Yield Financial Planning

02/09/2026

A proposed 30% minimum tax on discretionary trusts has put testamentary trusts firmly back on the estate-planning agenda. 🔎💸

The important update? Genuine testamentary trusts funded by assets from a deceased estate are set to be exempt, but that does not make a testamentary trust an automatic answer for every family.

This blog unpacks what the proposed changes mean, how testamentary trusts are taxed, and why their real value can extend far beyond tax, helping create more flexibility, protection and clarity around the wealth you leave behind.

A good estate plan is not just about who receives your wealth. It is about how it continues to support them for generations to come.

Read the full blog: https://yieldfinancialplanning.com.au/how-does-a-testamentary-trust-work-in-your-financial-plan/

31/08/2026

Today we’re celebrating Dan’s 13‑year anniversary with Yield! 🥳 🎉 A journey that’s seen him grow from a key support in our advice process to our Client Experience Manager, with an influence on almost every part of how we look after clients.

Dan, you’re the person so many of us turn to when something needs to be made clearer, smarter or more client‑friendly. You spot issues early, ask the right questions, and always look for a better way to do things, not for recognition, but because you genuinely care about the outcome.

Thank you for the depth of thinking you bring to your work, the way you support the team behind the scenes, and the steady presence you’ve been for clients and colleagues alike.

Here’s to 13 years of Dan at Yield, and to the next chapter together.

Learn more about Dan: https://yieldfinancialplanning.com.au/team/daniel-dutt/

25/08/2026

⭐️ Testimonial Tuesday ⭐️

Nothing beats hearing that a home loan journey felt easy and stress‑free from start to finish.

Big thanks to this client for sharing their experience with Frank. His focus is always on clear communication, regular updates and keeping everything on track behind the scenes, so you can move from “application” to “approved” without the overwhelm.

If you’re looking for a broker who combines deep lending knowledge with genuine care, our finance team is here to help you navigate your next purchase or refinance with confidence.

See how we've helped others on their important journey: https://bit.ly/yfpreviews

12/08/2026

Adding an adult child to your SMSF can look like a simple way to share costs and “keep it in the family”. But in reality, you’re also sharing control, risk and responsibility.

In our latest “From the Advice Desk” article, we unpack why families consider bringing children into an SMSF (succession planning, education, a larger investment pool) and the less-talked‑about downsides, like conflicting investment goals, reduced privacy, relationship breakdowns and the practical challenges if someone later wants to leave the fund.

If this is something you’ve been thinking about, it’s worth looking beyond short‑term cost savings and asking whether your family’s goals, timeframes and expectations are genuinely aligned – and whether the fund is set up with the right structures and estate planning in place.

Read the full article: https://yieldfinancialplanning.com.au/should-you-add-your-child-to-your-smsf/

Thinking of adding your child to your SMSF? Learn the advantages, risks and what to consider before bringing a family member into your fund.

10/08/2026

As rules evolve, your strategy should as well. With the LRBA ban for residential property now locked in and starting from today, SMSF trustees who have relied on property as part of their retirement plan need to understand what actually changes – and what still works.

In this short video, David (one of our senior SMSF advisers) explains:
✅ What the new legislation does and doesn’t stop you from doing
✅ How existing residential LRBAs are treated under the grandfathering rules
✅ The key differences between borrowing for residential vs commercial property
✅ Why SMSFs can still be a powerful structure for building retirement wealth, even without new residential LRBAs
✅ If property has been a core part of your SMSF strategy, this is a good moment to pause, get clear on the new landscape and sense‑check your plan rather than reacting to headlines.

Learn more: https://www.youtube.com/watch?v=kL7LvGtrwuA

05/08/2026

Every new financial year brings rule changes, but 1 July 2026 is a big one. From tax cuts and higher super caps to Division 296, Payday Super and updated Age Pension thresholds, there’s something in this year’s updates for almost everyone.

In this recent blog, we unpack the key changes in a simple terms and explain what they could mean for your tax position, super contributions, business cash flow and retirement income.

If you haven’t reviewed your strategy since the new rules took effect, now’s a good time to make sure you’re making the most of FY27, not just reacting to headlines.

Read the full blog: https://yieldfinancialplanning.com.au/financial-changes-1-july-2026/

04/08/2026

⭐️ Testimonial Tuesday ⭐️

Buying or refinancing a home is a big decision, and the process can easily feel confusing or drawn out. That’s why it’s so meaningful to hear when a client feels informed at each step, has their questions answered clearly, and gets timely updates rather than chasing them.

Experiences like this are a reminder that good lending advice isn’t just about the final approval, it’s about feeling supported and confident all the way through.

Discover how we've helped others on their important journey: https://bit.ly/yfpreviews

29/07/2026

Congratulations Jarrod on celebrating your 7th work anniversary here at Yield! 🎉 🍻

Since joining the team, Jarrod has celebrated wins big and small and has become an integral part of the advice team, valued by both clients and colleagues.

His consistency, curiosity and commitment to doing the right thing by clients have helped shape how advice is delivered at Yield.

As a team, we're thankful for the culture he helps set inside the advice team and the stability he brings to long‑term client relationships. Cheers to the years ahead and celebrating more milestones together.

Learn more about Jarrod: https://yieldfinancialplanning.com.au/team/jarrod-ferrier/

28/07/2026

⭐️ Testimonial Tuesday ⭐️

Retirement planning isn't a set-and-forget exercise, and it's normal for your goals and circumstances to shift over time.

Having someone regularly step through your full financial position, explain the trade-offs, and help you adjust your plan means you're not just hoping things work out, you understand why you're on track, and will be able to fine-tune your plan in the year ahead.

Discover how we've helped others on their important journey: https://bit.ly/yfpreviews

24/07/2026

Recently, Frank celebrated 2 years since joining the Yield team! 🥳 📣

Frank, thank you for the care you show our clients, the thoroughness of your work, and the steady perspective you bring to the team every day.

He’s become a go‑to support for clients working through everything from first‑home purchases to complex refinancing and restructuring, bringing deep lending experience and a calm, methodical approach to each scenario.

We’re grateful to have him as part of our team and look forward to the years ahead.



Learn more about Frank: https://yieldfinancialplanning.com.au/team/frank-musker/