Zero Out of 343: Perth's Housing Affordability Crisis in Numbers
Perth property being unaffordable is not breaking news. But I wanted to see just how unaffordable it has actually gotten, so I built a tool to map affordability across every suburb...
Projects
01
FeeFrame is a browser-based fee toolkit for Australian financial advisers. It solves a gap no existing tool covers, helping advisers build justified fees from actual costs rather than guesswork.
The flagship tool is FeeQuote, which walks advisers through the entire scoping of a client engagement and produces a justifiable and profitable fee schedule. FeeAnalysis looks at the profitability of existing fee arrangements and adviser practices more broadly.
FeeFrame is currently in development and hasn't launched to market yet.
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02
With the likely introduction of Division 296 tax on high superannuation balances, coupled with death benefits tax, evolving tax brackets, and the compounding effects of investment returns across different structures, the question of whether to retain or withdraw from super is one that financial advisers face daily. For clients with super balances above $3 million, the answer is rarely straightforward and depends on dozens of interacting variables.
I am currently building BalancePoint, an adviser-facing tool that aims to answer that question through comprehensive long-term projections. Advisers can model how a specific withdrawal will impact a client's net wealth, estate value, and lifetime tax or let the tool analyse every possible withdrawal amount and recommend the optimal strategy.
The tool incorporates per-member Division 296 calculations, minimum pension drawdowns by age, death benefits tax by beneficiary type, personal marginal tax on withdrawn funds, living expenses with CPI indexation, and reinvestment of pension surplus, all projected year-by-year for up to 30 years.
BalancePoint is currently in production, with V1 launching May 2026.
Coming Soon →
03
CanIAffordPerth is an interactive map that visualises housing affordability across every Perth suburb using the Demographia Price-to-Income (PTI) framework. Users can input their household income and instantly see which suburbs fall within reach — and which don't.
The tool was built to support a comprehensive housing affordability report analysing all 343 Perth suburbs against international benchmarks. The full report can be read in the articles below. It was well received by both industry professionals and the general public.
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04
The May 2026 Federal Budget announced a fundamental shift to Australia's capital gains tax regime — replacing the long-standing 50% discount with an indexation-based system and a 30% minimum tax on large gains. None of it is legislated yet, but the impact on long-term investment decisions is already material.
This tool lets investors and advisers model their actual position under both the current rules and the proposed reforms. Input the asset, purchase date, cost base, and projected sale value, and the tool shows the side-by-side tax outcome under each regime — with sensitivity analysis across hold periods and CPI assumptions.
Currently in development.
Coming Soon →
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05
Placeholder — details to follow.
Currently in development.
Coming Soon →
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06
FP Skills is a set of 16 AI skill files built for Australian financial planners. Each skill is a structured reference document that integrates directly into Claude or ChatGPT as a persistent background knowledge layer — giving the AI correct FY2025/26 figures, current legislation, and tested strategy frameworks instead of relying on outdated internet sources.
The 16 skills cover superannuation, pensions, tax components, death benefits, SMSF compliance, CGT, Centrelink, insurance, estate planning, investment strategy, salary packaging, ethics, aged care, expatriate planning, and a master FY figures reference.
Built by processing ~3,000 pages of verified data through Claude Code. 135,000 lines of source material compressed to ~6,600 lines across 16 skills — a roughly 20:1 compression ratio. Each skill includes rules, decision frameworks, worked examples, and a section targeting the specific mistakes AI makes in that topic area.
Reach out if you would like the skill files sent to you.
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