Welcome back to another episode of the 360 Money Matters Podcast!
In this episode, Billy and Andrew are joined by Ryan Finlay from Willis Partners. Together they unpack the most significant tax reform Australia has seen in 30 years, breaking down what’s coming, who’s affected, and what you need to do before July 1, 2027.
The federal budget introduced sweeping changes to capital gains tax, negative gearing, and trust distributions that will impact investors, business owners, and families planning for retirement. The government says these changes help younger Australians into housing. But the detail tells a different story—and the complexity demands action.
If you hold investment property, shares, a family business, or use trusts for wealth building, this episode reveals the real cost of these changes, the strategies that no longer work, and why getting proper advice right now could save you thousands.
Connect with Willis Partners and Ryan Finlay
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis & Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of Akumin Financial Planning – AFSL 232706
Episode Highlights
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Why the 50% CGT discount being replaced with indexation (plus a minimum 30% tax rate) hits both established investors and new buyers hard
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Grandfathering rules: your assets acquired before July 1, 2027 are protected—but only if you understand the two-tiered calculation coming
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Negative gearing reform: established residential properties acquired after budget night can no longer offset losses immediately—but new builds still can
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The small business carve-out: extended from $2M to $10M turnover, but does it actually help anyone new?
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Trust changes and the carve-out that saved testamentary trusts from becoming a “death tax”
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How the bucket company strategy is now broken, and why company structures are about to become popular again
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Historical precedent: when Australia tried this before, it lasted two years. Will 2028 bring reversal?
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The real consequence: rents will likely rise, and everyday investors will get hurt
