Stuart Wemyss, Author at Prosolution Private Office

Wealth First Principles # 4: Cash flow and debt management: The hidden engine of wealth

13/01/2026 by Stuart Wemyss

When people think about building wealth, the focus usually turns immediately to investment strategies. Which shares to buy? Should I purchase another property? Is now the right time to invest? These questions dominate the conversation. Yet the most important contributor to long-term financial success is not investment selection. It is cash flow and debt management. The way you earn, spend, save, and …

Wealth First Principles # 3: Share market investing – How to build a portfolio that works

05/01/2026 by Stuart Wemyss

This is the third instalment in a four-part Wealth First Principles series. The first two blogs examined how wealth is genuinely created and the role of property. Shares serve a fundamentally different purpose within a portfolio. They provide liquidity, diversification, reliable income with minimal costs, and access to global growth themes that property simply cannot deliver. But investors …

Wealth First Principles #2: A step-by-step strategy to invest in property

25/01/202622/12/2025 by Stuart Wemyss

Investing in residential property is a common goal for many investors. It is a familiar asset class, it is tangible, and many Australians have built a lot of wealth investing in property. The problem is that most investors approach property without a framework. They focus on what they can afford, or what a colleague recently bought, or what they hear …

Wealth First Principles # 1: Understand how wealth is actually built

25/01/202622/12/2025 by Stuart Wemyss

Towards the end of each year, many people start thinking about their financial position and what they want to improve in the year ahead. It is a natural time to step back and take stock. The problem is that most people focus on tactics – the next investment idea, a new budgeting app, a different …

When should you be a value-add property investor?

16/12/202516/12/2025 by Stuart Wemyss

Many aspiring property investors run into the same issue: limited budget. That usually forces a choice between buying a larger home in a lower-quality location, or accepting a smaller dwelling, such as an apartment or villa unit, in a blue-chip suburb. First-time buyers confront this trade-off more than anyone because their financial capacity tends to be tighter. …

Which is better: REIT or direct property?

09/12/202509/12/2025 by Stuart Wemyss

For most of my career, I have viewed listed property trusts and direct residential property as fundamentally different investments – not substitutes. But once interest rates fell below long-term averages after 2012, many advisers and investors began using REITs as a convenient income substitute: liquid, diversified, and yielding more than term deposits or bonds. That worked for a while, but the …

Should you fix your mortgage rate? If not now, when?

02/12/2025 by Stuart Wemyss

Every time interest rates move up or down, we are asked the same question: “Should I fix my mortgage rate?” It’s a fair question – especially after the rollercoaster of recent years. Many borrowers are still feeling the sting of higher repayments and are tempted to lock in some certainty. But as with most financial decisions, the best answer is not based …

Why relying on property sales data alone could be a big mistake!

25/11/202525/11/2025 by Stuart Wemyss

There’s more property data available to investors today than ever before, much of it free, and it can significantly improve investment decision making. Analysing how a property’s value has changed over time (i.e. its compound annual growth rate across multiple decades) and comparing it to comparable properties in close proximity, is an essential part of investment due diligence. However, it’s equally important not to become too data driven. …

The new and improved $3 million super cap

18/11/2025 by Stuart Wemyss

After the resounding win at the federal election in May 2025, Prime Minister Anthony Albanese and Treasurer Jim Chalmers have been determined to pass changes to the taxation of large super funds in Australia, known as the “$3 million super cap” or more technically Division 296. Whilst we have been monitoring the developments this year and thinking ahead, ultimately, we have been advising our …

Why PAYG employees should think about tax planning differently

10/11/2025 by Stuart Wemyss

If you are a PAYG employee, you probably feel like you are paying more than your fair share of tax, and you are not wrong! The system is not built in your favour. One of the most common questions we get from PAYG earners is: “What can I do to legally reduce the amount of tax I pay?” This blog answers that question. Why is the …

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