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Guided Investor Do MORE with your MONEY. Hi, I'm Brad
Financial Adviser | Planner

Join the journey Do MORE with your MONEY

11/08/2026

Interest rates on hold but what's the underlying message...

09/08/2026

Check your offset account

29/07/2026

Better-than-expected inflation news today. Trimmed mean inflation came in at 3.6% versus the 3.8% forecast, reducing the pressure on the RBA to raise interest rates again.

26/07/2026

The hardest part of financial independence isn't the maths. It's trusting yourself to live off what you've spent a lifetime building.

30/06/2026

Your super changed today.

Here's everything you actually need to know in under 2 minutes.

It's 1 July...Which means Australia has unleashed another round of financial rule changes. šŸ˜…Luckily, most of this year's...
30/06/2026

It's 1 July...

Which means Australia has unleashed another round of financial rule changes. šŸ˜…

Luckily, most of this year's super changes are actually good ones.

I've put together a quick video explaining what changed, who it affects, and whether you need to do anything about it.

The Government is coming after borrowing inside super....add that to the laundry list of changes!For years, SMSFs have b...
24/06/2026

The Government is coming after borrowing inside super....add that to the laundry list of changes!

For years, SMSFs have been able to borrow money to purchase residential investment properties using limited recourse borrowing arrangements (LRBAs).

That door is now set to close.

But does this mean property inside super is dead? Not exactly.

There are some important details:

- Existing arrangements
- Commercial property
- Buying property without debt

All treated differently.

I break it all down in the video. Link in comments šŸ‘‡

The Government has already changed its mind on the proposed CGT changesā€¦ sort of.Despite some headlines calling it a ā€œba...
19/06/2026

The Government has already changed its mind on the proposed CGT changesā€¦ sort of.

Despite some headlines calling it a ā€œbackflipā€, the reality is a little more nuanced.

There have been some important updates around:

- Start-ups
- Small business owners
- Testamentary trusts

But does this mean the 50% CGT discount is coming back?

Not exactly.

I break down what has actually changed, who could benefit, and what investors need to understand before making decisions based on headlines.

Video link in the comments šŸ‘‡

EOFY is almost here.And if you're waiting until July to think about tax planning, you've probably left it too late.In th...
31/05/2026

EOFY is almost here.

And if you're waiting until July to think about tax planning, you've probably left it too late.

In this video, I cover some of the key opportunities worth reviewing before 30 June, including:

- Personal deductible contributions to super
- Carry-forward concessional contributions (including the final chance to use unused 2020/21 caps)
- Government co-contributions and spouse contributions
- First Home Super Saver Scheme contributions
- Capital gains and capital loss planning
- Family trust distributions
- EOFY considerations for business owners
- Why you probably shouldn't be rushing to make changes because of the recent Federal Budget

Just remember, don't let the tax tail wag the dog.

A tax deduction is great, but only if the underlying strategy makes sense and improves your overall financial position.

The full video is linked in the comments below.

Median rent across Australia is now sitting at $650 per week.Thatā€™s over $33,000 per yearā€¦ every single yearā€¦ just to ke...
31/05/2026

Median rent across Australia is now sitting at $650 per week.

Thatā€™s over $33,000 per yearā€¦ every single yearā€¦ just to keep a roof over your head.

And it highlights something people donā€™t talk about enough when it comes to financial independence.

If you retire without owning your home, you generally need a MUCH larger asset base to sustain the same lifestyle long term.

Now some people argue: ā€œBut if you rent, you avoid taking on a massive mortgage.ā€

And thatā€™s true in theory.

But in practice? A mortgage often creates forced discipline.

Regular repayments. A structured plan. And real consequences if you fall behind.

Thereā€™s also another major factor: Leverage.

Property allows many Australians to control a large asset with a relatively small amount of upfront capital.

Over long periods, that leverage can significantly amplify wealth creation if the asset performs well.

Renting can absolutely work financially. But only if you consistently invest the difference with the same discipline as a mortgage repaymentā€¦ and often with a strategy that still creates long-term growth through leverage elsewhere.

And thatā€™s the hard part.

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Perth, WA
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