In this compelling case study episode, Stuart shares a real-life example that masterfully combines estate planning, tax minimisation, and portfolio management strategies. He walks through the steps taken to optimise an unexpected multi-million dollar inheritance for a client.
The pivotal move? Establishing a testamentary trust as outlined in the will, enabling the transfer of the inherited share portfolio into this strategic structure. By distributing the income and capital gains to the client's seven grandchildren, a remarkable tax-free outcome was achieved by leveraging their lower marginal rates.
Stuart's team then transitioned the concentrated Australian share portfolio to a more diversified, rules-based, and evidence-backed approach—reducing risk while still capturing impressive growth from $4 million in 2020 to $4.8 million today despite drawing income.
This case serves as a powerful testament to the compounding benefits of seeking timely advice and properly structuring assets.
Tune in for an insightful look at how professional guidance can potentially unlock substantial value, even from unexpected windfalls. Don't miss these real-world lessons!
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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.
Case Study: Property investors: know when to diversify
EP 304: What is a strategic asset allocation? Why does it matter?
Case Study: Make life easier for your loved ones
Ep 303: Melbourne property will deliver the strongest growth over the next decade
Case Study: Restructuring a share portfolio across two ownership structures
Ep 302: To what extent should you factor in an inheritance?
Case Study: SMSF are often not necessary
Ep 301: Advice for first time property buyers and their parents
Case Study: Overcapitalising isn’t necessarily a big deal
Ep 300: Is it safe to borrow to invest in shares? If so, how?
Case Study: Spending more in the first 15 years of retirement
Ep 299: 20 years of poor property growth… is the property party over?
Case Study: Rebuilding wealth post-divorce
Ep 298: Six essential considerations when upgrading your home
Ep 297: Here’s what I think about crypto
Case Study: Property decisions have major long-term consequences
Ep 296: Should you ever prioritise short-term returns?
Case Study: How personal and business advice is often inextricably intertwined
Ep 295: Should you sell an underperforming apartment? Part 2
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