Plenitude Wealth

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Plenitude Wealth Helping 45–65 y.o. professionals turn high income & property into tax-efficient, retirement-ready wealth.

16/10/2026

Debt recycling and borrowing to boost your super aren’t the same thing.

Where the borrowed money goes matters.

Debt recycling generally involves replacing personal debt with borrowing used for income-producing investments.

Contributing borrowed funds to super introduces different rules.

Before considering either approach, understand:
- How the interest is treated for tax
- Super contribution limits
- When you can access your money
- What happens if investments underperform

Interest on borrowing for personal super contributions is generally not tax-deductible.

An extra step can change more than the destination of your money.

Save this for your next financial advice appointment.

15/10/2026

Your next financial conversation might need to include your mortgage.

If you’re considering a restructure, it helps to know who you can turn to with your lending questions.

We have a mortgage broker within our team, and we regularly assist clients with restructuring their finances.

From questions about offset accounts to discussing existing loan arrangements, we’re here to help you understand the options.

Want to learn more about our mortgage broking service?

Get in touch with our team.

14/10/2026

The RBA raised the cash rate on 29 September. Everyone's talking about repayments.

But if you hold two or more investment properties, the number to watch isn't the rate. It's your buffer.

How long could you carry every loan, at the new repayment, if one property sat vacant or one income paused?

If you can't answer that off the top of your head, work it out this week. It's the figure that decides whether a softer market is an opportunity or a pressure point.

Andrew Courtney, Principal Adviser

14/10/2026

In a lot of households, one person runs the money. It works until it doesn't.

When that person is no longer there, through illness, separation, or loss, the other is often left holding accounts, loans, and decisions they didn't set up and don't fully recognise.

If that's you, or someone close to you, there's no need to make big decisions straight away.

The first job is simply finding out what's there. Which accounts. Which loans. Which insurances. Who the advisers were.

And if you're the one who runs things at home, it's worth asking yourself a kind question. If you weren't here tomorrow, would the people you love know where to start?

14/10/2026

Gifting an investment property to your children doesn’t necessarily mean a tax-free transfer.

Even when no money changes hands, capital gains tax can apply using the property’s market value.

And that’s only part of the picture.

You also need to consider:
- Potential stamp duty
- Existing loans and lender approval
- Your children’s ability to manage repayments
- Legal and ownership arrangements

Passing on property takes more than changing the names on a title.

Before making a move, speak with your accountant, solicitor and lender.

Save this for your next family wealth-planning discussion.

13/10/2026

Before you start inspecting properties, know what support is available.

For our financial planning clients, that includes access to our buyer’s agency service.

One important distinction:

We don’t offer property-buying assistance as a separate, standalone service.

Access begins with being a financial planning client.

If you’re exploring a property purchase and would like to understand how we can help, send us a message.

Let’s talk about the next steps.

12/10/2026

Being mortgage-free is a milestone. Taking on debt again deserves careful thought.

Accessing equity through a loan creates a new financial commitment.

Before focusing on potential growth, ask:
- Could I manage repayments if returns fall?
- What happens if interest rates rise?
- Am I comfortable putting my home at risk?

A promising investment doesn’t automatically make borrowing the right choice.

Your goals matter. So do your cash flow, time frame and peace of mind.

Would you consider borrowing to invest, or prefer to stay debt-free? Tell us below.

A property can keep growing and still get lazy.When you first buy, a small slice of your money controls a big asset. Yea...
09/10/2026

A property can keep growing and still get lazy.

When you first buy, a small slice of your money controls a big asset.
Years later, the loan is the same but your equity is several times bigger.
Same growth, spread across far more of your money.

That's the number we unpacked at our live panel on 7 October: what your property earns on the equity in it, and when that stops beating a liquid portfolio.

Comment REPLAY and we'll send you the full session.

General information only.
Please seek personalised advice before acting.
Legislative references current as at October 2026.

09/10/2026

Discussion: How many super accounts are in your name right now? (Or across your household, if you plan as a couple.)

No judgement. Old employer funds are common, especially after a career change or a redundancy.

Before rolling anything over, it's worth checking three things. Whether there's insurance attached that you'd lose. What investment option it's sitting in. And what it costs to keep open.

Has anyone here consolidated and found something they didn't expect?

09/10/2026

Building wealth for your children is one thing. Planning the handover is another.

A family trust may support more than one generation but its lifespan isn’t one-size-fits-all.

The trust deed and applicable state or territory law matter.

So does having a clear plan for:
- Future control
- Eligible beneficiaries
- The trust’s vesting date
- Legal and tax implications

Don’t assume your current arrangements will automatically deliver your wishes.

A lasting legacy needs a plan for what happens next.

What questions would you ask about your family’s succession plan?

Address

225 Hawken Drive
Brisbane City, QLD
4067

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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