Mo Money #487 An Inheritance Isn't a Plan
Jan 28, 2026
They unpack why inheritances can create huge risk and opportunity when not planned. They cover who should start inheritance conversations and the benefits of pre-inheriting. They explain will pitfalls, superannuation tax traps, and planning before money arrives. They describe testamentary trusts, trust loans for asset protection, and how to pressure-test estate plans to keep wealth in the family.
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Inheritance Is Risk And Opportunity
- Inheritances are a major upcoming wealth transfer but are both risk and opportunity.
- Treat inheritances as something to plan for, not a guaranteed financial rescue.
Get A Proper, Watertight Will
- Do get a proper will drafted rather than relying on handwritten notes or cheap kits.
- A clear, valid will prevents legal fights and ensures assets go where you intend.
Plan Superannuation To Avoid Death Tax
- Avoid unnecessary superannuation death tax by planning the taxable and tax-free components.
- Use withdrawal and recontribution strategies to convert taxable super into a tax-free component where appropriate.