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What is a ‘Gift and Loan Back’

The ‘gift and loan back’ approach involves the owner of an asset gifting their equity in the property to a family trust (or low risk spouse).   The family trust then lends an amount of money to the owner and takes a secured mortgage over the property.   How does...

Succession or Exit Planning

Whether you plan for it or not, one day you will leave your business.   A succession, or exit plan outlines who will take over your business when you (or a business partner) leaves.  Having a plan means that you can decide when and how you leave and what will...

Pre-retirement Pensions – a case study

David earns $50,000 per year as salary and has accumulated $300,000 in super. Now he’s reached the age of 55 and he’s started to think about his retirement plans.   On one hand, he would like more time now to play golf, go fishing and spend time with his...