Can the Next Generation Afford the Future?
For many Australian families, rising property prices, increasing cost of living, and economic uncertainty are making it harder for the next generation to get ahead, let alone build wealth of their own. It's no longer just about providing your children with a good education or helping with a deposit. True financial legacy means thinking beyond handouts and creating sustainable, strategic wealth across generations. That’s where intergenerational wealth planning comes in.
What is Intergenerational Wealth?
At its core, intergenerational wealth refers to assets passed from one generation to the next. But in today’s environment, it’s not just about what you leave behind; it’s about what you set up now, so your children and grandchildren can thrive financially.
Whether it’s property, private market investments, superannuation, or a family trust structure, smart families are using every tool available to build financial stability that lasts.
The Challenges Facing the Next Generation
The dream of home ownership is slipping away for many young Australians. At Prime, we are seeing an increasing number of clients asking: “How can I help my children buy property, without putting my own retirement at risk?”
The reality is that ad hoc gifting or co-purchasing may not be enough, or may create unnecessary complexity later. That’s why structured, advice-led planning is essential.
Strategies for Building Intergenerational Wealth
At Prime Financial Group, we help families create long-term strategies that support wealth preservation, growth, and succession.
Here’s how:
Advice-led Structuring
From family trusts to testamentary trusts, the right legal and financial structure can safeguard assets, reduce tax, and ensure control stays with the right people.
Investment in Private Markets
More high-net-worth and wholesale investors are turning to private credit, property syndicates, and alternative assets. These can provide better returns and lower volatility compared to traditional markets.
SMSF Planning
Self-managed super funds (SMSFs) offer unique opportunities to build wealth in a tax-effective environment, especially when used strategically across generations.
Strategic Gifting and Loans
Gifting funds to children may seem generous, but without the right safeguards, it can jeopardise your retirement or cause family conflict. We can help you devise a strategy that incorporates intra-family loans or gifting that aligns with your broader financial plan.
Talk to Us
We are not just investment advisers. We’re long-term partners in helping families protect and grow their wealth. With deep expertise across wealth management, accounting, SMSF, property, and alternative investments, we offer a truly integrated approach.
Our advice isn’t just about numbers. It’s about values, legacy, and ensuring your family’s financial well-being for generations.
Whether you're thinking about passing on your wealth, supporting your children’s first home, or just starting the conversation about legacy, we are here to help. Contact our team at clientservices@primefinancial.com.au for a confidential discussion.
The information in this article contains general advice and is provided by Primestock Securities Ltd AFSL 239180. That advice has been prepared without taking your personal objectives, financial situation or needs into account. Before acting on this general advice, you should consider the appropriateness of it having regard to your personal objectives, financial situation and needs. You should obtain and read the Product Disclosure Statement (PDS) before making any decision to acquire any financial product referred to in this article. Please refer to the FSG (www.primefinancial.com.au/fsg) for contact information and information about remuneration and associations with product issuers. This information should not be relied upon as a substitute for professional advice, and we encourage you to seek specific advice from your professional adviser before making a decision on the matters discussed in this article. Information in this article is current at the date of this article, and we have no obligation to update or revise it as a result of any change in events, circumstances or conditions upon which it is based.
