When exactly do the Budget changes hit? +
Three key dates to understand: 1 July 2027 — the proposed changes to the 50% CGT discount and negative gearing rules for new established residential property purchases are expected to commence. 1 July 2028 — the proposed 30% minimum trust tax and anti-bucket company rules are expected to take effect. 30 June 2030 — the proposed discretionary trust restructure rollover relief window is expected to close. EOFY 2026 is the planning runway, not the deadline. The earlier the strategy conversation begins, the more options may be available.
Should I sell my investment property, shares or crypto before 30 June 2027? +
This depends on a range of factors and is not a blanket recommendation. The proposed CGT changes from 1 July 2027 replace the 50% discount with inflation indexing plus a 30% minimum rate on the real gain. For some holdings, the new rules will produce a similar or better outcome. For others, FY27 will clearly be the better tax window. Pairing any sale with concessional super contributions can amplify the after-tax outcome — particularly where there is carry-forward super cap available. The session walks through the framework so you can make a deliberate decision rather than guess.
I already own a negatively geared property. Does anything change for me? +
Existing property held at 7:30 PM AEST on Budget night (12 May 2026) is grandfathered. Full negative gearing — including offset against salary — continues for the life of your ownership of that property. The proposed changes only apply to established residential property purchases made from 1 July 2027 onwards. New builds purchased after that date keep full negative gearing. The four-bucket framework determines what applies to each property in your portfolio.
Is the $20,000 instant asset write-off still worth using before 30 June 2026? +
It is still useful, but the urgency has reduced. The instant asset write-off is now permanent from 1 July 2026 — so a purchase deferred to FY27 will still receive the benefit. If a purchase was already planned and the cash flow supports it, bringing it forward to FY26 is fine. But the "must-buy-by-30-June" pressure that drove FY26 planning pre-budget is no longer the same. The session covers when bringing forward makes sense for your specific circumstances.
I have unused concessional super cap from previous years. What should I do? +
Concessional super contributions are arguably the highest-impact tax planning move available before 30 June 2026 — more so post-budget. The current cap is $30,000 per year, plus any unused carry-forward cap from the prior 5 years (subject to a Total Super Balance of less than $500K as at 30 June 2025). Carry-forward cap from FY21 expires on 30 June 2026 — use it or lose it. Pairing a large contribution with a capital gain crystallisation in FY27 can be particularly powerful. The session covers the timing and sizing for your circumstances.
I'm planning to buy a new investment property or business. What should I think about? +
The right structure for a new acquisition is genuinely different post-budget. For a new-build residential property, full negative gearing is retained — making personal ownership viable in many cases. For an established residential property purchased after 1 July 2027, the structure depends on whether you have other residential property income to offset against. For shares or crypto, an investment company structure becomes materially more attractive than personal ownership given the loss of the 50% CGT discount. For a business or business interest, trust or company structures need to be evaluated against the FY29 trust changes. The session walks through which path fits your situation.
Is this a tax return appointment? +
No. This is a strategic conversation focused on the Budget changes, your tax position and investment plans, and the levers you should be considering before EOFY. It is not a standard tax return appointment.
My situation involves a family trust. Should I book this session or the trust-specific one? +
If your situation is primarily about restructuring an existing trust — particularly a trust-owned company or a household relying on trust distribution refunds — our
Trust & Company Structure Strategy Session is designed for that specific conversation. If your situation is broader — a mix of tax planning, CGT timing, super contributions, negative gearing and new acquisition decisions — this session is the right starting point. Both sessions use the same $249 / 30-minute / credited-forward model.
What happens if I proceed with the Blueprint? +
Your $249 session fee will be credited towards the $2,950 Blueprint engagement fee. The Blueprint includes a comprehensive written strategy report with recommended execution next steps, full review of your current tax position and investment holdings, CGT and tax calculations on potential sale and acquisition pathways, concessional super modelling, structure recommendations for new investment acquisitions, and research into available relief provisions. Where BWC acts as your ASIC agent, associated lodgements and entity changes can be managed as part of the engagement.
Do I need to be in Brisbane? +
No. Sessions are conducted online, and BWC supports business owners and investors Australia wide.
