360 Money Matters Billy Amiridis

Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we explore deeper into the intricacies of year-end tax planning and the impending modifications in superannuation. We broke down significant adjustments like the transfer balance cap set at $1.9 million and the forthcoming increase in concessional contributions to $30,000 annually. 
Additionally, we explored the bump in after-tax contributions to $120,000, accompanied by a three-year bring-forward option. We also examined the uptick in super guarantee contributions from 11% to 11.5% and the simplification of preservation age to 60 for all individuals. We touched upon the anticipated stage three tax cuts set to take effect on July 1st. Our discussion includes the importance of seeking tailored advice to capitalize on these changes effectively. 
For deeper insights, catch the entire episode and stay tuned for ongoing financial guidance by subscribing to our podcast. Join us now!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
About superannuation changes
Changes in superannuation limits
After-tax contributions and bring forward rule 
Super guarantee contribution and preservation age
Stage three tax cuts and financial planning
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, Marcel Dybner, a Partner at Besser+Co Estate Agents in Melbourne, recounts his journey starting from a challenging rental experience that steered him towards making a positive impact. Initially focusing on sales, he entered property management before joining Dion at Besser & Co. He addresses the current property market dynamics, where increased interest rates and landlord pressures are prompting property sales.
Furthermore, the strategies for selecting attractive properties are emphasized, highlighting factors like location, livability, and future development potential. Auction insights reveal varying bidding tactics, with some opting for aggressive early bids and others strategic late entries. Notably, there's a trend towards single-level homes due to the convenience they offer to an aging population. Marcel underlines the importance of seizing investment opportunities aligned with personal goals and financial considerations amidst debt levels and economic uncertainties.
Listen to the full episode for insightful perspectives on navigating the property market and making informed investment decisions.
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
About Marcel Dybner
Overview of Besser and Co. Estate Agents
Property market trends and challenges
Factors influencing property purchases
Property development and investment strategies
Property selection based on client needs
Financial considerations and discussions on loan repayments
 
About Marcel Dybner
Marcel is a Partner at Besser+Co Estate Agents in Melbourne and has been recognised as a leader in the Real Estate industry. 
Along with his own blog, he has been published in The Age, Sydney Morning Herald, Business Insider, Smart Company, Property Observer and a host of other publications. He was most recently on the cover of Elite Agent Magazine and featured in their ‘Every Agent has a Story’ series alongside Million Dollar Listing LA (MDLLA) brothers Matt & Josh Altman. 
Property represents most people's largest single asset and handling its tenancy carries significant responsibilities. 
Marcel strives to deliver superior service through constant communication with clients, achieving excellent rental returns and the best results possible. His drive, along with his ability to communicate both with and between parties in an approachable manner, provides Marcel and his clients with a competitive market edge. 
 
Connect with Marcel:
Website | www.askmarcel.com.au
Linked In | www.linkedin.com/in/marceldybner
Instagram | @marceldybner
Twitter | @askmarcel
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we discuss asset protection strategies concerning personal and business finances. We stress the importance of segregating personal and business assets to shield against risks like creditors or business failures. Utilizing trusts, companies, superannuation for asset protection, and advising seeking professional guidance from financial advisors, lawyers, and accountants for legal compliance and tax planning. Lastly, we emphasize early planning and professional advice, noting the need for a comprehensive approach considering taxation, wealth goals, risk management, and legal compliance.
Learn essential strategies from financial professionals to protect against risks and maximize your wealth potential. Don't miss out – listen now for invaluable advice on securing your financial future!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
Importance of protecting accumulated assets
Separating business assets from personal assets for protection
Trusts and entity structures
Company structures for business
Utilizing superannuation contributions
Business protection measures
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we discuss rentvesting, a strategy where you rent your home while investing in other properties for income. This approach provides flexibility in your living situation while potentially generating returns from your investments. We discuss the tax advantages, such as mortgage interest deductions, and potential drawbacks like less security in your living situation and loss of first-time homebuyer benefits. We also touch on the need for careful cash flow management and alternatives like "own vesting." 
If you are rentvesting or planning to, listen to this episode and find out more about it. Join us for a meaningful discussion!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
About rentvesting
Exploring the benefits of rent vesting in terms of investment returns and lifestyle choices
Challenges of balancing lifestyle requirements with property investment goals
Importance of considering cash flow implications and diversifying investments beyond property
Discussion on the importance of setting a trajectory and seeking guidance for successful rent vesting
Tax implications and alternative strategies
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment.
In this episode, we discuss the latest trends in global investment markets. We examine the S&P 500's decline of 2.47% and its connection to inflation, which came in at 0.4%, while addressing the shifts in interest rate expectations and potential recession signals such as the Mel and SAHM rules. 
In Australia, the ASX 200 saw a minor decline of 0.79%, mirroring the US market, while rising inflation is outpacing income growth. There is also an increase in metals and mining, and precious metals prices, particularly gold, as a hedge against market volatility.
It is important to level-headedness during economic uncertainty and preparing for potential recessions. So seek financial advice to navigate the current climate in this episode. Join us now!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
Discussion on changes in the US stock market
Discussion about recession signals like the Mel Rule and SArm Rule
Concerns about rising unemployment and potential economic downturn.
Australian market reacting to the US market trends
Income growth challenges in Australia 
Anticipated increase in financial advice needs during economic uncertainty
Strategies for households to manage rising costs and potential recession impact
Discussion on the metals mining industry, focusing on iron ore and China's demand
Recent market trends showing signs of concern and fluctuations in money markets
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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Welcome back to another episode of the 360 Money Matters Podcast! 
In this episode, we discussed the concept of being asset-rich but cash flow-poor in the context of retirement. The accumulation of assets without sufficient income, due to tax considerations, can lead to challenges during retirement. The options presented included liquidating assets for income-producing alternatives, downsizing the family home, considering reverse mortgages, or purchasing a downsized home early. Proactive financial planning, with advice tailored to individual circumstances, is crucial. It is essential to seek personalized advice from a financial advisor, tailored to specific goals and circumstances.
This episode is packed with valuable insights and strategies, all tailored to help you navigate your financial future. Tune in and empower yourself with knowledge!
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This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706
 
Episode Highlights
The concept of being asset rich and cash flow poor
Strategies to transition from relying on personal income to generating investment income
Asset types for those in asset rich, cash flow poor situation
Importance of having a clear exit strategy
Cash flow issues 
Planning ahead and seeking personalized financial advice
 
Connect with Billy and Andrew!
360 Financial Strategists 
 
Check out our latest episode here: 
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