Wealth Coffee Chats

Tax Tuesday is here, and this Wealth Coffee Chat is packed with critical strategies you can still implement before June 30 to dramatically reduce your tax bill. Whether you're a business owner, property investor, or PAYG employee, this episode breaks down proactive tax planning tactics—from instant asset write-offs and superannuation contributions to prepaying expenses and claiming depreciation. Don't leave money on the table—take control of your financial future while there's still time!

In this Finance Friday edition of Wealth Coffee Chats, we unpack how a simple repayment strategy could save you over $61,000 in interest and shave years off your home loan. Discover the power of maintaining current repayment levels after a rate drop, why banks don't always adjust your minimum repayments, and how brokers calculate your true borrowing capacity. With insights into HEMs, budgeting, and lender conversations, this episode equips you with practical tools to take control of your property finance journey. Don't forget—Positive's Property Summit is just around the corner!

In today's Wealth Coffee Chat, Alex breaks down the dynamic world of equities—also known as shares—and why they're considered the most active asset class in your portfolio. From global diversification and blue-chip stocks to index funds and franking credits, discover how this high-risk, high-reward asset class can fast-track your wealth-building journey. Learn the key distinctions between direct equities, managed funds, and the hidden exposures within your super fund. Whether you're a seasoned investor or just starting out, this episode helps demystify one of the most talked-about investment vehicles in today's market.

In this special Property Management edition of Wealth Coffee Chats, Cass Shostak explores a concerning trend—22% of property investors are selling within just 12 months. What's causing this rapid turnover, and what can you do to avoid it? Cass breaks down the real costs of selling too soon, the long-term benefits of holding, and how tightening vacancy rates and rental returns play into the bigger picture. Plus, find out how the upcoming Property Summit could help you stay in the game and build lasting wealth.

On this episode of Wealth Coffee Chats, we deep-dive into the pros and cons of using a Self-Managed Super Fund (SMSF) to invest in property, shares, and cryptocurrency. Discover how to structure your SMSF to minimise costs and maximise long-term returns, and learn why loan management is the secret to supercharging your wealth inside Super. Whether you're a business owner eyeing commercial property or an investor weighing crypto versus shares, this episode breaks it all down. Get smarter with your SMSF strategy—your future self will thank you.

In this Finance Friday edition of Wealth Coffee Chats, we dive into what the latest 0.25% interest rate cut means for investors and homeowners—and how to use it to your advantage. Learn how to review your current mortgage, calculate available equity, and prepare to access funds for your next property purchase. With lender tactics, broker negotiation tips, and simple formulas to estimate borrowing capacity, this episode equips you with the practical tools to act confidently in today's shifting market. Plus, we spotlight the upcoming Property Summit and why it's a must-attend.

Property might be Australia's biggest asset class, but did you know it's often underrepresented in your superannuation portfolio? In this episode of Wealth Coffee Chats, Alex dives deep into the true role of residential and commercial property in long-term wealth strategy. Learn how property compares to other asset classes, why it's not as liquid as you might think, and how it fits within your income and retirement goals. A must-watch for any investor aiming for balance and performance in their portfolio.

Thinking about subdividing or building out the back of your property? Before you grab the shovel, tune in to this Tax Tuesday episode where Daniel McPherson explains the hidden risks in backyard developments. From finance pitfalls and GST to losing your main residence exemption, this session breaks down why these “mum and dad” projects require serious planning. Learn how to avoid costly mistakes and unlock your equity the smart way.

With fixed interest rates dropping and lenders offering better deals to new clients, now is a prime time to renegotiate your mortgage. In this episode of Wealth Coffee Chats, we explore how to secure a better rate, the power of discharge forms, and why reviewing your loan structure annually is critical—especially for investors scaling their portfolios. Learn actionable finance tips to protect your cash flow and set yourself up for the next property purchase.

Fixed interest investments like bonds and term deposits are often overlooked—but they play a powerful role in protecting and stabilising your portfolio. In today's Wealth Coffee Chat, our resident financial planner breaks down what fixed interest really is, how it works, and why it matters in 2025. Learn about government vs corporate bonds, how interest rate changes impact capital value, and how this underrated asset class complements your wealth-building strategy.

Only 45% of Australian property investors have adequate landlord insurance—are you one of them? In this Wealth Coffee Chat, Cash Schost dives into a recent real-world scenario that highlights why every investor must understand the fine print of their insurance policy. Learn what's covered (and what's not), key updates from top providers like Terri Scheer, and how to avoid costly mistakes when managing tenants, pets, rent arrears, and storm damage.

Thinking about starting a Self Managed Super Fund (SMSF)? In today's Wealth Coffee Chat, financial advisor Anthony Wolfenden kicks off a brand-new series demystifying SMSFs. He unpacks what they are, who they're for, why they've exploded in popularity, and the key compliance rules every investor must understand. From tax advantages to potential pitfalls, this episode sets the foundation for strategic retirement investing in 2025.

What's the real reason behind your property investing journey? In today's Wealth Coffee Chat, we dig into the deeper “why” behind wealth creation—from passive income and early retirement to legacy planning for your kids. Jason unpacks the long game of property investing, reminding us that it's not just about building wealth—but also about living a long, healthy, and fulfilling life. Plus, hear about special guest Marcus Pearce and why health is your most undervalued investment strategy. Ready to rethink your wealth goals?

Labours is in power whIn this episode of Wealth Coffee Chats, we break down the latest government housing initiatives and what they mean for both new and existing property owners. Discover how changes to the Home Guarantee Scheme, the Help to Buy program, and battery rebates could impact your strategy. We also discuss the implications of anticipated interest rate cuts on lending power and property affordability. Whether you're buying your first home, investing with friends, or planning your next move, now's the time to prepare with your broker and the Positive Six Star Team.at this may mean for first home buyers and current home owners

3 Taxes to Keep an eye on under the current Government.

As the end of financial year (EOFY) approaches, it's easy to fall into the trap of deduction-driven spending—but is it really saving you money? In today's Wealth Coffee Chat, Daniel McPherson unpacks “deduction-itis,” the dangerous mindset that leads investors and business owners to waste cash under the guise of tax savings. From flashy car purchases to overpriced tech, we explore real-life examples, smarter strategies, and how to keep your wealth on track. Discover EOFY tax tips, compliance pitfalls, and why your cash flow matters more than deductions.

In this episode of Wealth Coffee Chats, Daniel McPherson dives into practical strategies for mastering cash flow—one of the most critical drivers of long-term financial success. Whether you're a small business owner or a leveraged property investor, you'll learn how to optimise income, manage expenses, and avoid common pitfalls that can lead to insolvency. Discover how to forecast effectively, create financial buffers, and structure smarter cash flow systems in today's volatile economy.

In today's Wealth Coffee Chat, Jason Whitton is joined by Andy Fenton to unpack whether the upcoming election will genuinely affect property investors in Australia. With both major parties sitting on the fence, the conversation dives into real concerns around negative gearing, capital gains tax, and the staggering lack of supply-side solutions. Jason and Andy also expose how foreign investment incentives are sidelining Aussie investors and why policy changes often do more harm than good. Plus, learn how to future-proof your wealth strategy—regardless of who wins power.

In today's Wealth Coffee Chat, Senior Financial Adviser Alex dives into the only thing investors can truly control—asset allocation. Using Tesla's surprising stock rally after poor earnings as a real-world example, Alex unpacks how market logic can defy investor expectations and why a diversified portfolio is essential. Whether you're all-in on property or new to investing, learn how to protect and grow your wealth through smart asset choices. Let's Wealth Coffee Chat!

In today's episode of Wealth Coffee Chats, Cass unpacks the remarkable capital and rental growth seen in Brisbane's Chermside since 2022—specifically for investors who purchased during the COVID era. Discover how values have surged by up to $250K and rents climbed as much as $200 per week in just a few years. Cass also shares essential insights on the importance of strategic holding, market timing, and staying aligned with your investment plan. Whether you're holding or thinking about selling, this episode is your wake-up call to check in with your Six Star Team. Let's Wealth Coffee Chat!