Your Vision Financial Solutions

Your Vision Financial Solutions Our 'award winning' financial planning services provide a forensic level of attention to detail.

As one of Australia’s most respected financial planning groups, Your Vision Financial Solutions offers clients a holistic approach to personal financial planning solutions. Your Vision Financial Solutions Pty Ltd is an Authorised Representative of Fortnum Private Wealth Ltd ABN 54 139 889 535 AFSL 357306. The information contained on this page is for discussion purposes only and is not intended to

constitute financial product advice. It does not take into consideration any persons objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual before making a decision based on any information on this page.

If you’re working and have taxable income below certain thresholds, making an after‑tax contribution to super could unlo...
01/06/2026

If you’re working and have taxable income below certain thresholds, making an after‑tax contribution to super could unlock a government contribution of up to $500.

Eligibility depends on income, age and super balance, so it’s worth checking this before EOFY.

Sometimes the smallest contributions can deliver surprising value. Contact us today to learn more.

https://www.yourvisionfinancial.com.au/bookings

The 2026 Federal Budget included proposed changes to the taxation of investments, particularly around Capital Gains Tax ...
25/05/2026

The 2026 Federal Budget included proposed changes to the taxation of investments, particularly around Capital Gains Tax (CGT), negative gearing for residential property, & discretionary trusts.

While these measures are still proposals and not yet law, they may have significant implications for investors, retirees, property owners and business owners over time.

Some of the key proposed changes include:

- Replacing the current 50% CGT discount with an indexation-based approach from 1 July 2027
- Introducing a proposed minimum 30% tax rate on certain capital gains
- Restricting negative gearing benefits on some existing residential properties purchased after Budget night
- Changes to the taxation of discretionary trust distributions from 1 July 2028

Importantly, these proposed changes are broader than property alone and may also affect shares, managed funds, trusts and other investment structures depending on individual circumstances.

Periods like these can understandably create uncertainty for investors. However, reacting to headlines without fully understanding how the proposals apply to your personal situation can sometimes lead to rushed or unnecessary financial decisions.

At this stage, no immediate action may be required, but it is a good opportunity to review:

- Investment structures
- Tax efficiency strategies
- Long-term investment plans
- Estate and succession planning considerations

www.yourvisionfinancial.com.au/articles/changes-to-the-taxation-of-investments

For people approaching retirement or holding larger super balances, EOFY can be an important checkpoint. Contribution li...
22/05/2026

For people approaching retirement or holding larger super balances, EOFY can be an important checkpoint. Contribution limits, eligibility rules and upcoming tax changes mean planning ahead is more important than ever.

In some situations, strategies implemented over two financial years can improve long‑term outcomes, but the timing and how they are structured, matter.

Contact us today and let’s review your position together.
Book your complimentary call here > https://www.yourvisionfinancial.com.au/bookings

Will the Budget quietly hurt your retirement plans?Some of the proposed Budget changes could significantly impact long-t...
20/05/2026

Will the Budget quietly hurt your retirement plans?

Some of the proposed Budget changes could significantly impact long-term retirement planning strategies.

The proposed changes to Capital Gains Tax may replace the current 50% CGT discount with an indexation approach for individuals from 1 July 2027.

There is also a proposed 30% minimum tax on personal capital gains for many investors outside superannuation from 1 July 2027.

Importantly, superannuation remains largely unchanged under these proposals:
✔ Super funds still receive concessional tax treatment
✔ Pension phase may still provide 0% tax in some cases
✔ The proposed 30% minimum CGT rate does not apply inside super

This is why reviewing your retirement structure early matters.

Not because of fear.

Because strategy matters when rules evolve.

[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]

20/05/2026

🚨 WAIT. Before you panic about negative gearing changes…

There’s one important detail most investors are missing:

Proposed negative gearing changes do NOT currently impact borrowing to invest in shares.

That means strategies like:
✅ Debt recycling
✅ Borrowing to invest
✅ Geared share portfolios

may still remain available and effective for the right person.

Many people are reacting to headlines without understanding the actual detail.

Shares are not impacted under the current proposals.

This is why strategic advice matters - especially during times of uncertainty.

Before making rushed financial decisions, make sure you understand what actually applies to your situation.

If you’d like clarity around your investment strategy or debt recycling, feel free to reach out to our team. https://www.yourvisionfinancial.com.au/bookings

[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]

Periods of uncertainty often prompt many women to become more engaged in their finances.This may include:👉 Understanding...
14/05/2026

Periods of uncertainty often prompt many women to become more engaged in their finances.

This may include:
👉 Understanding investments
👉 Reviewing retirement income
👉 Planning for independence

Taking an active role can provide greater confidence during uncertain times.

Financial clarity becomes particularly valuable when markets are unpredictable.

If you are reviewing your finances, we are happy to help.

Book a complimentary call with our team today.
https://www.yourvisionfinancial.com.au/bookings

[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]

11/05/2026

Many financial challenges during uncertain times do not come from poor decisions.

They often come from delaying decisions while waiting for clarity.

With rising inflation, market volatility, and global uncertainty, it can feel easier to pause and wait for conditions to settle.

However, delaying important financial decisions may impact
👉 Retirement timelines
👉 Investment opportunities
👉 Debt management
👉 Long-term financial flexibility

A clear financial strategy helps you make thoughtful decisions, even when conditions are changing.

Planning during uncertain times is not about predicting markets.
It is about creating flexibility, managing risk, and staying aligned with your long-term goals.

In periods like these, having direction can be more valuable than waiting for certainty.
Book your free consultation today.

https://www.yourvisionfinancial.com.au/bookings

[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]

There is a common assumption that financial advice is only relevant once you have accumulated significant wealth.In real...
05/05/2026

There is a common assumption that financial advice is only relevant once you have accumulated significant wealth.

In reality, many clients seek advice while they are still building their financial position.

They are often looking for:
✅ Clarity around their finances
✅ A structured investment approach
✅ Superannuation strategies
✅ Guidance during career growth
✅ Confidence in decision-making

Seeking advice earlier allows more time to implement strategies and adjust as circumstances evolve.

Financial planning is not only about managing wealth. It is also about building it thoughtfully over time.

If you are considering whether financial advice may be helpful, we are happy to have an initial conversation.

https://www.yourvisionfinancial.com.au/bookings



[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]

We’re proud to share that Patricia Garcia, our Director and Financial Advisor has been awarded the FAAA Distinguished Se...
01/05/2026

We’re proud to share that Patricia Garcia, our Director and Financial Advisor has been awarded the FAAA Distinguished Service Award, recognising her long-standing contribution to the financial advice profession.

This recognition reflects years of involvement and leadership, from her early days as part of the AFA GenXt committee, through to serving as State Chair and National Chair for GenXt, followed by four years on the AFA Queensland Board and three years as a Board Member of the Financial Advice Association Australia (FAAA).

Her commitment has always been centred on supporting the profession, improving access to quality advice, and helping both clients and advisers build better financial futures.

While Patricia has now completed her time serving on the Board, her focus remains the same: continuing to support clients with clarity, structure and confidence in their financial decisions.









💼 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐭𝐫𝐚𝐧𝐬𝐟𝐞𝐫𝐫𝐢𝐧𝐠 𝐰𝐞𝐚𝐥𝐭𝐡 𝐰𝐢𝐭𝐡 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞, 𝐧𝐨𝐭 𝐮𝐧𝐜𝐞𝐫𝐭𝐚𝐢𝐧𝐭𝐲.With 𝐬𝐮𝐩𝐞𝐫 𝐭𝐚𝐱 𝐫𝐮𝐥𝐞𝐬 𝐮𝐧𝐝𝐞𝐫 𝐫𝐞𝐯𝐢𝐞𝐰 and 𝐭𝐫𝐮𝐬𝐭 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫...
13/11/2025

💼 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐭𝐫𝐚𝐧𝐬𝐟𝐞𝐫𝐫𝐢𝐧𝐠 𝐰𝐞𝐚𝐥𝐭𝐡 𝐰𝐢𝐭𝐡 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐜𝐞, 𝐧𝐨𝐭 𝐮𝐧𝐜𝐞𝐫𝐭𝐚𝐢𝐧𝐭𝐲.

With 𝐬𝐮𝐩𝐞𝐫 𝐭𝐚𝐱 𝐫𝐮𝐥𝐞𝐬 𝐮𝐧𝐝𝐞𝐫 𝐫𝐞𝐯𝐢𝐞𝐰 and 𝐭𝐫𝐮𝐬𝐭 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞𝐬 𝐟𝐚𝐜𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 𝐬𝐜𝐫𝐮𝐭𝐢𝐧𝐲, many high-net-worth investors are asking how to keep growing their wealth while planning effectively for the next generation.

At Your Vision Financial Solutions, we’ve seen how the right structures like 𝒊𝒏𝒗𝒆𝒔𝒕𝒎𝒆𝒏𝒕 𝒃𝒐𝒏𝒅𝒔 can bring much-needed certainty to long-term planning. They offer flexibility, control, and tax efficiency across life stages, making them a powerful tool for 𝒘𝒆𝒂𝒍𝒕𝒉 𝒕𝒓𝒂𝒏𝒔𝒇𝒆𝒓 𝒂𝒏𝒅 𝒊𝒏𝒕𝒆𝒓𝒈𝒆𝒏𝒆𝒓𝒂𝒕𝒊𝒐𝒏𝒂𝒍 𝒑𝒍𝒂𝒏𝒏𝒊𝒏𝒈.

As Australia’s wealth landscape continues to evolve, it’s not just about building wealth, it’s about protecting it and passing it on wisely.
If you’d like to explore smarter, more stable strategies for your family’s financial future, we’re here to help.

👉 [Book a confidential chat / https://www.yourvisionfinancial.com.au/bookings]



[This advice is general and does not take into account your objectives, financial situation, or needs. You should consider whether the advice is suitable for you and your personal circumstances.]

Address

2/7 Butler Street
Ascot, QLD
4007

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 4pm

Website

https://moneysmart.gov.au/financial-advice/financial-advisers-register#!

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