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

Join the journey #investgrowrest Do MORE with your MONEY

09/09/2026

Index investing gives you diversification… but maybe not as much as you think.

Right now, the top 10 companies make up around 49% of the ASX 200, with roughly 40% of the entire index concentrated in just seven major banking and mining companies.

Over in the US, the top 10 make up around 38% of the S&P 500, with much of that concentration sitting in mega-cap tech and tech-related companies.

Index investing still has plenty going for it. But owning 200 or 500 companies doesn’t automatically mean your money is evenly diversified.

Know what you actually own.

Investing FinancialIndependence

08/09/2026

New draft legislation could leave existing family trusts with three choices from 1 July 2028:

1. Keep your discretion and accept the proposed 30% minimum tax

2. Lock in your beneficiaries and distribution percentages

3. Potentially restructure altogether

For now? There’s no point rushing into anything. The legislation is still evolving, so it’s a matter of understanding the options and seeing what changes between now and 2028.

General information only.

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.

30/06/2026

It's 1 July...

Which means Australia has unleashed another round of financial rule changes. 😅

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.

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 👇

19/06/2026

The Government has already changed its mind on the proposed CGT changes… sort of.

Despite some headlines calling it a “backflip”, 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 👇

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Perth

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Financial planner

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12/55 Howe Street, Osborne Park
Perth, WA
6017