SmartMoney Wealth Management

SmartMoney Wealth Management We help busy families take control of their money so they can own their home sooner and build their wealth safely.

25/08/2026

If you’re a Sydney local and can make it out to Hornsby RSL, join us Wednesday, 26 August at 7pm for our FREE in-person seminar.

👉 Secure your free spot here: https://bit.ly/4zD76PV

Hovig and Peter will be discussing all things wealth, tax and retirement, with practical insights to help you make smarter financial decisions.

It’s shaping up to be a great night!

📅 Wednesday, 26 August
⏰ 7:00pm
📍 Hornsby RSL
🎟️ FREE to attend

06/08/2026

- What a difference 12 months can make!

Over the past year, our clients have grown their investment portfolio by an incredible $470,000, all while building their dream home.

By taking action, having a clear strategy and making informed decisions around their finances, they’ve been able to make significant progress towards building long-term wealth while still achieving one of their biggest lifestyle goals.

A fantastic 12 months and an exciting foundation for what comes next.

General Advice Warning
The information provided is general information only and does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate for your circumstances and seek personal financial and taxation advice.

29/07/2026



Taking action is the first step.

Michael & Mel made the decision to take control of their financial future, putting themselves in a position to pay off their home years earlier while growing their wealth by $245,000 in just 12 months.

Small decisions today can create life-changing results tomorrow.

Message us to start your journey...

15/07/2026

💰 What is Capital Gains Tax (CGT)?

If you’ve ever sold an investment property, shares, or another asset, understanding Capital Gains Tax is essential.

In this short episode, we explain:
✔️ What Capital Gains Tax is
✔️ How your capital gain is calculated
✔️ Why holding an asset for more than 12 months can reduce the amount of tax you pay
✔️ The difference between owning assets personally and through a company

Understanding the basics can help you make more informed financial decisions.

🎧 Listen on Spotify:
https://open.spotify.com/episode/1WzqOMyBIB1e7zVL1JPCbw?si=2525EuRRRNOe9UcifSSWiA

▶️ Watch on YouTube:
https://youtu.be/aPm_0KiyXiA

💬 Have a question about Capital Gains Tax? Drop it in the comments.

⸻

General Advice Warning

The information provided is general information only and does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate for your circumstances and seek personal financial and taxation advice.

SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN 67 618 468 741), Corporate Authorised Representative No. 001265087 of Bluewater Financial Advisors Pty Ltd (ABN 99 153 118 533), Australian Financial Services Licence No. 411846.

02/07/2026

📈 Interest rates are dominating the headlines… but should they be driving your financial decisions?

One week the media says rates are going up.
The next week they’re predicting cuts.

So… who’s actually right? 🤔

In this episode of Here Comes The Money, Peter and Harvey cut through the noise and discuss:
💰 Why interest rates shouldn’t be your only investment decision
📊 What consumer confidence is really telling us
🏡 How today’s market could create opportunities
🏦 The costly “loyalty tax” many Australians unknowingly pay their bank

Before you make your next financial move, watch or listen to the full episode.

🎧 Watch or listen on Spotify:
https://open.spotify.com/episode/4BZi8ee4f62KYk7trzP44O?si=0COiSSC9T6is6odPFD4DYg

▶️ Watch on YouTube:
https://youtu.be/elsf1dbM57k

💬 Do you think interest rates will be lower this time next year? Let us know in the comments!

General Advice Warning

The information discussed in this podcast is general information only and does not take into account your personal objectives, financial situation or needs. Before acting on anything discussed, you should consider whether it is appropriate for your circumstances and seek professional financial advice.

23/06/2026

Negative gearing just changed. Here's what it means for your next property move 🏠
With the housing shortage showing no signs of slowing, the rules around negative gearing have shifted — and there's a catch most people are missing (knock down rebuild? Duplex vs granny flat makes a huge difference).
The fundamentals haven't changed though: demand vs supply, population growth, vacancy rates, and timing the cycle still drive long-term value.
🎧 Watch the full episode on YouTube: https://youtu.be/2AyYrpzm8wM

🎧 Listen on Spotify: https://open.spotify.com/episode/4h0ReKBdxYExAVlK9sE8CN?si=BS3NjjpNRtmizh4CnHnkYA
General Advice Warning: All information discussed is general advice only and does not take into consideration your personal circumstances, objectives, or financial situation. Seek personal financial and taxation advice before acting on any information discussed.

15/06/2026

Everyone’s talking about negative gearing… but almost nobody is explaining it properly.

In this episode of Here Comes The Money, we break down:
• What negative gearing actually is
• Why supply & demand still controls the property market
• How the proposed changes may affect rents & prices
• What it could mean for first home buyers and investors

Sometimes the simplest explanation is the best one:
“If there’s less supply and more buyers… prices go up.”

Watch the full episode on YouTube:
https://youtu.be/2AyYrpzm8wM

Listen on Spotify:
https://open.spotify.com/episode/4h0ReKBdxYExAVlK9sE8CN?si=BS3NjjpNRtmizh4CnHnkYA

General Advice Warning:
All information discussed is general advice only and does not take into consideration your personal circumstances, objectives, or financial situation. Seek personal financial and taxation advice before acting on any information discussed.

29/05/2026

Most homeowners are paying their mortgage monthly without realising a fortnightly switch — same money, no extras — saves them 5 years and $133,000 in interest.

That's just the start of what Peter and Hobby unpack in Episode 15 of Here Comes the Money.

In this episode you'll learn:
✅ The repayment switch that saves 5 years and $133K — without paying more
✅ How an extra $100/week cuts nearly 7 years off your loan
✅ Why paying extra on your mortgage might actually be slowing you down
✅ The debt recycling strategy that turned a 30-year mortgage into 12
✅ The retirement gap most Australians don't see coming — until it's too late

🎧 Listen on Spotify → https://open.spotify.com/episode/3oUh8DCXPaV4Fyl0IGWtiZ?si=QZ7SFtVqSfe7wzshDUtWLQ

▶️ Watch on YouTube → https://youtu.be/muysWK4Op9Q

💬 Drop a comment below — are you paying monthly or fortnightly right now?

22/05/2026

Thinking about setting up an SMSF yourself to save a few dollars? That decision could end up costing you far more in the long run.

In this clip from Here Comes The Money, Peter and Hovig break down the hidden risks of DIY SMSFs, the compliance traps most Australians don’t see coming, and why “cheap” online setups often become expensive mistakes later.

From trustee structures and lending rules through to insurance gaps and setup errors, this is essential viewing before making any move with your super.

If you want to build real wealth with the right structure and strategy behind you, apply to work with the SmartMoney team below.

👉 Apply here: https://offers.smartmoneygroup.com.au/build-real-wealth

Or watch the full episode here:
🎥 https://youtu.be/8vghz6l-nqo?si=bfmqfU407-mGtMvt

18/05/2026

Thinking about a Self-Managed Super Fund? 👀

On paper, SMSFs can sound incredible… more control, property opportunities, leverage, tax advantages and potentially a bigger asset base. But there’s a side most people never hear about.

Get the setup wrong and what looked like a smart move can become a very expensive mistake.

In this clip from Episode 14 of Here Comes The Money, Hovig and Peter break down why SMSFs are becoming more popular — and why structure matters more than people think.

🎧 Full episode now live on Spotify & YouTube — links below.

https://open.spotify.com/episode/1DcXSLHVf0Ctmka1Egbq4T?si=F4Kp6lTESbS2A6JpMPGdpg

https://youtu.be/8vghz6l-nqo

Address

Level 2, Suite 2. 03, 6 Parkview Drive
Sydney Olympic Park, NSW
2127

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm

Telephone

+611300966330

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