Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stuart Wemyss, a qualified financial advisor, accountant, tax agent, and licensed mortgage broker, delivers holistic advice. With four authored books, including "Investopoly" and "Rules of the Lending Game," Stuart shares his insights through a weekly blog, which is replicated on this podcast.
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A holistic accountant goes beyond tax returns, aiming to offer proactive advice to maximise clients' wealth after all taxes. Stuart Wemyss and Mena Abraham explore multifaceted considerations weekly, highlighting the need for a holistic approach. Each episode is succinct and to the point with no fluff or sales pitches. For further details, check out www.prosolution.com.au.
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Q&A: Interest-only loans, transferring investment ownership, education bonds and more...
32:50
32:50
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32:50In yesterday’s Q&A podcast episode, Stuart answered a wide range of listener questions about property investing, tax strategies, and long-term financial planning. He explained options for investors whose interest-only loan terms are ending, covering whether refinancing or switching to principal and interest repayments makes more sense depending on …
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Send us a text Sudden wealth sounds like a dream—until it isn’t. In this deeply insightful episode, Stuart and Mena unpack financial decision paralysis, a common yet overlooked phenomenon that hits when wealth arrives through inheritance, a business exit, or property windfall. They go beyond the typical “overwhelm” narrative to explore identity shi…
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Ep 353: Are property plans worth paying for?
32:28
32:28
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32:28New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart takes a critical look at property planning services, which promise to help you build a portfolio by mapping out your borrowing capacity, cash flow, and investment strategy—for a price tag of $4,000 to $5,000. He exp…
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Q&A: Surprising tax saving on inheritance, investing in property overseas, repay mortgage or invest and more...
31:47
31:47
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31:47In this Q&A episode, Stuart unpacks a range of nuanced financial strategies, from tax-effective investing for children to optimising debt, investment structure, and global property opportunities. He begins with Cara’s question about investing an inheritance for her children and explains the surprising tax concession available through testamentary t…
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Ep 352: Banks and miners: Where to from here for the Australian stock market?
31:57
31:57
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31:57New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart dives into the heart of the Australian share market, breaking down how a small group of stocks—the big banks and major miners—are dominating the ASX200. In 2024, just three banks (CBA, Westpac, NAB) delivered more t…
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Send us a text Effective tax planning isn’t just for big corporations — it’s an essential lever for small business success. In this power-packed episode, Stuart and Mena walk through the ultimate small business tax planning checklist to help you preserve capital, reduce liabilities, and build long-term wealth. They explore forecasting profit and ta…
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Q&A: Livevesting, transition into your forever home, balancing regular travel and investing and more...
31:04
31:04
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31:04In this Q&A episode, Stuart explores the intricacies of livevesting, a strategy that uses your primary residence as both a lifestyle asset and an investment tool. He responds to a thoughtful proposal to use the equity in a fully paid-off home to fund early retirement while still benefiting from the compounding capital growth of a high-quality prope…
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Ep 351: Rentvesting vs Home Ownership: A Strategic Comparison
27:49
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27:49New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell Wallace dives into one of the most talked-about debates in Australian property circles: rentvesting vs. home ownership. With housing affordability challenges in major cities, many investors are asking, is it smart…
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Send us a text As 30 June approaches, Stuart and Mena shift focus to PAYG employees and individual taxpayers, sharing key tax planning strategies that can help you save money and avoid surprises at tax time. From super contributions (including carry-forward and spousal strategies) to income protection insurance, salary packaging, home office expens…
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Q&A: Cheap SMSF, sell shares to repay home loan, best books, forever home strategies
34:09
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34:09In this Q&A episode, Stuart tackles a diverse mix of listener questions, exploring everything from low-cost SMSF innovation to strategic debt repayment, financial reading recommendations, and smart home upgrade planning. He kicks things off by discussing how falling costs and rising tech-driven solutions have made SMSFs more accessible at lower bal…
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Special: Trump tariffs - what should investors do?
14:18
14:18
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14:18In this episode, Stuart discusses the recent Trump Tariffs and their potential impact on your investments. The US has raised tariffs from 2.5% to 22%, causing the US market to drop 10% over two days, with, for example, Apple losing 17% of its value - equal to one third of the value of the whole ASX - $1 trillion Australian dollars. If these tariffs…
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Send us a text Audit activity is ramping up fast. In this crucial episode, Stuart and Mena reveal the sharp rise in ATO audits they've seen in the past few months, with more cases than in their combined careers to date. If you're a business owner, investor, or employee with deductions, this is a must-listen. They break down the key audit hotspots t…
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Ep 350: Reduce CGT by 28%! How to own property in a company.
33:04
33:04
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33:04New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart unpacks a lesser-known strategy in property investing: using a private company to hold investment properties and how it could cut your capital gains tax (CGT) by up to 28%. While companies don’t get the 50% CGT disc…
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Q&A: How to use inheritance, buying into a business, how to invest cash in SMSF, when to get advice and more...
39:00
39:00
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39:00In this Q&A episode, Stuart explores how to make strategic decisions with lump sums, whether they come from inheritances, business opportunities, or property sales. He offers guidance to William, who’s weighing how best to use a $750,000 inheritance to build long-term wealth while balancing homeownership and market timing. Sarah, currently on mater…
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Tax strategies to optimise your borrowing capacity
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10:22
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10:22Send us a text Want to boost your borrowing power without compromising your long-term tax strategy? In this episode, Stuart and Mena unpack the critical tax strategies that can enhance your ability to secure loans while maintaining wealth-building goals. They dive into key tactics such as strategically increasing taxable income, delaying deductible…
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Ep 349: Investor risk premium: what is it and why it matters
35:00
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35:00New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the 'Investor Risk Premium', a key concept that helps you assess whether you’re being fairly rewarded for the risks you take with your investments. Traditionally used in share investing, Stuart explains …
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Q&A: Develop or sell with DA, rentinvesting considerations, does property add meaningful diversification in a portfolio and more...
33:36
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33:36In this Q&A episode, Stuart unpacks a wide range of listener questions, from navigating complex property strategies to exploring the role of diversification in a balanced investment portfolio. He shares tailored insights with AJ on managing a high-income household, including whether to sell, develop, or hold investment properties, how to structure …
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Ep 348: Hotspotting versus buy-and-hold: Which strategy is better?
31:00
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31:00New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we dive deep into the hotspotting vs. buy-and-hold debate to determine which strategy delivers better long-term wealth. 🔹 What is hotspotting? Hotspotting involves identifying areas poised for short-term price growth, ofte…
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Considerations When Making a Living Inheritance
12:29
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12:29Send us a text Traditional estate planning can be complicated, with legal disputes and tax burdens creating hurdles for beneficiaries. In this episode, Stuart and Mena explore an alternative—giving a living inheritance—and the financial strategies that make it a powerful tool for wealth transfer. They discuss how a living inheritance allows benefic…
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Q&A: Tax & super investment options, the “right” strategy, Melbourne property, company restructure and more...
33:24
33:24
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33:24In this Q&A episode, Stuart dives into diverse financial topics, from tax-efficient super strategies to Melbourne's property market trends and business exit planning. He answers listener questions on the best share broking platforms, breaking down fees, accessibility, and market options. For superannuation investors, Stuart explains the tax implica…
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Send us a text What makes a great accountant invaluable to your business and finances? In this episode, Stuart and Mena go beyond compliance work to explore how a proactive accountant can save you money, reduce risks, and provide financial insights that fuel long-term success. They discuss key accounting functions, from keeping your financials up t…
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Ep 347: Is property development an effective way to build wealth?
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35:45New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we take a deep dive into property development as a wealth-building strategy. Using real-life case studies, we explore whether small-scale property development offers better returns than traditional buy-and-hold investing. …
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Q&A: Is asset protection important, sell property now, invest for the short term future and more...
27:03
27:03
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27:03In this Q&A episode, Stuart tackles pressing financial questions on asset protection, property decisions, and short-term investment strategies. He delves into whether high-net-worth individuals should prioritise asset protection over tax efficiency and whether selling assets now to move them into a trust is worth the CGT hit. Stuart also advises on…
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Ep 346: 4 things an advisor can do to boost share portfolio returns
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33:00
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33:00New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares the key ways a financial advisor can help you maximise your share portfolio’s returns—beyond just picking stocks. 🔹 What difference does an advisor make? Even savvy, self-directed investors can unknowingly le…
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How to make your business cash work for you
11:29
11:29
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11:29Send us a text Managing business profits effectively is crucial to minimising tax risks and optimising cash flow. In this episode, Stuart and Mena break down the complexities of withdrawing business income for personal use and the potential tax consequences if not done correctly. Many business owners assume they can freely access business profits, …
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Q&A: Moving wealth from property into super, planning in retirement, benefits of two separate super funds and so on...
36:06
36:06
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36:06In this Q&A podcast, I discuss strategies for maximising superannuation contributions, including the eligibility criteria for large non-concessional contributions and using income from properties and trusts to qualify. A listener seeking retirement planning advice receives insights on optimising investments for income, along with guidance on invest…
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Ep 345: How to choose a great buyer’s agent?
32:20
32:20
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32:20New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell Wallace breaks down the key qualities that make a great buyer’s agent and why choosing the right one can make or break your property investment strategy. Investing in the highest-quality, investment-grade property…
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Becoming a self-employed medical specialist - here’s what you need to know.
10:58
10:58
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10:58Send us a text Thinking of making the transition from an employed medical practitioner to running your own private practice? In this insightful episode, Stuart and Mena break down everything you need to know about structuring your business, protecting your assets, and optimising your tax position as a self-employed medical specialist. The duo dives…
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Q&A: Intergenerational wealth, tax & loan structure, investment strategy critique and more...
32:49
32:49
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32:49In this Q&A episode, Stuart delves into a variety of listener questions, tackling key financial strategies for wealth-building, tax optimisation, and long-term investment planning. He explores the complexities of intergenerational wealth creation, discussing how trusts can be structured to compound assets over generations. Loan structuring and tax …
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Send us a text Podcast Episode: S05 – E03 – The Art of Business Structuring Getting your business structure right from day one can make or break your long-term success. In this episode, Stuart and Mena unpack the often-overlooked art of business structuring and why it’s essential to align your entity type with your business goals, industry risks, a…
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Ep 344: More holidays?…The top 10 advantages of having a long-term investment strategy
35:48
35:48
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35:48New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores why having a clear, long-term investment strategy is essential for financial success. Inspired by Rohan Rajiv’s insights on strategy, he breaks down how defining a sequence of smart financial steps can help…
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Q&A Episode: Super account for minors, maximising franking credits, renovate or invest and more...
34:16
34:16
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34:16In this Q&A episode, Stuart tackles a diverse range of listener questions, covering key financial strategies to optimise wealth and retirement planning. He explores the idea of setting up super accounts for children, weighing the long-term benefits against prioritising present-day investments. He also dives into the complexities of franking credits…
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Send us a text In this thought-provoking episode, Stuart and Mena dive into the future of accounting and how it’s set to transform by 2040. Gone are the days of paper-driven processes and purely compliance-focused roles. Over the past two decades, the industry has undergone a radical shift, with automation, AI, and prefilled data revolutionising ho…
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Ep 343: Asset rich but cash flow poor? Co-investing in property with your super could be the solution
32:53
32:53
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32:53New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores an alternative strategy for property investors who may be cash-flow-poor but asset-rich—co-investing in property with your superannuation. Building on last week’s discussion about the pros and cons of borro…
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Case Study: An example of a perpetual portfolio in retirement
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31:39
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31:39New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this case study episode, Stuart Wemyss discusses a client’s journey to establishing a successful retirement strategy using a perpetual portfolio. The client, who began retirement with a Self-Managed Super Fund (SMSF) balance of just under $2 million, faced …
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What are things that business owners should be thinking about and working on at the beginning of the year?
10:20
10:20
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10:20Send us a text In this episode, Stuart and Mena kick off Season 5 of the HA podcast by highlighting the importance of business goal-setting at the start of the year. While personal New Year’s resolutions often take the spotlight, many business owners neglect to set clear targets—something Stuart and Mena argue can significantly impact success. They…
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Ep 342: Are the benefits of investing in property with your super overstated?
30:54
30:54
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30:54New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the realities of borrowing to invest in property inside your superannuation. While SMSFs using Limited Recourse Borrowing Arrangements (LRBAs) have seen impressive asset growth—rising from $43 billion to…
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Q&A: Sell investments to upgrade home, invest in personal name or trust, and more...
41:19
41:19
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41:19In this Q&A episode, Stuart answers a range of listener questions covering property investment strategies, tax considerations, and structuring share portfolios for long-term wealth building. He explores whether it's better to sell investment properties to upgrade a family home, how to balance rental yields with capital growth, and whether to renova…
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