Q&A - Private banking, commercial property concerns, when to sell property

In this Q&A-packed episode, Stuart tackles a broad range of listener questions covering everything from starting in your 30s to optimising a $5 million property portfolio. Zach, a new parent with a $1M home and solid income, asks what to focus on over the next 5–10 years and whether topping up the offset or investing in shares makes more sense. Stuart also addresses whether Zach's discretionary trust setup is a smart long-term move. Rob asks about private banking services, what they offer, and when they’re worth it. Michael (pseudonym) walks through his detailed $5.3M property portfolio and plans to consolidate into commercial assets, asking if it’s the best way to maximise income while preserving lifestyle and flexibility.

Lucy wants guidance on timing the sale of investment properties to maximise superannuation and whether their family trust is the right vehicle for ETF investments. Blair revisits ETF portfolio structure and seeks feedback on a value-tilted SMSF strategy. Courtney and her partner, with kids on the horizon, ask where to direct their growing surplus. Finally, Stuart answers the timeless question: “If you had to start again at 18, what would you do?” This episode is packed with timeless insights for every life stage and wealth level.

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This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.