Wealth management goes beyond budgeting and basic super contributions. It is the coordination of multiple financial disciplines (tax planning, investment management, superannuation strategy, insurance, and estate planning) into a unified strategy that reflects your full financial picture.

Basic financial planning might help you choose a super fund or set up a savings plan. Wealth management asks bigger questions: How should your assets be structured across entities? Are you paying more tax than necessary on investment income? Will your wealth transfer efficiently to the next generation?

In Brisbane’s southern corridor (from Eight Mile Plains and Rochedale through to Springwood, Daisy Hill, and the broader Logan region) we commonly work with clients who fit this profile: household income above $250,000, one or more investment properties, a growing super balance, and often a business or professional practice. These are people whose financial decisions interact in complex ways, and where poor coordination between tax, super, and investments can quietly cost tens of thousands of dollars over time.

Where advice earns its keep

In Brisbane’s southern corridor (from Eight Mile Plains and Rochedale through to Springwood, Daisy Hill, and the broader Logan region) we commonly work with clients who fit this profile: household income above $250,000, one or more investment properties, a growing super balance, and often a business or professional practice. These are people whose financial decisions interact in complex ways, and where poor coordination between tax, super, and investments can quietly cost tens of thousands of dollars over time.

South East Queensland has experienced significant property price growth over the past five years, and many residents in Brisbane’s southern suburbs have accumulated substantial property wealth, sometimes without fully realising the implications for their broader financial position.

Suburbs like Rochedale South, Daisy Hill, Springwood, and Underwood have seen median house prices rise considerably, driven by proximity to the Brisbane CBD, infrastructure improvements, and the Logan growth corridor. For many high-income households, the family home and one or two investment properties now represent the majority of their net worth.

Understanding these Queensland-specific considerations is essential when making decisions about property acquisitions, investment structures, and whether to hold property directly or through an entity like a trust or self-managed super fund.

One of the most common issues we see among high-income clients in Brisbane is concentration risk, with too much wealth tied up in a small number of assets, usually Australian property and a handful of Australian shares.

A well-constructed investment portfolio should include diversification across:

• Asset classes: Australian and international equities, fixed income (bonds and credit), property, and potentially alternatives such as infrastructure or private equity
• Geographies: Australia represents roughly 2% of global share markets. Limiting your portfolio to ASX-listed companies means missing exposure to sectors like technology, healthcare innovation, and global consumer brands that are underrepresented on the Australian market
• Time horizons: Matching your investment mix to when you will need the money (growth assets for long-term goals, defensive assets for nearer-term needs)

For Brisbane investors who have built significant property wealth, the priority is often building liquid, diversified investments to complement existing property holdings. This improves your ability to manage cash flow, respond to opportunities, and reduce the risk of being forced to sell property at an inopportune time.

Our investment advice service focuses on building portfolios that are appropriate for your risk tolerance, tax position, and long-term objectives.

Where advice earns its keep

Queensland has some specific advantages worth understanding. There is no land tax on your principal place of residence, which benefits owner-occupiers with high-value homes. However, investment properties are subject to Queensland land tax, and the progressive rate structure means that investors holding multiple properties can face meaningful annual tax bills. Queensland stamp duty (transfer duty) rates also apply on property purchases, with rates climbing steeply above $1 million. That threshold is one an increasing number of properties in Brisbane’s south now exceed.

Division 293 Tax: the extra super tax for higher earners

If your income plus concessional super contributions exceed $250,000 in a financial year, you will pay an additional 15% tax on some or all of your concessional contributions under Division 293. This effectively doubles the tax on those contributions from 15% to 30%.

Division 293 does not mean salary sacrifice is no longer worthwhile. Even at 30%, the tax on super contributions is still lower than the top marginal rate of 47% (including the Medicare levy). However, it does change the calculus. Strategies to consider include:

• Timing concessional contributions carefully, particularly if your income fluctuates year to year
• Using carry-forward unused concessional cap amounts in lower-income years
• Balancing concessional and non-concessional contributions to optimise your overall tax position
• Considering whether after-tax contributions or investment outside super may be more effective in some years

Salary Sacrifice and Contribution Strategies

For employees earning above $250,000, salary sacrifice into super remains one of the most accessible tax-reduction strategies. The concessional contributions cap (currently $30,000 per year, rising to $32,500 from 1 July 2026) includes both employer contributions and salary sacrifice amounts.

If your total super balance was below $500,000 on the previous 30 June, you may also have access to unused carry-forward concessional cap amounts from the previous five financial years. This can allow a significantly larger deductible contribution in a single year, which is a powerful strategy for those who have not maximised contributions in prior years.

Non-concessional (after-tax) contributions offer another avenue, particularly for those who have received a bonus, inheritance, or property sale proceeds. The bring-forward rule may allow you to contribute up to three years’ worth of non-concessional caps in a single year, subject to your total super balance.

Investment structures: personal, company, trust, SMSF

How you hold your investments matters as much as what you invest in. Each structure has different tax treatment, asset protection characteristics, and flexibility:

• Personal name: Simple, but investment income is taxed at your marginal rate. You receive the 50% capital gains tax (CGT) discount on assets held longer than 12 months.
• Company: Flat 25% or 30% tax rate on investment income depending on classification. No CGT discount. Can be useful for retaining and reinvesting earnings, but trapped profits can create issues.
• Family trust: Distributes income to beneficiaries in lower tax brackets. Receives the 50% CGT discount. Offers asset protection and flexibility but requires careful management and compliance with trust law.
• Self-managed super fund (SMSF): Concessional 15% tax rate on income, 10% on capital gains (for assets held over 12 months), and potentially 0% in retirement phase. Subject to strict rules on contributions, access, and sole purpose.

Many high-income earners in Brisbane use a combination of structures. The right mix depends on your income level, investment goals, family situation, and how long before you plan to access the funds.

Separately, from 1 July 2026 an additional 15% applies to the share of super earnings attributable to total balances above $3 million (Division 296), with a further tier above $10 million. If your balance is heading toward those levels, the structuring conversation matters even more.

Self-managed super funds can be a powerful wealth-building tool for the right person, but they are not for everyone. As a general guide, an SMSF typically becomes cost-effective when your super balance reaches at least $250,000, and when you have the time and interest to be involved in investment decisions.

For property-focused investors in Brisbane’s southern corridor, SMSFs offer the ability to hold direct property, both commercial and residential. Commercial property is particularly attractive because a business owner can lease their own business premises from their SMSF, creating a tax-effective arrangement where rent payments become deductible to the business and concessionally taxed within the fund.

Residential property in an SMSF is permitted but comes with more restrictions, including limitations on living in or renting the property to related parties. Limited recourse borrowing arrangements (LRBAs) allow an SMSF to borrow to purchase property, though lending criteria have tightened and interest rates on LRBA loans are typically higher than standard investment loans.

If you are considering an SMSF, our SMSF strategy service can help you assess whether it is the right structure for your situation and design an investment strategy that aligns with your retirement goals.

Where advice earns its keep

For property-focused investors in Brisbane’s southern corridor, SMSFs offer the ability to hold direct property, both commercial and residential. Commercial property is particularly attractive because a business owner can lease their own business premises from their SMSF, creating a tax-effective arrangement where rent payments become deductible to the business and concessionally taxed within the fund.

For high-income earners who have spent years building wealth, ensuring it transfers efficiently to the next generation is a critical (and often overlooked) piece of the puzzle.

Key estate planning strategies include:

• Testamentary trusts: Established through your will, these trusts allow your beneficiaries (including minor children) to receive income from inherited assets at adult marginal tax rates rather than penalty minor rates. This can save significant tax over time and provide asset protection for beneficiaries.
• Binding death benefit nominations (BDBNs): Your superannuation does not automatically form part of your estate. Without a valid BDBN, your super fund trustee decides who receives your death benefit, which may not align with your wishes. BDBNs should be reviewed regularly, particularly after changes in family circumstances.
• Intergenerational wealth planning: For families with substantial assets, coordinating the timing and method of wealth transfer can reduce tax, protect assets from creditors or relationship breakdowns, and ensure your values and intentions are respected.

Building wealth is only half the equation. Protecting it against unexpected events is equally important, and this is an area where high-income earners often have gaps.

• Key person insurance: If you own a business, consider what happens if you or a key employee cannot work due to illness or injury. Key person insurance provides funds to help the business survive the disruption.
• Trauma (critical illness) insurance: For high-income earners, a serious illness can create immediate financial pressure. Mortgage commitments, school fees, and lifestyle costs don’t pause. Trauma insurance provides a lump sum on diagnosis of specified conditions, giving you financial breathing room during recovery.
• Income protection: Replacing up to 70-75% of your income if you cannot work due to illness or injury. For high earners, the gap between your expenses and any default cover through your super fund can be substantial.

Our insurance advice service reviews your existing cover, identifies gaps, and recommends solutions that are appropriate for your income level and family situation.

Where advice earns its keep

Estate planning requires coordination between your financial adviser, solicitor, and accountant. We work alongside your legal and tax professionals to ensure your financial strategy and estate plan are aligned.