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No. James provides the financial framework, tax structuring, and debt strategy. He coordinates with your buyers’ advocates or agents but remains independent of the actual property transaction to ensure his advice is purely focused on your financial strategy.
James develops an exit strategy for your debt. This may involve selling a portion of your portfolio to clear remaining mortgages or using superannuation lump sums to extinguish debt, ensuring your retirement income is not consumed by interest payments.
By reviewing the entities that own your properties—such as individuals, trusts, or companies—James can identify if you are effectively utilising available land tax thresholds and suggest structural changes to reduce your total annual tax liability.
This depends on your timeframe and tax bracket. Property inside an SMSF can eventually be sold tax-free in the pension phase, but it comes with stricter borrowing rules and higher compliance costs. James provides a comparative analysis to determine the most cost-effective structure for your goals.
Yes, through a process called debt recycling. James helps you restructure your home loan to access equity for investment purposes, turning a portion of your personal interest payments into tax-deductible investment expenses.