In this conversation, Andrew Albury reflects on a 35-year career shaped by steady counsel through periods of transition, guidance that built enduring trust and client relationships across generations.

Success isn’t defined by beating an index. It is defined by funding retirement, supporting family, seizing opportunities, and shaping a legacy. Goals-based investing brings this into focus. By aligning capital with defined purposes and time horizons, the Five-Pool Framework offers a structured approach to decision-making, reinforces discipline through market cycles, and guides wealth with a long-term perspective.

For families focused on long-term impact, transferring wealth is only part of the journey. Structured generosity guided by governance, legal oversight, and strategic planning helps the next generation thrive, build independence, and preserve family cohesion. Thoughtful giving, milestone-based support, and philanthropy transform well-intentioned acts into an enduring, purpose-driven legacy.

Serious health events are increasingly affecting Australians in their peak earning years, when financial responsibilities are greatest. Trauma insurance, also known as critical illness or crisis cover, provides crucial stability through a tax-free lump sum after a major diagnosis. For professionals managing mortgages, school fees, and lifestyle costs, it can be the key to maintaining financial resilience during recovery.

Following industry consultation, the Federal Government has announced key revisions to Division 296, introducing a realised earnings approach, indexed thresholds, and a delayed start date. The changes aim to deliver greater fairness, flexibility, and clarity for members with larger superannuation balances.

Division 296 can serve as a starting point for families to discuss intentional intergenerational wealth transfer. By opening these conversations early, parents and children can explore how wealth can support meaningful goals, reduce tax exposure, and shape a considered legacy while still alive.