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.

25/06/2026

Tips for tax time. Clip from 's chat on the Morning Show, full interview on YouTube (link in our bio)

25/06/2026

ANZ has cut maximum investor borrowing capacity by 20% following the budget changes. On a $200k income that's roughly $240,000 less available for an investment property, based on a 6x income serviceability multiple. Three of the four major banks have now repriced investor serviceability since May 12. If you were planning a purchase in the next 12 to 24 months, get a new borrowing capacity assessment. The April number is no longer valid. General info only, not advice.

24/06/2026

You already own the AI boom you're chasing

Wall Street has swapped the Magnificent Seven for MANGOS, a new basket built around AI companies, and it is engineered to make you feel like you are missing the boom. Having watched plenty of people chase hot stories, the irony is that if you hold a global shares fund or international super you already own the public names driving it, with the biggest AI stocks now around 40% of the main US index. The hyped private ones, Anthropic and OpenAI, you can't even buy yet, so the smart move is knowing what you already hold rather than overpaying to chase the rest.

General info only, not financial advice.

24/06/2026

She's watched people earn serious money and still not build wealth. Jess Brady says the problem isn't income. It's the belief system underneath it. And for a lot of women, that belief system was built before they were even old enough to understand money.

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

24/06/2026

Super just became the best tax deal going

After the budget, nearly every way to invest in your own name got more expensive, but super didn't. Having sat across the table from thousands of people, I can tell you the same monthly amount can finish around $400,000 ahead just for sitting inside super instead of your own name. The catch is the rules keep tightening, so make super the core of your plan, not the whole thing.

General information only, not financial advice.

23/06/2026

Comment "Money Chat" to talk with us about your situation. What should you do with a big pay rise in Australia? Restructure your banking before lifestyle creep starts, then convert the surplus into deductible debt and income-producing assets.

Her income more than doubled overnight. Most people would have nothing to show for it in two years.
The strange thing about a big pay jump is how quickly it disappears. The mortgage feels easier, the spending loosens, a renovation happens, and somehow you're saving the same amount you were on half the income. They caught the jump before that happened.
Total year one upside $67k after advice costs. Over 20 years, projected at $2.9m.

General info only, not advice.

23/06/2026

A super tax deduction is about to disappear

If your total super balance is under $500,000 and you didn't use your full concessional cap back in 2020-21, you've been able to carry that unused space forward and claim it as a deduction ever since. After 30 June that leftover amount expires for good, taking a tax deduction worth thousands with it. It's one of the most valuable catch-up super contribution deductions going, and most high earners who qualify let it quietly disappear.

General information only, not financial advice.

23/06/2026

Albo just killed the death tax

The scare was a 30% tax creeping in on money passed down through a testamentary trust and last week it got pulled. Having sat across the table from thousands of families, I can tell you the trust itself is the quiet winner: set up inside your will, it lets each child be taxed on what they inherit at normal adult rates, so the first $18,200 they earn from it each year is tax-free instead of getting smashed at penalty rates. That's real money staying in the family, every single year.

General info only, not financial advice.

Think you need more money before you get advice?This client thought the same.Talking about money felt stressful and inti...
22/06/2026

Think you need more money before you get advice?

This client thought the same.
Talking about money felt stressful and intimidating, so they kept putting it off and tried to figure it out on their own.

What they found instead was the exact opposite of what they expected.

âś… A calm, structured process that actually felt easy to follow
âś… Clear explanations at every step, so they understood the why, not just the what
âś… Advice tailored to their situation, not some generic template

The biggest shift
They stopped reacting to whatever bill or decision was in front of them
and started thinking about their finances strategically.

Now they feel more confident, better equipped to make decisions, and a lot less intimidated by the whole idea of “money stuff”.

You do not need loads of knowledge, money or assets to justify getting proper advice.
Getting support earlier is often the thing that helps you build all of that in the first place.

22/06/2026

A viral chart claims shares beat property over 145 years based on the JordĂ  dataset. Australian shares 7.81% real, property 6.37% real. But nobody buys property with cash. At 80% leverage a 6.37% asset return becomes over 30% return on your equity. The study didn't measure what leveraged property investors actually experience.
General information only, not advice.

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