Ep. 352: What Comes Next If The Old Investing Playbook is Dead, with Riley Jan

In this episode of Geared for Growth, Mike Mortlock is joined by Riley Jan, Financial Adviser for High Income Earners & Busy Professionals and Director at Firstlight Financial Planning, to unpack what the latest tax and investment changes really mean for property investors. With negative gearing and CGT settings changing, the role property plays in an investment portfolio is shifting. Riley explains why property now needs to stand on its own merits, why cash flow has become structurally important for investors, and why chasing high-yield properties at the expense of long-term growth can create a very different problem down the track. The conversation also explores how investors should think about superannuation, debt recycling, diversification, investment structures and borrowing capacity in the current environment. Riley shares the framework he uses with clients, goals first, then strategy, structure and finally the investment, and explains why tax should be viewed as a modifier of a return, rather than the reason to make an investment in the first place. What we cover in this episode: Why property has traditionally done two jobs for investors, building wealth and reducing tax, and what changes when one of those benefits disappears. Why cash flow is becoming a much more important consideration for property investors. The danger of chasing high yields without considering long-term capital growth. Why “tax benefits” should never be the primary reason for buying an investment. How high-income earners can think about debt recycling and diversification. Why the family home and superannuation have become more significant parts of the wealth-building conversation. Riley’s goals → strategy → structure → investment framework. How different investment structures can affect tax, cash flow and the amount of wealth you ultimately keep. Why long-term investors need to focus on quality assets rather than constantly searching for the next loophole or hotspot. How investors can look at their current financial “chessboard” and identify opportunities they may be overlooking. LISTEN TO THE EPISODE: Spotify: https://sptfy.in/r8ut Apple Podcasts: https://apple.co/4yy4G4f Website: https://gearedforgrowth.com.au/ You can reach out to Riley Jan on the following channels: Set up a Complimentary Initial Call - https://calendly.com/rileyjanfl/initi... Instagram -   / rileyjanfinancialadvisor   TikTok -   / rileyjanfinancialadvisor   YouTube -    / @rileyjanfinancialadvisor   Website - https://firstlightfinancialplanning.c... Here at MCG, we are committed to creating a forum and education series for property owners and investors. We do depreciation differently and offer a set rate for Replacement Cost Estimate reports. A first in the industry. Join our clients saving more on their tax today https://www.mcgqs.com.au/