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At Pivot we know everyone's situation is unique, but have noticed young professionals face some common challenges when it comes to money. Are you suffering from any of the following:
- You're overwhelmed with information and options ?
- You're not sure the steps you need to take to get the money and lifestyle outcomes you want?
- You're worried about making a mistake? These all lead to putting money success in the too hard basket and suffering through inaction, which means you're missing a huge opportunity to start making serious progress setting up the lifestyle you want. Pivot is a Money Management company that specialises in helping young professionals make smart money choices so they can make the most of their income and grow their savings and investments.

18/10/2026

Most people walk into a separation without knowing their own numbers.

In nearly every couple, one person runs the money. When it ends, the other one often has no real idea what they need to live on, now or in twenty years, and you cannot make a single good decision without that number. The second mistake is fighting for the wrong assets. People dig in on the family home or the cash and wave through the super, when the super is often the thing that actually builds the nest egg. And the home that worked for a family of four might be completely wrong for you now. Win the argument, lose the retirement.

General information only, not financial advice.

18/10/2026

Four things to get right before the settlement is done.

Know your numbers, so you know what you actually need. Get smart with tax, because that frees up cash without saving harder or sacrificing more than you already are. Get the home right, the right size and the right value for where you are now rather than where you were. And then take a breath. Step back, look at it from both sides, and give yourself the chance to make these decisions with a clear head instead of in the middle of the worst of it.

General information only, not financial advice.

17/10/2026

Joint accounts don't care that you've separated.

Every dollar racked up on a shared credit card after you split is still a dollar you are liable for. So close the joint accounts, close the joint cards, and move the liabilities into the right name as per your separation agreement. Do it early rather than when things get messy. You get clean lines on who owes what, and for the first time you get a clear read on your actual position, which is the thing every other decision depends on.

General information only, not financial advice.

17/10/2026

The real cost of owning a $5m home

Is it cheaper to rent or buy at the top end of the market? Once you count the mortgage interest, rates, insurance and upkeep, owning a home in this bracket can cost around $250,000 a year more than renting the same place. Whether the renter comes out ahead over the long run depends on investing that difference every year, so these are the numbers to run before you buy.

General information only, not financial advice.

17/10/2026

The sell order that cost $20,000

James lodged a sell order on his employer shares and by the time it filled the price had moved, costing them the best part of twenty thousand dollars overnight. He blames the trade wars and thanks Donald Trump for it. His conclusion is that there is never a right moment, so set the rule and stop watching.

General information only, not financial advice.

16/10/2026

You can't just pull money out of super to even things up. That doesn't mean it's stuck.

Say one of you has $300,000 in super and the other has $100,000. There are two ways that gap gets closed. A court can order a super split as part of the settlement, which moves the balance across directly. Or, if you receive money in cash through the settlement, you can make an after-tax contribution into your own super, which isn't taxed on the way in, and equalise the balances that way. Two different paths, and which one fits depends on the rest of the deal.

General information only, not financial advice.

16/10/2026

Separating at 45 isn't the same as separating at 25.

Two people who used to run one household now run two, and everything costs more than it did the day before. But the harder part is the runway. Splitting later in life means fewer working years left to rebuild what just got halved, so the window to fix it is a lot shorter than most people realise. If you're in this, the worst move is waiting until the paperwork is done before you start thinking about the money.

General information only, not financial advice.

16/10/2026

One Nation's $34k CGT policy, explained

One Nation says it completely opposes the CGT changes that start in July next year, which means keeping the 50% capital gains discount instead of indexing what you paid to inflation. On a $1m investment property held for six years, keeping the discount would be worth about $34,000 at the top tax rate, because property growth usually runs well ahead of inflation.

General information only, not financial advice.

16/10/2026

What an investment company actually costs
Setting one up runs $750 to $1,500 and the tax return is another $1,500 to $2,000 a year at the bare minimum. On the $20,000 dividend example that’s already $5,000 a year better off, so the company pays for itself, and if the plan is replacing your salary the income ends up in the hundreds of thousands.
General information only, not financial advice.

15/10/2026

$830k behind for paying off the mortgage

Is paying off your mortgage early the smartest money move in your 30s? Every extra dollar you put in only earns your interest rate, so for a couple in their mid 30s with $3,000 a month spare, clearing the loan came last of the five options I ran out to age 60. The one that lets them keep their parents' rule is debt recycling, where the spare cash still goes into the home loan and then gets redrawn into a separate loan split to buy shares, which makes the interest tax deductible.

General information only, not financial advice.

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