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At Pivot we know everyone's situation is unique, but have noticed young professionals face some common challenges when it comes to money. Are you suffering from any of the following:
- You're overwhelmed with information and options ?
- You're not sure the steps you need to take to get the money and lifestyle outcomes you want?
- You're worried about making a mistake? These all lead to putting money success in the too hard basket and suffering through inaction, which means you're missing a huge opportunity to start making serious progress setting up the lifestyle you want. Pivot is a Money Management company that specialises in helping young professionals make smart money choices so they can make the most of their income and grow their savings and investments.

26/10/2026

Does renting really beat buying a home?

We gave two Australians the same monthly budget at 22 in 1983, one renting and one buying, and whoever paid less for housing each month invested the rest in shares. The buyer led through most of their forties and fifties, yet at 65 the renter finished $337k ahead and both households ended up millionaires. Rent or buy, the habit that built the wealth was investing what was left each month.

General information only, not financial advice.

25/10/2026

How the hell do we pay this?

Maddy and James upgraded the family home and sold a chunk of employer stock to cover the stamp duty, which created another tax bill on top of the one already coming. They'd seen the forecast. They knew roughly what was heading their way. They still had no idea how they were actually going to pay it. Remortgage the house? Sell everything? That's the question that finally got them in a room with an adviser.

General information only, not financial advice.

25/10/2026

$3m in super by 54 on $400k

Most couples on good incomes assume their employer's super is doing the job, and it nearly is, but each of you is leaving $8,500 of concessional cap room empty every year. For a high-income couple, salary sacrifice is one of the cheapest ways to build super, because it goes in before tax and costs you a lot less in take-home pay than it adds to your balance. Keep it maxed as the cap rises with wages and you'll get there years sooner.

General information only, not financial advice.

24/10/2026

A lot of accountants aren’t across this yet
The trust rules are complicated enough that we’re seeing good clients get patchy advice on them. Stress test whoever you’re talking to, and if the answers feel thin, get a second opinion before the July 2028 window closes. This is one decision where the cost of a second set of eyes is nothing next to the cost of getting it wrong.
General information only, not financial advice.

24/10/2026

The tax on inheriting mum and dad's super

Is there a death tax on super in Australia? When super is left to adult children, the taxable part of the balance can be taxed at up to 32% once the Medicare levy is added. With a withdrawal and recontribution strategy, retired parents take money out with no tax and put it straight back in as an after-tax contribution, so the taxable part becomes the tax-free part.

General information only, not financial advice.

24/10/2026

One Nation's 5% home loans

One Nation wants a people's bank through Australia Post offering 30-year fixed home loans at 5%. On a $1m loan that's almost $1,000 a month less than today's average variable rate. The catch is that the fund behind it would cover fewer than one in ten first home buyers for a single year.

General information only, not financial advice.

23/10/2026

Still stuck in a rut

Nada and Adrian already owned one property and were planning to buy another. Ask them where they'd be if they hadn't changed course and the answer is blunt, still in the same spot, watching prices climb and never quite knowing when to move. Adrian reckons they'd have refinanced, bought again, and walked straight into the taxation changes that landed a few months later.

General information only, not financial advice.

23/10/2026

There are no givebacks in super
Ben’s view is to aim a little under the $3 million cap rather than at it, because you can always ramp up contributions in your 50s when you’re earning the most, and you can’t take money back out if you overshoot. Siobhan’s pushback is that putting less in early costs you compounding, and she’s right. There isn’t a clean answer here, and that’s true of most super questions right now.
General information only, not financial advice.

23/10/2026

The ATO just handed business owners points
When the surcharge ban landed, the ATO said it would stop taking credit cards, then backflipped and will now take them until 30 June 2027.
If you pay BAS or instalments on a rewards card and clear it straight away, that's a year of tax payments earning points.
Clearing the balance immediately is the whole play, because card interest wipes out the points fast.
General information only, not financial advice.

23/10/2026

Australia's highest paying jobs, ranked by the ATO

Surgeons top the latest ATO taxation statistics with an average taxable income of almost $520,000, ahead of anaesthetists and internal medicine specialists. Financial dealers, psychiatrists, judges and mining engineers also make the list, with CEOs and managing directors coming in tenth. The figures are average taxable income for the 2023-24 year, which counts all of a person's income after deductions.

General information only, not financial advice.

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Sydney, NSW
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Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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+61280916881

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