Wealth Coffee Chats

In this Wealth Coffee Chat, we unpack the real reason behind all those documents your broker requests. From boosting your borrowing power to meeting ASIC compliance, Alex from the finance team breaks down how providing more information helps you get the best loan outcome. Whether you're PAYG or self-employed, this episode clarifies how brokers turn paperwork into powerful strategy.

In this episode of Wealth Coffee Chats, Alex from Fenton Financial wraps up the 2024–25 financial year with key updates and insights. He discusses the record-breaking $10 billion sale of the LA Lakers, the U.S. decision to stop making pennies, and the 250% growth of farmland over 20 years. Looking ahead, Alex explores the superannuation guarantee rise and Division 296 tax changes, plus how to plan...

Cass Sjostedt the Property Management Group hosted a live discussion on June 25th, focusing on key questions to ask when selecting a property manager. He emphasized the importance of a comprehensive leasing strategy, thorough tenant selection processes, detailed property reporting, effective conflict resolution, proactive maintenance and repair strategies, robust risk management, and understanding...

Think you can claim your car as a tax deduction? Not so fast. In this Tax Tuesday episode, Daniel McPherson unpacks the most misunderstood and most audited deduction: vehicle expenses. Learn the difference between cents per kilometre and logbook methods, the truth about the “ute myth,” and why the ATO cares about your payload and personal use. Packed with real-life case studies and expert tips, th...

🏡 Renovate or upgrade and what builds your portfolio faster? In today’s Finance Friday episode of Wealth Coffee Chats, we unpack a real-life scenario: a client is torn between upgrading her home or renovating and keeping the old one as an investment. 💡 Here’s what we covered: ✔️ When keeping your current home actually hurts your borrowing power ✔️ How to use equity in your PPR to buy more invest...

In this special Finance Thursday episode of Wealth Coffee Chats, Senior Advisor Alex shares the most powerful last-minute superannuation strategies you can still action before EOFY. Whether it's concessional contributions, spouse top-ups, or unlocking government co-contributions for a potential 50% return, this episode is a must-watch for proactive investors. With cut-off dates looming, Alex also...

The Wealth Coffee Chat discussed the importance of strategic property management over the traditional transactional approach. Cass Shasta highlighted that 22% of investors sell after 12 months and 50% after two years, emphasizing the need for long-term wealth preservation. The new model includes a 15-year rent growth plan divided into three pillars: occupancy, tenancy, and rent growth. Key strateg...

It’s Tax Tuesday, and this Wealth Coffee Chat is all about audit-proofing your property and financial life. Daniel McPherson reveals a simple three-step system to avoid ATO audits, reduce penalties, and protect your wealth. Learn how to keep clean records, lodge on time, and stay transparent—especially if you're earning through Airbnb, crypto, or side hustles. With billions of data points collecte...

In this special Finance Friday from the Property Summit 2025, we dive deep into global equity markets and the powerful role of diversification. With the ASX hitting record highs, tariffs cooling, and global economies rebounding, where should investors focus next? Explore how markets in the US, Europe, Asia, and Australia have performed over the past 2 months, 6 months, and 5 years—and what it mean...

Many landlords choose property managers based on one question: What are your fees? But is saving two cups of coffee a week worth risking tens of thousands in damages and lost rent? In today’s Wealth Coffee Chats Property Management Edition, Cashloss dives into the most common and costly mistake landlords make when appointing a low-fee agent. Learn what detailed questions to ask, what red flags to...

As we approach June 30, understanding Division 293 tax is critical for high-income earners and property investors making super contributions. In this episode, tax advisor Anthony Wolfenden breaks down how Div 293 works, who it affects, and why capital gains from property sales could unexpectedly trigger this extra 15% tax on concessional contributions. You’ll learn how to plan your super strategy...

In this Finance Friday edition of Wealth Coffee Chats, Positive Money brokers Damien Hauser and Sarah Shown break down what every buyer needs to do after purchasing an off-the-plan property. From managing borrowing capacity to releasing equity at the right time, this episode is packed with practical steps to help you reach settlement with confidence. Learn how lifestyle changes, job moves, and eve...

In this final episode of the asset allocation series, Alex from Positive Real Estate dives into the world of alternative investments—a misunderstood yet potentially powerful part of a diversified portfolio. Learn about the role of gold, Bitcoin, private equity, and even art and collectibles in your investment strategy. Alex breaks down how these assets perform, their risks, and how they can be inc...

In this Property Management edition of Wealth Coffee Chats, we break down the findings from over 11,500 rental audits conducted in Victoria. What do the results say about minimum standards, property compliance, and the role of property managers and landlords? Host Cass Shostak shares insights on compliance trends, common failures (like mold and ventilation), and why staying ahead of these standard...

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. D...

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, an...

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 e...

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...

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...

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...

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 inc...

Can you charge more than market rent? In this episode, Cass Schost and Dean Offering break down a real investor case study from Pallara, QLD—where smart upgrades like solar, Ethernet wiring, and security tech helped push the rent $170 above market average. Learn how to increase cash flow, attract premium tenants, and shorten days on market using targeted strategies for high-demand homes. A must-wa...

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 a...

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...

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 t...