Perspective Financial Services Pty Ltd

25/05/2026

EOFY is fast approaching, and with changing rules, deadlines and opportunities to consider, it’s important to stay organised.

We’ve created a practical EOFY checklist to help guide you through key considerations as you approach 30 June.

Also found on our 'Useful Links' section of our site - https://perspectivefs.com.au/useful-links/

12/05/2026

The 2026 Federal Budget was announced last night with many changes, particularly around property, trusts and tax reforms that can affect intergenerational wealth planning.

Beyond the headlines, the broader shift is worth paying attention to. Australia appears to be moving toward a system that places greater emphasis on wages, productivity and housing supply, while gradually reducing some of the tax advantages historically tied to investment assets and wealth structures.

For many Australians, there may be no immediate action required. But it is a reminder of the importance of proactive advice, long-term planning, and regularly reviewing structures as legislation evolves.

Some of the key discussion points include:

• Changes to negative gearing and capital gains tax
• Proposed trust taxation reforms
• Ongoing cost-of-living tax relief for workers
• Housing and first-home buyer initiatives
• Small business and productivity incentives

Periods of change often create uncertainty, but they also reinforce the value of having a strategy designed to adapt over time rather than react emotionally to headlines.

The detail matters, but so does context.

Reach out to us at perspectivefs.com.au to explore your financial circumstances together.

05/05/2026

We received some pictures of great moments from the Advice LIVE by Akumin Advisory, where Esther Althaus presented on intergenerational wealth considerations.

We’re actively working with clients to help them navigate this space with clarity, perspective, and practical solutions.

We’re also learning from within. Jesse Elaluf has hit the ground running, bringing a fresh, next-gen perspective that continues to shape how we think about these dynamics.

Esther always enjoys contributing to industry conversations, so if you’re planning an event and want a thoughtful voice on intergenerational wealth, feel free to reach out - perspectivefs.com.au

Want to see more moments from the conference?

14/04/2026

𝗦𝗵𝗼𝘂𝗹𝗱 𝘄𝗲 𝘀𝘁𝗼𝗽 𝗰𝗮𝗹𝗹𝗶𝗻𝗴 𝗶𝘁 ‘𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁’?

Esther reframes what this stage of life can look like. Not an ending, but a choice. A time to decide how you spend your days and what matters most.

𝗔 𝗿𝗲𝗺𝗶𝗻𝗱𝗲𝗿 𝘁𝗼𝗼: 𝘆𝗼𝘂𝗿 𝘃𝗮𝗹𝘂𝗲 𝗴𝗼𝗲𝘀 𝗳𝗮𝗿 𝗯𝗲𝘆𝗼𝗻𝗱 𝘆𝗼𝘂𝗿 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻, 𝗮𝗻𝗱 𝗶𝘁 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗱𝗶𝗺𝗶𝗻𝗶𝘀𝗵 𝘄𝗶𝘁𝗵 𝗮𝗴𝗲:

Esther and Daniel, her first client, sit down to discuss a 20+ year client / advisor relationship. Watch the full conversation on YouTube here, https://youtu.be/dWftV_3Y8jU

If you’re thinking about your next chapter, reach out to the team at Perspective at [email protected] or visit perspectivefs.com.au. We’re here to help.

29/03/2026

Daniel was Esther’s and Perspective’s very first client.

This conversation is a reflection on trust, time, and how financial goals naturally evolve. A big thank you to Daniel and Sally for sharing their story so openly.

In this clip, we explore a simple but meaningful question: 𝗵𝗼𝘄 𝗱𝗼 𝗴𝗼𝗮𝗹𝘀 𝗰𝗵𝗮𝗻𝗴𝗲 𝗼𝘃𝗲𝗿 𝘁𝗵𝗲 𝘆𝗲𝗮𝗿𝘀?

A 𝟮𝟬+ 𝘆𝗲𝗮𝗿 𝗰𝗹𝗶𝗲𝗻𝘁–𝗮𝗱𝘃𝗶𝘀𝗲𝗿 𝗷𝗼𝘂𝗿𝗻𝗲𝘆 offers a rare kind of insight, and there’s a lot to learn from it. Watch the full interview here: https://youtu.be/dWftV_3Y8jU

If you’re starting to think about your next phase, we’re here to help you navigate it. Visit 𝗽𝗲𝗿𝘀𝗽𝗲𝗰𝘁𝗶𝘃𝗲𝗳𝘀.𝗰𝗼𝗺.𝗮𝘂 or send an email to 𝗰𝗼𝗻𝘁𝗮𝗰𝘁𝘂𝘀@𝗽𝗲𝗿𝘀𝗽𝗲𝗰𝘁𝗶𝘃𝗲𝗳𝘀.𝗰𝗼𝗺.𝗮𝘂

23/03/2026

We’re still unpacking the energy and insights from Advice Live by Akumin in Auckland, what an event!

Esther brought Jesse along for his first industry conference, and it definitely set the bar high. Great conversations, fresh perspectives, and plenty we’re looking forward to bringing back into our work with clients. A standout across the event was the strength of peer-to-peer learning - open, honest, and genuinely collaborative.

Esther was invited to join the 𝗜𝗻𝘁𝗲𝗿𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗪𝗲𝗮𝗹𝘁𝗵 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿 panel, sharing ideas on how to create better outcomes for clients and their families. A big thank you to fellow panellists Ben Kemp and Emma Bant for their insights and collaborative spirit, and a special congratulations to Emma on a well-deserved Astrum Award.

Thanks to Robert Shiner, Gerard Evans, Matt Lawler and the wider Akumin Advisory for such a well-run and meaningful event, we’re already looking forward to next year!

09/03/2026

Esther recently hosted an informative webinar with Haydn Marshall from Lend Perspective.

Over time, we have developed a strong working relationship with Haydn, so we invited him to share his insights on the lending landscape and what borrowers should understand right now.

Esther and Haydn had a great conversation covering current industry developments, common mistakes people make with their loans, and how a mortgage should fit into a broader financial strategy.

You can watch the full conversation on YouTube here.
https://youtu.be/tpfJ2jcsrsA?si=ZMTMVe1NrmFAzZFZ

If you would like to review your mortgage and understand whether your current structure is the best it can be, we would be happy to facilitate a health check.

Reach out at [email protected], and we can help you get the process started.

24/02/2026

After 11.5 years, we wish Kathryn all the best in her retirement!

We recently gathered for a farewell dinner to celebrate her as a valued and much-loved member of our team. We were fortunate to have her children join us, which felt especially meaningful. A reminder that milestones like this begin with one person, but the ripple effect touches everyone around them.

We wish Kathryn every happiness and many special family moments ahead!

16/02/2026

We’re pleased to welcome Jesse Elaluf to the Perspective team as an Associate Adviser.

He brings strong technical capability, a calm and considered approach, and a real enthusiasm for helping clients make confident financial decisions.

We’re proud to support his development as he progresses through his Professional Year.

Welcome aboard, Jesse.

27/01/2026

Recently, Esther Althaus was interviewed by the Financial Review to discuss why women are increasingly at the centre of long-term wealth stewardship, and how families are responding by planning earlier, involving the next generation, and focusing on continuity rather than transactions.

As Australia enters one of its largest intergenerational wealth transfers, the conversation is changing.

Read the article to learn more.

Australia is experiencing one of the largest intergenerational wealth transfers in its history.