Apex Advice

Directions Website

Apex Advice At Apex Advice, we help under 55s
make savvy financial decisions to
organise, grow, and spend their
money with confidence.

Cast your mind back to the May Budget.A 30% minimum tax on trust income, and no credit for that tax when money flowed to...
13/10/2026

Cast your mind back to the May Budget.

A 30% minimum tax on trust income, and no credit for that tax when money flowed to a company.

For a lot of families, the whole point of the family trust went out the window.

Well, the draft law released in September has put one door back in.

A trust can now lock in a fixed split of its income to named beneficiaries. Do that and the 30% minimum tax switches off. One of those beneficiaries can be a bucket company.

On $1 million of trust income, that's the difference between about $470,000 in tax and $300,000. Around $170,000 a year stays invested and working for you.

The catch is that it's like pouring the slab on a new house. Once the concrete sets, you're not moving the walls. And the whole thing has to be in place by 1 July 2028. Miss it and it's gone for good.

If you've got a family trust, or you run a business through one, this is worth a proper look now. Not in June 2028.

👇 READ: Trusts Are Back in the Game (But the Clock Is Ticking)
https://apexadvice.com.au/family-trust-minimum-tax-election/

Big news in the Apex camp.Amy Shay has finished her Professional Year and is now a Provisional Financial Adviser 👏The Pr...
07/10/2026

Big news in the Apex camp.

Amy Shay has finished her Professional Year and is now a Provisional Financial Adviser 👏

The Professional Year is the advice industry's version of an apprenticeship, and she's come through it with flying colours.

Provisional means she can now give advice to clients, with me looking over her shoulder and signing off on her work.

That lasts until she's got the runs on the board, and then the training wheels come off.

Why this matters more than it sounds.

Since 2019, the number of financial advisers in Australia has roughly halved.

Thousands of good advisers pulled up stumps when the rules got tougher, and not many have come through to replace them.

Fewer advisers means fewer Aussies getting help with their money, at exactly the time they need it most.

Amy is the next wave. Young, properly qualified, and in it for the right reasons. If the industry gets a few more Amys, the future of advice in this country is bright.

For you, it means another sharp set of eyes on your plan and more of the A-Team in your corner.

Congratulations Amy. Huge effort.

There is a line in the sand for investors.1 July 2027.Gains built up before 1 July 2027 keep the 50% CGT discount, whene...
06/10/2026

There is a line in the sand for investors.

1 July 2027.

Gains built up before 1 July 2027 keep the 50% CGT discount, whenever you sell. That could be next year or in 2045. The old rules stay locked in for that slice.

Behind the scenes, the tax office treats 1 July 2027 as a line in the sand. Growth on one side, old rules. Growth on the other, new rules.

You may hear this called a “deemed disposal”. On paper, the tax office treats you as if you sold everything on 1 July 2027 and bought it straight back at that day’s value. It’s a paper exercise only.

You don’t get a tax bill on the day. Nothing goes in your tax return. It sits quietly in the background until you sell, and then the two slices get worked out.

The catch is the evidence. When you do sell, you’ll need to show what the asset was worth on 1 July 2027.

👇𝗥𝗲𝗮𝗱 𝗼𝘂𝗿 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://apexadvice.com.au/new-cgt-rules-law-investors/

*General advice only. Not tax advice.

01/09/2026

Most people picture a courtroom, a judge and a fight.

Family lawyer Skye Wylde says 95% of cases never get there. The process has shifted from fighting it out to sorting it out.

Watch or listen to the full Q&A interview with Skye 👨🏻‍💻👩‍💻🎤
apexadvice.com.au/media/skye-wylde-separation-divorce/

*General advice only

25/08/2026

Separated, still living under the same roof. No legal issue with it at all, and far more common than it was 15 years ago.

Partly the cost of living. Partly parents getting better informed about what works for their kids.

Same shift is driving the nesting arrangement, where the kids stay put and the parents move back and forward instead.

Family lawyer Skye Wylde on why it's on the rise, and when it stops being a good idea.

Watch or listen to the full Q&A interview with Skye 👨🏻‍💻👩‍💻🎤
apexadvice.com.au/media/skye-wylde-separation-divorce/

*General advice only

18/08/2026

Two ways to draw a line in the sand financially in a separation. One is much harder to rub out.

A consent order goes through the court. A binding financial agreement is a private contract between you and your ex.

Family lawyer Skye Wylde on the difference, and why one of these documents is more rock solid than the other.

Watch or listen to the full Q&A interview with Skye 👨🏻‍💻👩‍💻🎤
apexadvice.com.au/media/skye-wylde-separation-divorce/

*General advice only

11/08/2026

You've split amicably. You've agreed who gets what. Nobody's fighting about anything.

So do you still need a lawyer?

Family lawyer Skye Wylde's answer is no.

And then a very important but. Because agreeing on something and making it stick are two different jobs, and the handshake version leaves the door open for years.

Her words: the best insurance premium you'll ever pay.

Watch or listen to the full Q&A interview with Skye 👨🏻‍💻👩‍💻🎤
apexadvice.com.au/media/skye-wylde-separation-divorce/

*General advice only

04/08/2026

I was at the local footy on the weekend talking to a few old mates and going through separations, and you hear a lot of myths and wives' tales about the process.

So I thought it'd be good, just rapid fire, to see if we can bust a few divorce and separation myths with Family Lawyer Skye Wylde.

Watch or listen to the full Q&A interview with Skye 👨🏻‍💻👩‍💻🎤
apexadvice.com.au/media/skye-wylde-separation-divorce/

*General advice only

Proud dad moment for John 💙He took Norah to her first-ever Carlton game and made her an official Junior Bagger.Turns out...
30/07/2026

Proud dad moment for John 💙

He took Norah to her first-ever Carlton game and made her an official Junior Bagger.

Turns out she's a good luck charm, because the Blues bagged their sixth win in a row.

Baggers are a loyal bunch, and now Norah's one for life.

We're not all Carlton fans here (the office footy tips get spicy), but we love seeing The A-teamers making memories.

29/07/2026

People assume separation means someone packs a bag.

Family lawyer Skye Wylde explains what actually counts as separation, and why the date it happened is worth pinning down in writing.

Watch or listen to the full Q&A interview with Skye 👨🏻‍💻👩‍💻🎤
apexadvice.com.au/media/skye-wylde-separation-divorce/

*General advice only

Address

3/131 Shannon Avenue
Geelong, VIC
3218

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Website

Alerts

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

Shortcuts

Share

Category