What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Plenitude Wealth

Home
Australia
Brisbane City, QLD
Plenitude Wealth

Helping 45–65 y.o. professionals turn high income & property into tax-efficient, retirement-ready wealth.

02/11/2026

A lower repayment can feel like a win. But it doesn't always mean the loan costs you less.

Extending the term may reduce the monthly repayment while increasing the total interest paid over time. And if you have multiple loans, changing one facility can also affect how the rest of your borrowing is assessed.

Before making a change, look beyond the repayment and review the rate, fees, loan term, offset, and how the debt fits together.

02/11/2026

Do you know how much tax you'll pay in retirement?

You may already have the income, property and super.
But without the right structure tying them together, you could be carrying unnecessary tax into retirement.
On our latest live webinar, Andrew walked through the five numbers every pre-retiree should know,
why $2.1M is an important number to understand in super, and how diversifying across entities, not just assets, can affect your tax position in retirement.

Comment REPLAY and we'll send you the full session.

General information only.
Please seek personalised advice before acting.
Figures current as at 29 October 2026 and subject to change.

#ʀᴇᴛɪʀᴇᴍᴇɴᴛᴘʟᴀɴɴɪɴɢ

02/11/2026

Pay off the mortgage or refinance and invest again?

There isn’t one answer that suits everyone.

You generally don’t need to clear your existing loan before refinancing. But accessing additional equity depends on lender approval and your ability to repay.

Before deciding, consider:
- Your monthly cash flow
- Your borrowing capacity
- Refinancing fees and loan terms
- Your financial safety buffer

And remember: refinancing isn’t the same as selling your property.

A straightforward refinance without changing ownership generally doesn’t trigger property CGT but it doesn’t erase future CGT either.

Save this for your next conversation with your broker and accountant.

30/10/2026

What happens to your financial plan when life changes first?

A redundancy. A separation. A parent who needs care. A retirement date that is no longer yours to choose.

Events like these don’t change one number. They change how every part of a plan fits together: cash flow, super, lending and tax.

The natural instinct is to fix the most urgent piece first. That’s understandable. It’s also how plans end up in fragments.

When something big changes, the plan needs rebuilding as one piece.

If something has changed for you this year, we’re happy to talk it through.

30/10/2026

Before comparing SMSF quotes, make sure you’re comparing the same things.

Does the price cover the fund only or additional structures too?

Our quoted $5,500 package includes establishing an SMSF and a bare trust for one property purchase.

Ask what’s included, what’s separate and what you’ll pay each year.

- Setup documents and registrations
- Accounting and independent audits
- Property-related expenses
- Lending costs where borrowing is involved

A clear cost breakdown helps you assess the full commitment.

Get in touch to confirm current pricing and discuss whether an SMSF could suit your circumstances.

29/10/2026

Most portfolios weren’t designed. They accumulated.

A property in your names. Another in the trust. Maybe a company set up for something else entirely. Each decision made sense on the day, often with a different adviser in the room.

The question isn’t whether any one of those was wrong. It’s whether anyone has looked at them together, against where you want to be in five or ten years.

Who in your world is responsible for that?

28/10/2026

Tax time shows you the result. It doesn’t always show you whether the structure behind it is still working as well as it could.

Once you lodge your return, it's a good time to review how you own investments, how you distribute income, and whether your lending and tax structures work together.

The earlier you review it, the more time you have to make informed decisions for the year ahead.

27/10/2026

A lot of families set up a family trust years ago with a company as trustee.
The company was there to do one job.

Depending on your circumstances, that existing company may be able to be used differently for future investments.
It isn’t automatic and it isn’t right for everyone.
The tax, lending and legal sides all need to be looked at together before anything changes.

If your accountant set up the trust and your broker set up the loans, it’s worth getting them into the same conversation first.

Is there a company sitting in your structure?

26/10/2026

The Budget didn't just change negative gearing.
It changed which structure makes sense for your next property.
5 things to know about investment companies, from our tax, lending, planning and property team.

Save this one for later.

Comment COMPANY and we'll send you the full replay.

General information only.
Please seek personalised advice before acting.
Figures current as at 21 October 2026 and subject to change.
Refers to measures announced in the May 2026 Federal Budget that may not yet be law.

26/10/2026

Weighing a purchase with your partner?

Agree on these before you look at a single listing.

A borrowing budget that still leaves room for the unexpected.
A shortlist backed by realistic rent, real expenses, and local research. Not the brochure.
A plan for upcoming tax payments and withdrawals.

None of these need a property in front of you. Together, all three make the next decision easier to say yes or no to.

Send this to the person you'd be buying with.

Andrew Courtney, Managing Director

Address

225 Hawken Drive
Brisbane City, QLD
4067

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.plenitudewealth.com.au/, https://linktr.ee/teamplenitudewealth

Alerts

Be the first to know and let us send you an email when Plenitude Wealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.