Tax Structuring, Diversification and Planning

In this Australian Finance Podcast episode, Owen Rask chats with Everest Wealth’s Alex Luck about the 5 most important lessons he’s learned from advising thousands of young professionals and families. In this honest, practical conversation, Alex shares:

– Why building an emergency fund is boring—but essential – How the power of compounding favours early investors – Why getting on the property ladder is still a smart long-term move – The power of smart tax structuring (even for everyday investors) – Why keeping an open mind might be your biggest financial edge

If you enjoy this episode on financial planning insights for people in their 30s and 40s, subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you listen.

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Topics Covered – Travel and tax planning – Emergency funds: how much is enough? – Why 3 months of expenses is just a starting point – Offsets vs. savings accounts – How much cash is too much cash? – Getting invested early: the compounding magic – ETFs vs. shares: where to start – The power of low fees and diversification – Gearing explained: good or bad? – The truth about getting into the property market – Why you probably can’t out-save property prices – First Home Super Saver Scheme – First Home Guarantee (5% deposit scheme) explained – Mortgage brokers: why you need one – Tax structuring 101: names, trusts, companies – Common mistakes with tax on investments – Building an investment strategy that works with your structure – Why being open minded is underrated – Bitcoin, gold, ETFs, property—diversification in action – Advice from a financial planner: what a real plan looks like

Resources for this episode

Everest Wealth

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DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance.

The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg

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