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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Stuart Wemyss Podcasts
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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Ep 156: 10 important business tips from Verne Harnish
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15:14Send us a text In this episode, Stuart and Mena unpack ten punchy lessons from Verne Harnish’s Scaling Up, plus a sharp LinkedIn distillation by Jennifer Berkowitz, and translate them for Australian SMEs. They start with the big two: why speed wins (compress decision-to-execution with short cycles, guardrails, and rapid prototypes) and why simplici…
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Ep 385: Should you fix your mortgage - If not now, when?
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38:54Read Full Blog Here In this episode, Stuart tackles the perennial question: should you fix your mortgage rate—if not now, when? He reframes “normal” using the RBA’s neutral rate (roughly 3–3.5%) and shows why today’s home loan ranges of ~5–6% (P&I) and ~5.5–6.5% (IO) are sustainable. Drawing on three decades of data, he explains why fixing has left…
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Q&A - Property-Heavy Portfolios, When to Stop Accumulating, and Choosing the Right Next Investment Move
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33:50In this Q&A, Stuart tackles six real-world dilemmas listeners are wrestling with. He opens with superannuation, weighing Hostplus High Growth vs Indexed High Growth and why fees (0.80% vs 0.04%) and an evidence-based tilt often beat glossy promises. For a Brisbane surgeon in training, he maps a “maximum optionality” plan, prioritising cash buffers,…
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EP 384: Why relying on property sales data alone could be a big mistake!
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34:38Read Full Blog Here In this episode of Investopoly, Stuart unpacks why relying solely on property sales data, no matter how comprehensive, can lead investors astray. While compound annual growth rate (CAGR) calculations are useful, Stuart explains that interpreting them without context can result in serious misjudgements. He walks through the three…
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Ep 155: When to Rethink Your Advisors- Red Flags With Your Accountant or Advisor
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13:15Send us a text In this candid episode, Stuart and Mena unpack the red flags that signal it’s time to rethink your accountant or business advisor, and what “great” should look like instead. They start with the biggest warning sign: a reactive advisor who only appears at tax time. From there, they cover a checklist of concerns, including advisors who…
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Q&A - From first-home buyers to $12m portfolios (& in between): Smart next moves at every stage of wealth
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33:45In this episode of Investopoly, Stuart dives into a diverse and thoughtful mix of listener questions, spanning early-stage investing to high-net-worth wealth structuring. He compares Hostplus High Growth vs Indexed High Growth super options, unpacking whether the significantly higher fees are worth it. Stuart also offers strategic guidance to a you…
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Ep 154: Redefining success: What does it really mean in business?
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15:42Send us a text In this thought-provoking episode of The Holistic Accountant, Stuart and Mena challenge the traditional metrics of success in business. While financial milestones like profit, revenue, and market share have long been the gold standard, the question is: Is that really enough? They explore how modern entrepreneurs are redefining succes…
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Ep 383: The new and improved $3M super cap
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33:14Read Full Blog Here In this week’s episode, Campbell tackles a variety of complex and timely superannuation and wealth-building questions, starting with the government’s revised $3 million super cap, also known as Division 296. He breaks down what’s changed, what’s stayed the same, and why the new rules are far more balanced than the initial propos…
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Q&A - Sell, Subdivide, or Supercharge? Navigating Big Money Moves
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32:46In this week’s Q&A episode of Investopoly, Stuart tackles a wide range of insightful listener questions. Julianne kicks things off by asking for Stuart’s thoughts on the Canberra property market. Shelly seeks guidance on whether to subdivide and sell land to pay down debt or wait until retirement to reduce capital gains tax. Bay raises the question…
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Ep 153: When Partnerships Fall Apart: Why Some Business Collaborations Just Don’t Work
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11:05Send us a text In this episode of The Holistic Accountant, Stuart and Mena dive into the complexities of business partnerships, why they’re formed, where they go wrong, and how to prevent them from falling apart. While many partnerships start with good intentions, complementary skills, and a shared vision, they can quickly unravel due to misaligned…
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Ep 382: Tax planning for PAYG employee – you need to think differently!
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36:02Read Full Blog Here In this episode, Stuart unpacks why PAYG employees need to approach tax planning differently and why the system is stacked against them. While company owners and investors enjoy structural advantages and deductions, employees often face limited options. Stuart explains why the two main ways for PAYG earners to reduce tax—super c…
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Q&A - Securing Your Forever Home and Building Financial Freedom
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30:42>> Register here to join the session. << In this Q&A episode, Stuart tackles a wide range of strategic questions from listeners navigating big financial decisions. Alex (pseudonym Ace) asks whether it’s smarter to upgrade to a forever home now, invest in shares and super, or pursue an investment property first. Stuart explains why securing your lon…
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Ep 152: The Synergy Effect – How Smart Integration drives business growth
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13:41Send us a text In this episode, Stuart and Mena explore the powerful concept of synergy and how strategic integration can fuel sustainable business growth. They start by demystifying what synergy really means: intentional alignment, not accidental collaboration, and why it’s essential for small businesses, even those without large teams. From align…
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Ep 381: Warning- Property investors should ignore the last 5 years of data
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30:17Read Full Blog Here In this episode, Stuart explains why property investors need to be cautious when relying on the last five years of price data. He outlines how this period has been shaped by a series of unique, disruptive events: surging construction costs, extreme interest rate movements, volatile migration patterns, and the rise of working fro…
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Q&A - Rethinking retirement, property opportunities, and financial structures
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32:47In this episode, Campbell addresses a wide range of thoughtful listener questions covering retirement planning, property strategy, superannuation structuring, and the real cost of working with brokers. “Fred” runs through a detailed retirement plan with over $5M in super, trust, and cash assets and seeks a sanity check on his 3.25% spending rate an…
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Ep 380: An evidence-based approach to constructing an investment portfolio
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33:43Read Full Blog Here In this episode, Stuart unpacks what it really means to construct an evidence-based investment portfolio and why portfolio construction is arguably the most important decision an investor can make. He explains how diversification across shares and property helps smooth returns, not because it eliminates volatility, but because i…
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Send us a text In this episode, Stuart and Mena unpack the provocative, but crucial message behind the title “Don’t Trust Your Accountant.” It’s not about questioning your accountant’s integrity, but recognising the limits of what they can (and should) do for your business. Stuart explains why business owners must take full ownership of their finan…
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Q&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of Wealth
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32:11In this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique perspective on wealth management across different life stages. Jim and his wife are considering whether to upgrade their home now, invest in ETFs, or continue expanding their portfolio through a trus…
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Ep 379: Momentum investing- Useful when investing in property or shares
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32:02Read Full Blog Here In this episode, Stuart takes a deep dive into momentum investing, what it is, how it works in theory, and whether it holds up in practice when applied to shares and property. Momentum is a factor strategy that involves buying assets that have performed strongly over the past 6–12 months. While it sounds compelling, Stuart expla…
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Ep 150: Conducting a health check of your business
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12:06Send us a text In this episode, Stuart and Mena explore why every business owner should conduct regular health checks, not just when things go wrong, but as a proactive strategy for long-term success. They break the health check process into six core areas, starting with financial health, where Mena explains how to assess profitability, cash flow s…
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Q&A - Property vs shares, selling decisions, and smart retirement strategies
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29:11In this episode, Stuart tackles one of the most frequently asked investing questions: property vs. shares, but through a sharper lens: how leverage, gearing levels, and borrowing constraints impact the comparison. Sam asks at what point property stops outperforming shares if you can't borrow 100% of the purchase price. Stuart explains the inflectio…
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Ep 378: The one, evidence-based factor that predicts property price movements
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34:05Read Full Blog Here In this data-driven episode, Stuart explores what really predicts property price movements, beyond the headlines about population growth. Using lending volume data across major Australian cities, Stuart shows why borrowing activity is one of the most reliable indicators of short-term property price trends. He compares trends in …
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Ep 149: 1%ers in business that can benefit your personal lifestyle
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6:39Send us a text In this episode, Stuart and Mena explore the lesser-known “1%ers” in business—small, smart strategies that can make a big difference to your personal lifestyle when implemented correctly. While most business owners focus solely on income, employees, and long-term value, Stuart challenges listeners to also think about how their busine…
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Q&A - Property swaps, school zones, early retirement plans, and when to let compounding do the work
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29:01In this packed Q&A episode, Stuart answers listener questions from all stages of life and wealth, covering everything from young families building momentum to seasoned investors managing multi-million-dollar portfolios. Amit asks whether to sell a newly built property in Beveridge and reinvest closer to Melbourne, like Frankston, for long-term comp…
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Ep 148: Young entrepreneurs and building wealth outside their core business
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Ep 377: Are wholesale investors offered better investment options?
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Q&A - Private banking, commercial property concerns, when to sell property
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Ep 147: Maximising your EV FBT Benefits as a business owner
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6:57Send us a text In this episode, Stuart and Mena break down one of the most generous tax perks currently available to employees and employers alike: the Fringe Benefits Tax (FBT) exemption for electric vehicles. With so few genuine “free kicks” in the tax system, understanding how to maximise this benefit is essential for anyone considering a new ca…
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Ep 376: How to Avoid the 17% Super Death Tax
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28:59Read Full Blog Here In this episode, Campbell Wallace tackles one of the most overlooked yet significant taxes in retirement planning: the 17% superannuation death benefit tax. While Australia doesn’t have a formal inheritance tax, this “sneaky tax” can quietly strip hundreds of thousands from your estate if left unmanaged, particularly when adult …
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Q&A - ETF portfolio structuring, property versus ETFs, what Stuart would do differently and more
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31:26In this Q&A episode, Stuart answers a range of insightful listener questions on wealth-building strategies through property, ETFs, and superannuation. Burt asks if he’s on track to retire by age 60, despite limited borrowing capacity and tight cash flow. Stuart unpacks the numbers and suggests possible next steps to gain traction. Blair, seeking to…
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Ep 146: Common accounting errors to avoid
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13:33Send us a text In this episode, Stuart and Mena uncover the most common accounting errors that can quietly cost business owners thousands in tax, compliance issues, or poor financial decisions. They begin by highlighting why your accountant plays a critical role as your de facto CFO, and how to spot red flags if things aren’t quite right. One of th…
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Ep 375: What is your return on borrowing capacity (RoBC)
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26:21Read Full Blog Here In this episode, Stuart introduces a powerful framework for property investors: Return on Borrowing Capacity (RoBC). With borrowing capacity often being a limited and scarce resource, Stuart explains why it’s critical to allocate it where it delivers the greatest after-tax, long-term wealth outcomes. He unpacks the concept by co…
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Q&A - How much is enough, don’t risk tax benefits, funding renovations and more
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25:56
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25:56In this episode, Stuart addresses a wide range of thoughtful listener questions, focusing on managing risk, balancing lifestyle with long-term wealth, and making informed property and investment decisions. Andrew asks whether it’s necessary to chase every spreadsheet-optimised return when he and his partner already have "enough," prompting Stuart t…
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Ep 145: Making money with small-scale property development: Risks and opportunities
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19:09Send us a text In this episode, Stuart and Mena take a deep dive into the world of small-scale property development, highlighting both the potential rewards and the very real risks involved. Off the back of recent episodes about property spruikers selling uneconomical "development sites," they clarify what genuine small-scale development looks like…
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Ep 374: Testamentary trusts and other estate planning strategies
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33:03Read Full Blog Here In this episode, Stuart delves into the practical benefits and strategic importance of including a testamentary trust in your will. He explains how testamentary trusts offer powerful advantages in terms of tax efficiency, asset protection, and long-term flexibility, especially for families with minor children or complex financia…
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Q&A - Should we buy in Melbourne, development CGT, FHB advice and more
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27:35
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27:35In this Q&A episode, Campbell Wallace answers a wide range of listener questions from first-home buyers to seasoned investors navigating tax and strategic property decisions. John, a rentvestor with a young family, asks whether buying an investment-grade property in Melbourne now, with plans to use the proceeds to reduce PPOR debt in the future, al…
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Ep 144: Sale Succession Strategy – Selling to an External Buyer
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10:36Send us a text In this follow-up episode on succession planning, Stuart and Mena explore the second path: selling your business to an external buyer. Unlike a transition strategy, this approach involves a clean break, often preferred by owners seeking speed, lifestyle change, risk reduction, or when no internal successors are available. Mena begins…
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