360 Financial Strategists

360 Financial Strategists 360 Financial Strategists
Financial Advice | Accounting | Mortgage Broking
360fs.com.au

www.360fs.com.au - 360 Financial Strategists - 'Own Your Future'.



360 Financial Strategists Pty Ltd as Trustee for 360 Financial Strategists Unit Trust (ABN 25 368 790 902) are Authorised Representatives and Credit Representatives of Akumin Financial Planning Pty Limited ABN 89 051 208 327 Australian Financial Services Licence 232706 and Australian Credit Licence 232706.

03/09/2026

Here's something a lot of people don't realise about estate planning...

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🎙️ New Podcast Episodehttps://youtu.be/TENrzJIYzyUEstate planning isn't just about deciding who gets your assets. It's a...
03/09/2026

🎙️ New Podcast Episode

https://youtu.be/TENrzJIYzyU

Estate planning isn't just about deciding who gets your assets. It's also about thinking carefully about how, when and under what circumstances they receive them. A testamentary trust can provide additional flexibility around how assets are managed after someone passes away.

In our latest podcast episode, we unpack:

👨👩👧 Protecting children, particularly when beneficiaries are young and may not be ready to manage a large inheritance.

💰 Managing an inheritance, rather than automatically giving a beneficiary access to a large lump sum, a trust can provide greater control over how and when assets are distributed.

🛡️ Asset protection, the structure can potentially provide protection in certain circumstances, including situations where a beneficiary may not be in a position to manage a large amount of money themselves.

👨👩👧👦 Blended families, estate planning can become more complex when there are children from previous relationships, and a testamentary trust may provide greater flexibility around providing for both a spouse and children.

📊 Tax considerations, the episode also explores how testamentary trusts can have tax advantages in certain circumstances, particularly where minor beneficiaries are involved.

🎧 Listen to the full podcast episode to hear Billy and Andrew unpack how testamentary trusts work, who may benefit from them and the circumstances where they could be unnecessary.

02/09/2026

Think about what a lump sum could actually become if you left it invested and untouched for a long time.

Compound interest does the heavy lifting here. As an example, $200,000 invested at 7% for 20 years grows to roughly $774,000. Same starting amount, just time and patience doing the work.

01/09/2026

When people receive an unexpected lump sum, the first question they usually ask is "what should I invest in?"

That's actually the wrong question. The right question is "what am I trying to achieve?"

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28/08/2026

They received an inheritance and straight away decided to buy a property.

On the surface that sounds like a solid, logical move. But they were so excited about finally being able to afford the house they'd always wanted that they skipped a few important questions...

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💰 A new financial year is the perfect opportunity to reset your finances and refocus on your goals.Whether you're saving...
27/08/2026

💰 A new financial year is the perfect opportunity to reset your finances and refocus on your goals.

Whether you're saving for your first home, paying down debt, growing your business, or planning for retirement, small financial habits can lead to lasting results.

We share 10 practical financial resolutions to help you budget smarter, build your savings, review your financial commitments, and create a stronger financial future.

Read the full article here: https://360fs.com.au/blog/10-smart-financial-resolutions-to-start-the-new-financial-year-with-confidence/?utm_source=facebook&utm_medium=social&utm_campaign=blog

🎙️ New Podcast Episodehttps://www.youtube.com/watch?v=VZULuriSYAcReceiving a lump sum can be exciting—but deciding what ...
27/08/2026

🎙️ New Podcast Episode

https://www.youtube.com/watch?v=VZULuriSYAc

Receiving a lump sum can be exciting—but deciding what to actually do with it can be surprisingly difficult.

Whether it comes from an inheritance, property sale, business exit, bonus, redundancy payment or another source, there can be a temptation to make a decision quickly.

But before you invest it, spend it or use it to pay down debt, it can be worth taking a step back and asking:

💰 What are you trying to achieve with the money?
🏡 Could paying down your mortgage make sense?
📈 Should some of it be invested for long-term growth?
💳 Could it be used to reduce expensive debt?
🛟 Would keeping some cash provide greater flexibility and security?
🎯 Or could a combination of strategies be more appropriate?

There isn't one universal answer. The right approach depends on your goals, timeframe, existing assets and liabilities, tax considerations and how much flexibility you want to maintain.

26/08/2026

You don't hire a personal trainer because you don't know how to exercise. You hire one to keep you accountable.

Financial advice works the same way. It's not just about the numbers, it's having someone in your corner when markets drop and you're panicking, when you're navigating a big family decision, or when you need someone to say "let's stick to the plan."

AI can help you prepare. It can't replace that.

Address

Waterman Business Centre, Level 1/793 Burke Road, Camberwell
Melbourne, VIC
3124

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+61394270855

Website

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