Pivot Wealth

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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 mon

ey 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.

02/06/2026

Properties bought after May 12 can't offset rental losses against salary from July 2027. But those losses don't disappear. They carry forward against future rental income and capital gains when you sell. For long-term investors the total tax benefit over the holding period shifts, it doesn't vanish. Make sure your post-budget property modelling accounts for this. General info only.

They skipped suburb envy.Two strong salaries. Years of treadmill. Every Saturday spent chasing a postcode that always st...
02/06/2026

They skipped suburb envy.

Two strong salaries. Years of treadmill. Every Saturday spent chasing a postcode that always stayed just out of reach.

They changed the scorecard. A first home buyer scheme nudged the door open. Stamp duty relief helped. Paperwork got done before emotions got loud so the decision didn’t.

They chose a property that worked at today’s rates, didn’t need a miracle tenant, and gave them breathing room without a renovation saga.

They kept a real buffer. Fixed part of the loan so sleep returned. Booked a twelve month review to decide hold, upgrade, or gear again based on numbers, not Instagram.

Nine months later they weren’t bragging about an address. They were planning their next move with a calmer calendar and a stronger base.

Entry first. Ego later.

02/06/2026

Ask your bank for a discharge form.

A whole retention team will probably call you back and suddenly find you a better rate. Matt got a client 0.6% off. Just by asking.

Try it.

Watch the full episode on our YouTube channel or via the link in bio or search "Mo Money podcast" on your favourite platform.

General info only, not advice.

01/06/2026

July 1 2027 is a CGT reset date. The market value of every investment asset you hold at that date becomes the cost base for future gains. Without a documented valuation the ATO applies a default that is almost always worse for the taxpayer. Valuers and accountants will be stretched in mid-2027. Starting the process now is the move.

01/06/2026

Four things expire or reset permanently on June 30...
Capital gains crystallised before June 30 use the current 50% CGT discount.
The $30,000 concessional cap closes before rising to $32,500.
The non-concessional bring-forward is $360,000 before rising to $390,000 in July.
And carry-forward super contributions from 2020-21 expire with no recovery.

This is the busiest end of financial year in a generation.

[ie. general info only, not advice]

31/05/2026

Property depreciation is a non-cash deduction that can materially change after-tax cashflow.

Two investment properties can have the same rent and costs, but very different tax outcomes depending on the depreciation schedule. If you’re analysing a rental property in Australia, don’t guess depreciation. Get a schedule, model the after-tax result, and make sure the investment stacks up on fundamentals, not just tax benefits.

30/05/2026

New builds retained the 50% CGT discount under the Budget changes. Investors can also choose between the old discount and the new indexation method at time of sale, whichever works better. Established properties bought after budget night get neither from July 2027. The tax incentive structure for property investing just changed permanently.

General info only, not advice.

30/05/2026

No pre-approval at auction means if your loan gets knocked back, you still owe the vendor the deposit.

One client overbid by $300k and had to wear it.

Get pre-approved. Know what the property is worth. Every time.

Watch the full episode in the link in bio or search "Mo Money podcast" on your favourite platform.

29/05/2026

Comment "MONEY CHAT" to learn more and have a chat.
In most high-income couples the higher earner carries most of the financial risk without realising it.

Assets in their name, tax built around their income, serviceability tied to their salary.

Investment income stacked on a $200k salary gets taxed at 47%.

A spouse on $80k has real tax rate headroom going unused every year.

The review is far more useful before a crisis than during one.

General info only, not advice.

28/05/2026

When's the best time to buy property? returns for a deep dive on the current market with a focus on commercial property investment.

Listen to the full episode in the link in bio or search "Mo Money podcast" on your favourite platform.

General info only, not advice.

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