Your Money: Blog Alman Partners

Estate Equalisation and Other Knowledge Gaps in Insurance

When wealth is tied up in a business, farm, or property, insurance needs to do more than provide a payout. Estate equalisation, business succession, debt exposure, and beneficiary arrangements all require careful planning to ensure assets can transfer as intended without creating financial strain, family disputes, or forced asset sales. This article explores the often-overlooked gaps between insurance, estate planning, and business structures, and why integrating these elements is critical to protecting family wealth across generations.

Not all Trusts are the Same

The Federal Budget’s 30% minimum tax on certain Discretionary Trust distributions could reduce the tax-planning benefits of Family Trusts. While the changes are not intended to apply to genuine Testamentary Trusts, they may prompt many Australians to review their estate planning and trust structures.

Tax Matters. Strategy Matters More.

With recent tax changes reshaping the investment landscape, after-tax returns have become an even more important consideration for Australian investors. While government policy may change, investors can improve long-term outcomes by focusing on what they can control, including investment strategy, portfolio turnover and tax efficiency. A disciplined, low-turnover approach can help minimise unnecessary tax liabilities, enhance compounding and provide greater flexibility over the timing of tax payments.

Consolidation Doesn’t Have to Mean Less Choice – It Can Mean Better Choice

Life insurance market consolidation is often seen as reducing competition, but it can also create better outcomes for advisers and consumers. By combining scale, technology and shared infrastructure while maintaining distinct brands, insurers can continue to offer meaningful choice, innovation and improved service. In an increasingly complex market, specialist risk advisers play a vital role in helping clients navigate options and secure cover tailored to their needs.

What the New CGT and Negative Gearing Reforms Mean — And What They Don’t

Australia’s new CGT and negative gearing reforms are reshaping property investment incentives. Learn what’s changing, what remains the same, and why long-term investment success is driven by strategy, diversification and disciplined decision-making.

How often should you check your investment portfolio?

How often to check your investment portfolio is one of the more consequential decisions a long-term investor makes, and the evidence on the question is now substantial enough to answer it directly.

Why Personal Risk Insurance Premiums are Rising in Australia

Personal risk insurance premiums have become one of the most pressing issues in the industry, but no one cause is behind the price hikes.

Staying at Home vs Moving into Care

When it comes to care, the biggest question often isn’t whether to stay home or move — it’s how to ensure the right support is in place as needs evolve. While home offers comfort, independence, and familiarity, changing care requirements can make the decision more complex. Understanding the balance between safety, wellbeing, and quality of care is key to making the right choice for the future.

Life Insurance: Are you getting value for your premium dollar?

If you haven’t reviewed your personal insurance cover in some time, it might pay to. It is not uncommon for policies held for 5 years+ to cost up to 40% more than a new policy premium.

2026 Federal Budget

Friend of Alman Partners, Rick Walker of Lorica Partners, together with Jason Kirk, review the 2026 Federal Budget. Read on to learn more about the proposed changes to tax.