splitting, to help maximize retirement savings.
Tune in to gain valuable financial knowledge and learn how to navigate these complex topics with confidence.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
Read full blog here.
In this episode, Stuart delves into the six crucial considerations for selling a property, offering valuable insights to maximise your success. He begins by emphasizing the importance of presentation and making small improvements to attract buyers and achieve a higher sale price. Stuart discusses the best times to sell, noting that while spring is popular, other seasons might be more advantageous depending on your property's unique features and location.
Choosing the right real estate agent is highlighted as a key factor, with Stuart advising on what to look for in an agent and the benefits of vendor advocates. He then covers the complexities of taxation, explaining how Capital Gains Tax (CGT) can impact your sale and offering strategies to minimize liability. Mortgage management is another critical topic, as Stuart outlines steps to ensure you retain control over the sale proceeds.
Finally, Stuart addresses tenancy agreements, providing guidance on selling tenanted properties and the importance of planning ahead. This episode is packed with practical advice and expert tips to help you navigate the property selling process with confidence and success. Don't miss it!DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
In this case study episode, Stuart explores the impressive journey of a couple who have transformed their net worth from $868k in 2010 to over $5.4m today. Starting with a modest portfolio that included a primary residence, a Tasmanian property, shares, and superannuation, the couple strategically diversified and expanded their investments. Stuart highlights key moves such as acquiring a commercial property for their business, investing in shares, and navigating the challenges of cash flow management while funding private school fees.
Listeners will learn valuable insights from their experiences, such as the impact of quality investments like their double-fronted Victorian home in Northcote, which contributed significantly to their wealth increase. Stuart also discusses the importance of timing and location in property investments, comparing different outcomes from commercial property purchases.
The episode underscores the power of patience and compounding, with Stuart noting that the couple's continued success now hinges on time rather than additional contributions. Key takeaways include the significance of cash flow management, the benefits of forced savings through mortgages, and the value of taking action within one's budget constraints. This episode is packed with practical lessons and inspiration for anyone looking to build and manage a successful investment portfolio.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
Read full blog here.
In this episode, Stuart delves into the critical topic of selecting the best super fund for 2024. With many super funds delivering impressive double-digit returns in the past financial year, Stuart highlights the disparity among funds, particularly in terms of transparency and risk. He emphasizes the importance of scrutinizing funds' investments, especially those with unlisted assets, and the potential conflicts of interest tied to industry funds' connections with trade unions and political parties.
Stuart advises on the benefits of choosing super funds with a significant allocation to listed investments for better transparency and reliability. He also discusses the recent legislative changes allowing super funds to provide limited financial advice, noting the potential conflicts of interest.
For those with substantial super balances, Stuart suggests exploring alternatives to industry funds, such as wrap platforms, which offer greater transparency and potentially lower fees. He champions UniSuper as the top industry fund due to its consistent strong returns, low exposure to unlisted assets, and competitive fees.
Tune in to gain insights on maximizing your super returns and making informed decisions about your retirement savings.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
In this case study episode, Stuart Wemyss shifts from case studies to an interactive Q&A format, addressing several listener inquiries. The episode kicks off with strategies for early retirement, where Stuart discusses balancing investment approaches, living expenses, and aggressive gearing techniques to achieve financial independence in your 40s. He also delves into superannuation contributions and managing the transfer balance cap.
Next, he explores investment structures, focusing on family trusts and corporate beneficiaries. Stuart highlights the tax implications and benefits of these entities, providing practical insights into capital gains tax considerations. An example calculation demonstrates the significant financial impact of working longer versus drawing on superannuation, offering valuable advice for those contemplating their retirement timeline.
Stuart also tackles the challenge of finding holistic financial advice and providing tailored investment recommendations based on current assets and income. He suggests focusing on super contributions over additional property investments for a more balanced financial plan.
Listeners are encouraged to submit their questions for future Q&A episodes, and Stuart announces plans for upcoming webinars and live events to discuss advisor fees and selection criteria further. This interactive episode promises to equip listeners with actionable insights and personalized advice for their financial journeys.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
Read full blog here.
In this episode, Stuart delves into the essential topic of how much superannuation you need for a comfortable retirement. Drawing on a recent discussion with James Kirby from The Australian newspaper, Stuart explores the complexities of retirement planning, including how long your retirement might last and the shortcomings of traditional super calculators. He emphasises the importance of a perpetual portfolio, where your investment returns exceed your living expenses, ensuring your capital remains intact.
Stuart breaks down two key scenarios: relying solely on super and combining super with property investments. He explains how each approach can provide financial security and highlights the critical factors to consider, such as initial investment base and asset allocation. With practical advice and real-world examples, Stuart offers listeners a comprehensive guide to planning for a financially secure retirement, helping you decide whether a perpetual portfolio or a mix of super and property is right for you. Tune in to learn how to achieve a sustainable retirement plan that safeguards against longevity risk and ensures peace of mind for the future.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
In this case study episode, Stuart takes us through the financial journey of a high-income client who started with mortgage advice in 2007 and expanded to holistic financial advice in 2014. The client's initial assets included a primary residence worth $1.2 million. Significant property investments followed, including a $3.8 million Camberwell property and several other strategic acquisitions.
In 2016, the client began share investing, contributing $10,000 per month, which has grown substantially. By 2022, the client diversified into a lifestyle asset with a $2.4 million holiday home in Lorne. Now, with a net worth exceeding $15 million, including their home, the client is embarking on a major renovation of their primary residence.
Key insights include the importance of gearing early to leverage future growth, strategic investing to control cash flow, and the financial freedom to invest in lifestyle assets.
This episode offers valuable lessons on reducing debt, building wealth, and achieving financial security.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
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Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
Do you have a question? Email [email protected] and Stuart may answer it in the podcast.
Read full blog here.
In this episode, Stuart dives into the world of share investing by exploring four alternative rules-based indexing strategies beyond the traditional market cap approach. He starts with a brief history of market cap indexing and highlights its major shortcomings, such as overexposure to overvalued stocks and rebalancing inefficiencies. Stuart then introduces four compelling alternatives:
1. Equal Weight Indexing: This strategy allocates an equal amount to each company in an index, reducing the dominance of large-cap stocks and providing balanced exposure across all company sizes.
2. Dimensional Indexing: Backed by rigorous academic research, this approach adjusts conventional indices based on factors like value, size, and profitability, aiming for higher long-term returns.
3. Quality Factor Indexing: This method selects stocks based on objective quality metrics, offering a defensive strategy against economic downturns by focusing on profitable, low-debt companies.
4. Value Indexing: By investing in attractively priced stocks, this strategy aims to capitalize on undervaluation for above-average future returns.
Stuart also discusses the importance of considering factors such as liquidity, fees, and diversification before investing in any ETF. Whether you have a small or large portfolio, this episode provides invaluable insights to help you navigate the complex world of share investing.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. -
In this case study episode, Stuart delves into the transformative journey of a couple who embraced the principle that quality trumps quantity in property investment. Beginning their journey in 2015 with a net worth of $1.35 million, their portfolio included several underperforming properties. Through strategic advice, they sold these assets and reinvested in higher-quality properties, significantly boosting their financial position. Key moves included purchasing a property in South Yarra and a home in Haberfield with an investment lens, which later sold for impressive gains.
Fast forward to 2024, their net worth has almost tripled to nearly $4.1 million. Stuart highlights crucial insights: the importance of replacing underperforming assets with high-quality ones, the power of focusing on fewer, superior properties, and the flexibility to pivot investment strategies based on changing financial circumstances. Additionally, he underscores the value of investing in one's home as a potent strategy for wealth building.
This episode is packed with practical lessons on how prioritising quality and adaptability can lead to substantial financial growth, making it a must-listen for anyone looking to optimise their property investment strategy.DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/
...
Do you have questions? Email [email protected]
If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps me reach more incredible listeners like you. Thank you for being a part of this journey! :-)
Click here to subscribe to Stuart's weekly email.
SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here.
Work with Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website.
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. - Vis mere
