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Investopoly

Stuart Wemyss

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Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stuart Wemyss, a qualified financial advisor, accountant, tax agent, and licensed mortgage broker, delivers holistic advice. With four authored books, including "Investopoly" and "Rules of the Lending Game," Stuart shares his insights through a weekly blog, which is replicated on this podcast.
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The Holistic Accountant

Stuart Wemyss & Mena Abraham

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A holistic accountant goes beyond tax returns, aiming to offer proactive advice to maximise clients' wealth after all taxes. Stuart Wemyss and Mena Abraham explore multifaceted considerations weekly, highlighting the need for a holistic approach. Each episode is succinct and to the point with no fluff or sales pitches. For further details, check out www.prosolution.com.au.
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In this Q&A episode, Stuart explores whether his financial strategies apply broadly or mainly to wealthier Australians, responding to recent data showing few households have $2M+ in super. He explains how his goal is to equip a wide range of listeners to make better decisions, regardless of starting point, and why aiming high with financial goals c…
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Send us a text Buying or partnering with a business isn’t just a numbers game. In this comprehensive episode, Stuart and Mena unpack the often-overlooked non-financial considerations that can make or break a deal. From strategic alignment and cultural fit to customer base stability, employee morale, operational systems, and intellectual property—th…
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Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart tackles one of the most important financial planning questions: how much is enough? He shares his personal philosophy—invest just enough to meet your goals comfortably, but n…
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Register for live event on 28 May at 7pm In this Q&A episode, Stuart dives into questions around co-investing in property with family, selling to adult children, managing tax exposure, and adjusting share portfolios amid market volatility. He begins by exploring the complexities of joint property ownership among siblings, highlighting the importanc…
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Send us a text Getting profit out of your trading entity isn’t as simple as it seems—and doing it wrong could cost you. In this strategy-focused episode, Stuart and Mena dive into how to distribute profits in a way that aligns with your financial goals and keeps your tax bill as low as legally possible. They explore thresholds for personal income w…
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Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart revisits a call he made nearly five years ago—that investment-grade apartments in Melbourne were due for a growth cycle. After a long period of underperformance, the signs ar…
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Register for live event on 28 May at 7pm In this Q&A episode, Stuart explores whether it's worth holding low- or ungeared property investments when shares often offer higher returns. He explains why opportunity cost matters—but also why property’s stability, tax treatment, and long-term compounding still make it a valuable part of a diversified por…
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Send us a text An accountant’s job is more than ticking boxes—it’s about taking a 360° view of your finances. In this episode, Stuart and Mena outline what a true financial health check should include when your accountant prepares your year-end tax work. They cover business health ratios, structural reviews, profit distribution planning, personal a…
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Register for live event on 28 May at 7pm New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares practical advice for one of the most important superannuation decisions you'll make: how to invest your super once you've chosen your fund. He explains the differences…
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In this Q&A podcast episode, Stuart tackles timely questions on super contributions, property strategy, and how to structure wealth to optimise flexibility, returns, and tax outcomes—particularly as retirement nears. Jack opened the episode with a practical question about offset accounts versus redraw facilities. As he approaches retirement, he's f…
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Send us a text A Labor Party win brings a wave of policy changes—some offering opportunities, others increasing complexity for small businesses. In this timely episode, Stuart and Mena unpack the key reforms and proposals affecting entrepreneurs and business owners. From tighter labour market conditions and ATO crackdowns on trusts to the $3 millio…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the key factors to consider when owning property in your personal name. While it is the most common structure among investors, there are important decisions to make that can have a lasting impact on your…
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In this case study episode, Stuart Wemyss shares the success story of a couple who experienced a six-fold increase in their investment assets, now positioning them for a comfortable retirement. When they first sought advice in 2015, the couple, aged 54 (him) and 51 (her), had a home valued at $900k with no debt, and co-owned three investment proper…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares smart, practical steps for those who aren’t quite ready to pay for full financial advice—but still want to make smart money moves. He explains the difference between straightforward and complex financial deci…
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Send us a text Want to dramatically grow your business profits? Stuart and Mena reveal that instead of focusing on dozens of small changes, most businesses should laser in on one to three profit multipliers. They break it down into four critical areas: People, Pricing, Product, and Process—and show how mastering just one can transform your business…
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In yesterday’s Q&A podcast episode, Stuart answered a wide range of listener questions about property investing, tax strategies, and long-term financial planning. He explained options for investors whose interest-only loan terms are ending, covering whether refinancing or switching to principal and interest repayments makes more sense depending on …
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Send us a text Sudden wealth sounds like a dream—until it isn’t. In this deeply insightful episode, Stuart and Mena unpack financial decision paralysis, a common yet overlooked phenomenon that hits when wealth arrives through inheritance, a business exit, or property windfall. They go beyond the typical “overwhelm” narrative to explore identity shi…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart takes a critical look at property planning services, which promise to help you build a portfolio by mapping out your borrowing capacity, cash flow, and investment strategy—for a price tag of $4,000 to $5,000. He exp…
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In this Q&A episode, Stuart unpacks a range of nuanced financial strategies, from tax-effective investing for children to optimising debt, investment structure, and global property opportunities. He begins with Cara’s question about investing an inheritance for her children and explains the surprising tax concession available through testamentary t…
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Send us a text Effective tax planning isn’t just for big corporations — it’s an essential lever for small business success. In this power-packed episode, Stuart and Mena walk through the ultimate small business tax planning checklist to help you preserve capital, reduce liabilities, and build long-term wealth. They explore forecasting profit and ta…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart dives into the heart of the Australian share market, breaking down how a small group of stocks—the big banks and major miners—are dominating the ASX200. In 2024, just three banks (CBA, Westpac, NAB) delivered more t…
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In this Q&A episode, Stuart explores the intricacies of livevesting, a strategy that uses your primary residence as both a lifestyle asset and an investment tool. He responds to a thoughtful proposal to use the equity in a fully paid-off home to fund early retirement while still benefiting from the compounding capital growth of a high-quality prope…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell Wallace dives into one of the most talked-about debates in Australian property circles: rentvesting vs. home ownership. With housing affordability challenges in major cities, many investors are asking, is it smart…
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Send us a text As 30 June approaches, Stuart and Mena shift focus to PAYG employees and individual taxpayers, sharing key tax planning strategies that can help you save money and avoid surprises at tax time. From super contributions (including carry-forward and spousal strategies) to income protection insurance, salary packaging, home office expens…
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In this Q&A episode, Stuart tackles a diverse mix of listener questions, exploring everything from low-cost SMSF innovation to strategic debt repayment, financial reading recommendations, and smart home upgrade planning. He kicks things off by discussing how falling costs and rising tech-driven solutions have made SMSFs more accessible at lower bal…
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In this episode, Stuart discusses the recent Trump Tariffs and their potential impact on your investments. The US has raised tariffs from 2.5% to 22%, causing the US market to drop 10% over two days, with, for example, Apple losing 17% of its value - equal to one third of the value of the whole ASX - $1 trillion Australian dollars. If these tariffs…
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Send us a text Audit activity is ramping up fast. In this crucial episode, Stuart and Mena reveal the sharp rise in ATO audits they've seen in the past few months, with more cases than in their combined careers to date. If you're a business owner, investor, or employee with deductions, this is a must-listen. They break down the key audit hotspots t…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart unpacks a lesser-known strategy in property investing: using a private company to hold investment properties and how it could cut your capital gains tax (CGT) by up to 28%. While companies don’t get the 50% CGT disc…
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In this Q&A episode, Stuart explores how to make strategic decisions with lump sums, whether they come from inheritances, business opportunities, or property sales. He offers guidance to William, who’s weighing how best to use a $750,000 inheritance to build long-term wealth while balancing homeownership and market timing. Sarah, currently on mater…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the 'Investor Risk Premium', a key concept that helps you assess whether you’re being fairly rewarded for the risks you take with your investments. Traditionally used in share investing, Stuart explains …
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Send us a text Want to boost your borrowing power without compromising your long-term tax strategy? In this episode, Stuart and Mena unpack the critical tax strategies that can enhance your ability to secure loans while maintaining wealth-building goals. They dive into key tactics such as strategically increasing taxable income, delaying deductible…
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In this Q&A episode, Stuart unpacks a wide range of listener questions, from navigating complex property strategies to exploring the role of diversification in a balanced investment portfolio. He shares tailored insights with AJ on managing a high-income household, including whether to sell, develop, or hold investment properties, how to structure …
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we dive deep into the hotspotting vs. buy-and-hold debate to determine which strategy delivers better long-term wealth. 🔹 What is hotspotting? Hotspotting involves identifying areas poised for short-term price growth, ofte…
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Send us a text Traditional estate planning can be complicated, with legal disputes and tax burdens creating hurdles for beneficiaries. In this episode, Stuart and Mena explore an alternative—giving a living inheritance—and the financial strategies that make it a powerful tool for wealth transfer. They discuss how a living inheritance allows benefic…
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In this Q&A episode, Stuart dives into diverse financial topics, from tax-efficient super strategies to Melbourne's property market trends and business exit planning. He answers listener questions on the best share broking platforms, breaking down fees, accessibility, and market options. For superannuation investors, Stuart explains the tax implica…
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Send us a text What makes a great accountant invaluable to your business and finances? In this episode, Stuart and Mena go beyond compliance work to explore how a proactive accountant can save you money, reduce risks, and provide financial insights that fuel long-term success. They discuss key accounting functions, from keeping your financials up t…
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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we take a deep dive into property development as a wealth-building strategy. Using real-life case studies, we explore whether small-scale property development offers better returns than traditional buy-and-hold investing. …
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In this Q&A episode, Stuart tackles pressing financial questions on asset protection, property decisions, and short-term investment strategies. He delves into whether high-net-worth individuals should prioritise asset protection over tax efficiency and whether selling assets now to move them into a trust is worth the CGT hit. Stuart also advises on…
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