Financial Spectrum - Financial Planners Sydney

13/07/2026

The 2026 Budget is reshaping how investment property is taxed with the 50 per cent CGT discount to be replaced and negative gearing tightening on established homes. Here is a plain-English look at what is changing and what is worth doing before the window closes.
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The 50% CGT discount is proposed to be replaced from 1 July 2027 and negative gearing is tightening. What property investors should weigh before the window closes.

08/07/2026

Wealthy families pass down more than money — they teach financial wisdom. Discover key lessons to help empower your children’s financial future.
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Learn how wealthy families teach their kids about financial literacy and how you can build a lasting legacy with financial education.

03/07/2026

The new financial year is a great time to take control of your finances and get your money working harder for you.
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The new financial year is a great time to take control of your finances and get your money working harder for you.

26/06/2026

If your SMSF holds property, or you were planning to buy through one, the new borrowing ban changes your options. Here’s what is grandfathered, what you can still do, and the one window that matters if you are mid-purchase.

18/06/2026

A buy-sell agreement acts like a “business will”, helping business owners plan for unexpected exits and ensure smooth transitions. Learn how to set one up and why it’s essential for your business continuity.
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Learn why a buy-sell agreement is essential for business owners. Discover how to protect your business from unexpected events with expert advice from Financial Spectrum.

12/06/2026

Protect your loved ones with these key estate planning strategies, from wills and trusts to superannuation and tax minimisation.
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Key strategies for estate planning in Australia covering wills, trusts, power of attorneys, super, tax minimisation and business succession.

04/06/2026

Learn six superannuation strategies that may help reduce tax before end of financial year, including salary sacrifice, personal deductible contributions, spouse contributions and the government co-contribution.
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Learn six superannuation strategies that may help reduce tax before end of financial year, including salary sacrifice, personal deductible contributions, spouse contributions and the government co-contribution.

27/05/2026

Handbags, shoes, makeup and dogs are some of the more surprising deductions you can make at tax time. Find out what you may be able to claim.
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Handbags, dance classes and dogs are just some of the things Australians can claim a tax deduction on. Find out if you can too.

19/05/2026

Just because a bank says you can borrow a certain amount does not mean you should. This article explores the difference between borrowing capacity and true affordability, and how to make a property decision that supports the life you actually want.
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A bank’s borrowing limit is not always your real budget. Learn how to borrow with confidence while protecting your lifestyle and future goals.

12/05/2026

Last night's federal budget was the most significant shift in investment tax in roughly thirty years.

The 50% CGT discount is being abolished from 1 July 2027. Negative gearing on established residential property was restricted from last night. A 30% minimum tax will apply to discretionary trust distributions from 2028. Super, notably, is untouched.

For households with investment properties, share portfolios with meaningful unrealised gains, or assets held in family trusts, the 18 months between now and 1 July 2027 is a genuine planning window. Used well, it can mean a materially better outcome. Left untouched, a materially worse one.

Financial Spectrum's Managing Director Brenton Tong has written a plain-English walk-through of what has changed, what is grandfathered, and where the real planning decisions sit.

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The 2026-27 federal budget reshapes CGT, negative gearing and trust taxation. A plain-English walk-through of what it means for your money.