money money money 913b they won the lottery: here is how they invested it
Apr 1, 2026
Martin McGrath, a financial adviser and qualified accountant who helps high-net-worth clients with tax, retirement and investment structuring. He walks through a $30M Powerball case study. They discuss immediate steps taken, company-plus-trust structures for tax and protection, cash holds and property plans, super top-ups, a $28k monthly dividend strategy, fee comparisons, and keeping investments deliberately boring.
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Couple Winning $30 Million And Choosing An Adviser
- A Brisbane couple accidentally won a $30 million Powerball jackpot and contacted Glen for help navigating life after the windfall.
- They initially met several advisers, disliked the vibe of one big firm charging ~A$200k/year, then chose Martin for a three-month setup engagement.
Shift Windfall Out Of Personal Names Fast
- Move large windfalls out of personal names quickly to avoid top marginal tax and structure through entities instead.
- Martin moved most funds into a company owned by a family trust to cap tax at 30% and control distributions.
Use Company Plus Trust To Control Income Flow
- Use a company plus family trust so dividends flow to the trust and distributions are controlled rather than paid directly to individuals.
- They placed ~25M into an investment company (BT Panorama) while keeping a modest personal cash float (~A$100k).
