amply advice blog

The amply blog explores the future of financial advice, from AI-powered modelling and retirement strategy to practice efficiency and client base accessibility. Discover insights, ideas and practical guidance designed to help advisors deliver smarter, faster and more accessible advice to everyday Australians.

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Line chart titled "Same negative-gearing loss: tax saved now vs (less) later", comparing the cumulative income tax saved by an identical rental loss for a new-build versus an established investment property over six financial years (FY27-28 to FY32-33), with the property sold in the final year. The green line ("New build: tax saved each year (cash now)") rises steadily from about $7,000 in FY27-28 to about $27,000 by FY31-32 as the loss is deducted against salary each year, then plateaus at sale — annotated "~$27k banked as cash over the hold". The red line ("Established: tax saved only at sale (cash later)") sits flat on $0 for the entire hold ("Held: loss quarantined, saves nothing yet"), then rises in the sale year (FY32-33) to only about $10,000, well below the new build. It is annotated "Sold: only ~$10k of the pool is usable (~$49k stranded — indexation shrinks the taxable gain)". The takeaway: the new build banks its negative-gearing benefit as cash year by year

New build vs established: what the 2027 negative-gearing reform really does to an investor

From 2027, negative gearing on established investment property is quarantined — but that doesn't mean the benefit disappears. We model a typical investor and show what really changes: new builds bank tax savings now; established investors wait until sale, and indexation can leave much of the pool stranded. Tax saved now versus less, later.

Jun 86 min read

How and why we built warn-only compliance checks for financial advisers

You finish a scenario report at 4pm. The projections look right, and the executive summary reads well. Still, you face the quiet question every adviser knows. Did I miss something the licensee would ask about? Are the goals captured? Is the risk profile on file? Does the scope match what we agreed? Advisers carry heavy compliance obligations. Every client document involves requirements you manage personally. You hold the Best Interests Duty, the Code of Ethics, and seven-year

Jun 63 min read

Line chart titled “How much super do you need at retirement?” showing total opening super required at retirement (nominal dollars) on the y-axis versus target annual retirement income in today’s dollars ($50k–$100k) on the x-axis. Four lines compare single and couple households, homeowner versus renter, under Balanced return assumptions (6.5% gross), Age Pension included, retire at 67 with a +5 year planning buffer. Couples need little super at $50k (~$48k) and rise to about $1.2M (homeowner) or $936k (renter) at $100k. Singles start around $340k–$364k at $50k and reach $1.45M–$1.55M at $100k. Homeowner lines sit above renter lines at higher incomes.

Understanding Superannuation Needs for Retirement in Australia

Ask most Australians how much super they need to retire and they’ll say “$1 million.” It isn’t one number - it depends on your target income, whether you’re single or in a couple, whether you own your home, and when you retire. Under a Balanced long-run return assumption, a couple targeting $50k may need only around $48,000 in super (Age Pension does most of the work), while a single targeting $100k may need closer to $1.5 million.

May 215 min read

A digital twin of an older woman with their financial details shown

Capture Client Facts the Way They Actually Talk

Capture client facts the way they actually talk. Upload documents or add information naturally, and we'll automatically structure everything without you ever having to rekey it.

Apr 302 min read

A clean, minimalist financial hero image featuring a soft blue and teal colour palette. A bold upward-trending line graph rises from the lower left toward the upper right, ending at a glowing circular marker labeled “$3M.” Faint bar chart columns sit in the background, reinforcing a sense of financial growth and progress. The overall design is professional, abstract, and modern, with ample white space and subtle decorative sparkles that convey trust, success, and long-term wealth growth.

Understanding Division 296 Tax: Will You Hit the $3 Million Threshold?

Division 296 tax starts in July 2026. If you earn $200k with SGC contributions your whole career, will you trigger the $3 million threshold?

Apr 153 min read

Understanding the 2026 Tax and LISTO Changes

Walk through a real example of someone who could not qualify for Listo before - how this change and tax changes could impact his situation today and his wealth in the long term

Apr 73 min read

Bridging the Advice Gap: Why Australia Needs a New Era of Financial Planning

Australia is currently facing a "perfect storm" in the financial advice sector. Despite being a nation with one of the most sophisticated superannuation systems in the world, the average Australian is finding it harder—and more expensive—than ever to access professional financial guidance. At Amply, we believe that quality advice shouldn't be a luxury reserved for the wealthy. To understand why we built Amply, we must first look at the systemic failures currently locking mill

Feb 204 min read