Due to high demand, our advisory is at capacity. We’re accepting introductory calls only, with new client plans delivered from 9 July 2026.
ESCAPE THE 2027 TAX SQUEEZE
How tech families earning $200k–$500k+ plan before the Budget changes take effect
13
Months Left to Act
3
Rules Changing at Once
1 Jul 2027
New Rules Apply
FREE GUIDE - INSIDE THIS DOCUMENT
What You’ll Learn
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Why the 50% CGT discount is being replaced with indexation - and what it means for your vested RSUs and concentrated tech stock
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The negative gearing change that makes every investment property calculation start over from July 2027
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The 30% minimum tax on discretionary trusts - and the 3-year restructuring window you cannot miss
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Exactly how the Confident Choice System™ maps to all three Budget changes and protects your work-optional trajectory
This Guide Is Written Specifically For You If…
You’re earning $250k–$500k+ from salary, RSUs and bonuses at a tech company - Atlassian, Amazon, Canva, Salesforce, Microsoft, Google or similar.
You’re holding vested RSUs or ESPP shares and you’re not sure whether to hold them, sell them, or what the new CGT rules mean for that decision.
You own one or more investment properties that rely on negative gearing to offset your salary income - and you want to know exactly what changes from 1 July 2027.
You have a discretionary trust distributing income to a lower-earning partner or family members - and the 30% minimum tax floor is now threatening that strategy.
Your accountant files your returns competently but offers no forward-looking view on what the Budget changes mean for your position. You’re getting silence when you need a plan.
WHAT YOU’LL LEARN
Three Principles That Change Everything Before 1 July 2027
The 2026-27 Federal Budget rewrites the rules on three things tech families care about most.
Each maps directly to the Create Strategic Wealth pillar of the Confident Choice System™.
PRINCIPLE 01 | REDUCE CONCENTRATION RISK
Reduce Concentration Risk
The 50% CGT discount is being replaced with indexation from 1 July 2027. The “hold to defer” logic behind most RSU decisions is about to change materially. Most planning conversations are focused on the wrong number.
→ How to audit your total employer equity exposure as a % of net worth
→ Why indexation hits short-held, high-growth tech stock hardest
→ How to build a vesting and sell-down dashboard - one parcel at a time
→ The deliberate question: model the after-tax outcome under both regimes, then choose
PRINCIPLE 02 | OPTIMISE TAX POSITIONING
Optimise Tax Positioning
From 1 July 2027, net rental losses on established residential properties can no longer offset salary income.
→ Which properties are grandfathered - and what that means until you sell
→ How to run the numbers on whether your property still works without the salary offset
→ Why new residential builds remain exempt from the restrictions
→ Working example: Anna and James, $530k household, one property, the real planning question
PRINCIPLE 03 | CONFIGURE OWNERSHIP STRUCTURES
Configure Ownership Structures
A 30% minimum tax floor on discretionary trusts from 1 July 2028 closes the income- splitting strategy that’s quietly saved high-earning tech households tens of thousands a year. There’s a 3-year restructuring window - but only if you start now.
→ Exactly how the 30% floor changes trust income distributions
→ The three-year rollover relief window - what it covers and what it doesn’t
→ Whether your trust still earns its keep beyond income splitting
→ How to model alternative structures without restructuring in a panic
THE TIMELINE
The Window Is Open Now. It Won’t Stay That Way.
Tech professionals who treat this as “I’ll deal with it next financial year” won’t just lose dollars - they’ll lose optionality. After 1 July 2027, you’re operating under the new rules with whatever structure you happen to have on hand.
12 May 2026
Budget Night - Changes Announced
CGT discount removal, negative gearing changes, discretionary trust minimum tax announced. Not yet law. The planning window opens.
Now - Jun 2027
Your 13-Month Planning Window
Model your position. Audit equity exposure. Stress-test property assumptions. Engage your trust structure. Act before the rules change.
1 Jul 2027
CGT & Negative Gearing Rules Change
Indexation replaces the 50% CGT discount. Negative gearing losses on new established property purchases can no longer offset salary income.
Jul 27 - Jun 30
Trust Restructuring Window (If Eligible)
Announced rollover relief for eligible taxpayers restructuring from discretionary trusts. Eligibility criteria not yet defined.
1 Jul 2028
30% Minimum Trust Tax Applies
The income-splitting arbitrage through discretionary trusts to lower-earning beneficiaries is closed.
WHY MO UNDERSTANDS YOUR SITUATION
Not a Generalist. A Tech Specialist.
Mo Shouman
Principal Financial Planner Founder, My Wealth Choice Pty Ltd
Credentials:
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20+ years financial planning experience
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Master’s & Bachelor’s in Finance
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Advanced Diploma of Financial Planning
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SMSF, Margin Lending & Geared Investments accredited
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Former CBA & AMP adviser
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Lectured at Sydney University
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Economic Advisor - UNDP & ILO
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Member, Financial Advice Association Australia
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Australian TV & radio commentator
When I first meet clients in the wake of a major Budget, the same thing comes up. Their accountant is technically competent - files the returns, claims the standard deductions - but offers no strategic view on what the changes actually mean for their position.
The noise in the media is loud, generic, and aimed mostly at investors with one property and a few index funds. Not at tech professionals with RSUs, partners on six figures, family trusts and concentrated employer equity.
The Confident Choice System™ is built specifically for that complexity. Through three pillars - Establish Solid Foundations, Create Strategic Wealth, and Build Contingency - it maps every angle the Budget changes hit, and several it doesn’t.
CLIENT OUTCOMES