Big Oak Financial Services

Big Oak Financial Services We specialize in personal financial advice for young families, business owners, professionals & medical experts, separated couples.

We offer guidance in education funds, asset protection, insurance, retirement, investments, superfund & estate planning.0

💼 What happens to your wealth after you are gone?It is a conversation many families avoid. But with proposed trust refor...
28/05/2026

💼 What happens to your wealth after you are gone?

It is a conversation many families avoid. But with proposed trust reforms and changing estate planning rules, understanding your structure matters more than ever.

📑 Trusts
💰 Tax implications
👨‍👩‍👧 Protecting family wealth
⚖️ Making informed decisions before changes happen

The right estate structure could help protect your legacy and provide greater clarity for the next generation.

🌳 Ready to discover yours?
📞 Book a free 15-minute Discovery Call
https://calendly.com/janice-bigoakfinancial/15min

✨ No quotes. No pressure.
Just the questions that shape the rest of your financial life.

📧 [email protected]
🌳 Big Oak Financial Services

⚖️ General advice only.
Jannice Choo, Authorised Representative No. 404962
Lifespan Financial Planning
Australian Financial Services Licence 229892

Worried about the Federal Budget changes?If you already own an investment property, there may be opportunities and prote...
27/05/2026

Worried about the Federal Budget changes?

If you already own an investment property, there may be opportunities and protections available to you. Understanding the new rules early can help you make confident financial decisions for the future. 🌳✨

At Big Oaks Financial Services, we help you navigate changing legislation with clear advice, strategic planning, and personalized support every step of the way.

📅 Changes from 1 July 2027
🏡 Investment property guidance
📈 Strategic financial planning
🤝 Personalized advice tailored to your goals

👉 Book a 15-min discovery call today and plan with confidence.
📅 https://calendly.com/janice-bigoakfinancial/15min

General advice only.

🌳 Big Oaks Financial Services
Jannice Choo | AR 404962
Lifespan Financial Planning | AFSL 229892



















Most financial plans start with the wrong question."How much do you need?" "What is your risk tolerance?" "What is your ...
26/05/2026

Most financial plans start with the wrong question.

"How much do you need?"
"What is your risk tolerance?"
"What is your savings target?"

Good questions. But none of them answer the one that actually matters: Why are you building wealth in the first place?

I don't just plan your money. I help you find your ikigai; your reason for being.
The place where what you love, what you are good at, what the world needs, and what you can be paid for all meets.

Because a wealth plan that starts with your why not your number is the only one that truly works.

Ready to discover yours?
📞 Book a free 15-minute Discovery Call calendly.com/janice-bigoakfinancial/15min
No quotes, no pressure just the questions that shape the rest of your financial life.

📧 [email protected]
🌳 Big Oak Financial Services
⚖️ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.




















⏰ 5 weeks to EOFY. Time to look forward, not just back.Your accountant will help you close the year.A financial planner ...
25/05/2026

⏰ 5 weeks to EOFY. Time to look forward, not just back.

Your accountant will help you close the year.
A financial planner helps you set up the next one.

💰 Are you paying future you?
🏢 Is your structure still right?
🛡️ Would your business survive without you?
🌱 Is it building legacy or just income?

For many business owners I work with, EOFY is when we connect today's profit to tomorrow's family wealth.

If you are running on autopilot, now is the time to pause and align:
📊 Business → 🏗️ Structure → 🎯 Super → 🛡️ Insurance → 👨‍👩‍👧‍👦 Legacy

📅 Book a 15-minute EOFY strategy chats this week.
No obligation. No jargon. Just clarity before 30 June.
🔗 Link in bio or book here: calendly.com/janice-bigoakfinancial/15min

Jannice Choo | Big Oak Financial Services
AR 404962 | Lifespan Financial Planning AFSL 229892















⚠️ URGENT FOR ANYONE WITH SUPER OVER $3 MILLION — you have until 30 June 2026 to act.A significant change to superannuat...
21/05/2026

⚠️ URGENT FOR ANYONE WITH SUPER OVER $3 MILLION — you have until 30 June 2026 to act.
A significant change to superannuation taxation is now law and takes effect in just weeks.
It's called Division 296 tax and if it affects you or someone in your family, the time to get advice is right now.

Here's what's changing from 1 July 2026:
The Government is introducing an additional tax on superannuation investment earnings for people with a Total Super Balance (TSB) above $3 million.
Currently, super earnings in accumulation phase are taxed at a maximum of 15% — full stop.
From 1 July 2026:
🔴 TSB over $3 million → additional 15% tax on earnings attributable to the amount over $3M 🔴 TSB over $10 million → additional 25% tax on earnings attributable to the amount over $10M
This is in addition to the existing 15% tax — meaning the effective rate on earnings above $3M jumps to 30%.

What most people dWhat most people d 't realise yet :
There is a critical one-time opportunity available to SMSF trustees to reset the CGT cost base of fund assets before 30 June 2026.
This means capital gains that have accrued on assets held in your SMSF before June 30 can be quarantined from Division 296 calculations — but only if you act before the deadline.
This is an "all or nothing" election — you can't pick and choose which assets to reset. Which is exactly why this decision needs careful professional advice before the end of the financial year.

Who does this affect?
✅ Anyone with a TSB currently over $3M
✅ Anyone whose super balance could grow to $3M+ in the next few years
✅ SMSF trustees with long-held assets that have grown substantially in value
✅ High income earners making significant super contributions

What should you do right now?
I've written a detailed breakdown of everything you need to know about the mechanics of Division 296, who qualifies for exemptions, what strategies may be available to reduce your TSB, and the critical decisions SMSF trustees need to make before 30 June.

📖 Read the full article here → 🔗 https://bigoakfinancial.com.au/.../will-changes-to-the.../

If you're unsure whether Division 296 will impact you, or you want to understand your options before the end of financial year, I'm offering 15-minute Discovery Calls specifically to work through this with you.
📞 Book here → calendly.com/janice-bigoakfinancial/15min
📧 [email protected]
🌳 Big Oak Financial Services
⚖️ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.












⚠️ URGENT FOR ANYONE WITH SUPER OVER $3 MILLION — you have until 30 June 2026 to act.A significant change to superannuat...
21/05/2026

⚠️ URGENT FOR ANYONE WITH SUPER OVER $3 MILLION — you have until 30 June 2026 to act.

A significant change to superannuation taxation is now law and takes effect in just weeks.
It's called Division 296 tax and if it affects you or someone in your family, the time to get advice is right now.

Here's what's changing from 1 July 2026:
The Government is introducing an additional tax on superannuation investment earnings for people with a Total Super Balance (TSB) above $3 million.
Currently, super earnings in accumulation phase are taxed at a maximum of 15% — full stop.
From 1 July 2026:
🔴 TSB over $3 million → additional 15% tax on earnings attributable to the amount over $3M 🔴 TSB over $10 million → additional 25% tax on earnings attributable to the amount over $10M
This is in addition to the existing 15% tax — meaning the effective rate on earnings above $3M jumps to 30%.

What most people don't realise yet:
There is a critical one-time opportunity available to SMSF trustees to reset the CGT cost base of fund assets before 30 June 2026.

This means capital gains that have accrued on assets held in your SMSF before June 30 can be quarantined from Division 296 calculations — but only if you act before the deadline.

This is an "all or nothing" election — you can't pick and choose which assets to reset. Which is exactly why this decision needs careful professional advice before the end of the financial year.

Who does this affect?
✅ Anyone with a TSB currently over $3M
✅ Anyone whose super balance could grow to $3M+ in the next few years
✅ SMSF trustees with long-held assets that have grown substantially in value
✅ High income earners making significant super contributions

What should you do right now?
I've written a detailed breakdown of everything you need to know about the mechanics of Division 296, who qualifies for exemptions, what strategies may be available to reduce your TSB, and the critical decisions SMSF trustees need to make before 30 June.

📖 Read the full article here → 🔗 https://bigoakfinancial.com.au/latest-articles/will-changes-to-the-taxation-of-superannuation-earnings-if-you-have-a-total-super-balance-of-3-million-and-above-impact-you/

If you're unsure whether Division 296 will impact you, or you want to understand your options before the end of financial year, I'm offering 15-minute Discovery Calls specifically to work through this with you.
📞 Book here → calendly.com/janice-bigoakfinancial/15min
📧 [email protected]
🌳 Big Oak Financial Services
⚖️ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.












The 2025–26 EOFY Checklist is live. It is the exact 12-step system I use with every client earning $120k+ to lock in sav...
20/05/2026

The 2025–26 EOFY Checklist is live.
It is the exact 12-step system I use with every client earning $120k+ to lock in savings before 30 June.

What is inside:

💰 The $30k super contribution most people overlook
📊 Carry-forward cap strategies (can save $10k+ in tax)
💑 The $540 spouse super offset hiding in plain sight
📈 Division 293 tax planning for $250k+ income earners
🛡️ Insurance deductions + estate planning essentials

📥 Grab your free copy → https://bigoaksfinancial.com/home--eofy-checklist

Prefer to talk it through first?
📞 Book a free 15-min Discovery Call → https://calendly.com/janice-bigoakfinancial/15min.
I will identify the 2–3 moves that will deliver the biggest return for YOUR goals before June 30.

🌳 Big Oak Financial Services

⚖️ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.












Negative gearing isn’t what it used to be. 🏡From 1 July 2027, negative gearing on residential property will be restricte...
19/05/2026

Negative gearing isn’t what it used to be. 🏡

From 1 July 2027, negative gearing on residential property will be restricted to new builds — and established properties bought after Budget night won’t get the same tax treatment. For many investors, the old playbook is closing.

But there’s a strategy that doesn’t depend on those rules at all: debt recycling. It turns your non-deductible home loan into tax-deductible investment debt, while building a diversified portfolio along the way.

It’s not for everyone — borrowing to invest carries real risk — but for the right person it can be a powerful, tax-effective way to build wealth.

Curious whether it suits your situation?
Book a 15-min chat —https://calendly.com/janice-bigoakfinancial/15min. 💬

This information is general in nature and does not consider your personal objectives, financial situation or needs.
Seek personal financial advice before acting.

🌳 Big Oak Financial Services

⚖️ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.







7 weeks to go until 30 June. 📅I've just released the 2025–26 EOFY Checklist — the same 12-point framework I walk every $...
18/05/2026

7 weeks to go until 30 June. 📅

I've just released the 2025–26 EOFY Checklist — the same 12-point framework I walk every $120k+ client through before the financial year closes.

Inside, you'll get:

💰 The $30k super move most high earners miss
📊 Carry-forward strategies (worth $10k+ in tax)
💑 The $540 spouse offset almost no one claims
📈 Division 293 planning for $250k+ earners
🛡️ Insurance + estate moves before EOFY

📥 Download free → https://bigoaksfinancial.com/home--eofy-checklist

And if you'd rather just talk it through?
📞 Book a free 15-min Discovery Call https://calendly.com/janice-bigoakfinancial/15min.
I'll show you which 2–3 moves matter most for YOUR situation before 30 June.

🌳 Big Oak Financial Services

⚖️ General advice only.
Jannice Choo, AR No. 404962
Lifespan Financial Planning
AFSL 229892.












Investing in shares, ETFs or managed funds? The Budget's CGT changes affect you too — not just property investors. 📈Most...
17/05/2026

Investing in shares, ETFs or managed funds? The Budget's CGT changes affect you too — not just property investors. 📈

Most headlines focus on housing, but the capital gains tax reform reaches far beyond real estate.

📌 What's changing from 1 July 2027:

The 50% CGT discount for individuals, trusts and partnerships will be replaced with cost base indexation and a 30% minimum tax rate.

In plain English:

❌ The familiar 50% CGT discount (for assets held 12+ months) is being removed.

✅ Replacing it: cost base indexation (only your inflation-adjusted gain is taxed) + a 30% minimum tax on net capital gains.

✅ Grandfathering applies: Only gains arising on or after 1 July 2027 are affected. Gains accrued before that date keep the current treatment.

✅ Broad scope: This applies to shares, ETFs, managed funds, and business assets — not just residential property.

🤔 What it means for you:

📊 High-income investors may see roughly neutral outcomes once indexation is factored in.

📉 Lower-income investors who currently benefit from the 50% discount could face higher tax.

⏰ Timing matters: Long-held positions with large unrealized gains deserve strategic review before 1 July 2027.

⚠️ Remember: These are Budget announcements, not yet law — but the lead time is your planning window.

📅 Book a 15-min discovery call: https://calendly.com/janice-bigoakfinancial/15min

General advice only.

🌳 Big Oaks Financial Services
Jannice Choo | AR 404962
Lifespan Financial Planning | AFSL 229892







Small business owner? The 2026–27 Federal Budget brings some wins worth knowing about. 💼Beyond the headlines on property...
16/05/2026

Small business owner? The 2026–27 Federal Budget brings some wins worth knowing about. 💼

Beyond the headlines on property and trusts, there are real cash flow improvements for operators:

✅ $20,000 instant asset write-off — now permanent. Businesses with turnover under $10M can immediately deduct eligible assets under $20,000 from 1 July 2026.

✅ Loss carry-back returns. From 2026–27, eligible companies can offset current-year losses against prior-year profits — turning past tax paid into a refund when cash is tight.

✅ $1,000 instant work expense deduction. A new simplified deduction from 2026–27 means less admin and faster tax lodgements.

✅ PAYG flexibility. From 1 July 2027, opt in to monthly instalments or use dynamic calculations via your business software.

✅ Expanded venture capital incentives for growth-stage businesses from 1 July 2027.

⚠️ Important context: If you operate via discretionary trust, these benefits sit alongside the new 30% trust tax starting 1 July 2028. The full picture requires careful planning.

Let's review what this Budget means for your business and personal wealth strategy.

📅 Book a 15-min chat: https://calendly.com/janice-bigoakfinancial/15min

General advice only.

🌳 Big Oaks Financial Services
Jannice Choo | AR 404962
Lifespan Financial Planning | AFSL 229892







Address

Level 1, 14-16 Yarra Street
South Yarra, VIC
3141

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+61400433216

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