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LinkedIn - https://www.linkedin.com/in/riley-jan/
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TikTok - https://www.tiktok.com/@rileyjanfinancialadvisor
YouTube - https://www.youtube.com/@RileyJanFinancialAdvisor
Website - https://www.cruzfinancialplanning.com.au/

Last episode we sat in the broker's seat — triage, bridging, borrowing capacity. This episode, we tackle the other half of the conversation: why you're making the move in the first place.

Upgrading the family home feels emotional. New school zone, more space for the kids, the yard you've been picturing for years. But once you're talking about a million-dollar minimum decision — often two — emotion alone is an expensive way to navigate it. So I sat down with Riley Jan from Cruz Financial to unpack what a good upgrade actually looks like when you treat it as a financial planning move, not a wish list.

We get into:

• The chess board everyone's playing on (assets, liabilities, super, cashflow, estate, structure) — and why most people only ever move two pieces
• Why the decision to keep or sell your existing home almost never goes the way the internet tells you it should (and how the six-year rule is wildly misunderstood)
• The CGT-free window most upgraders walk straight past — and what happens to your borrowing capacity when you cling to an average asset out of emotion
• Riley's 10-3-Now goals exercise — the one-night, A4-piece-of-paper conversation you should be having with your partner before any of this
• How the broker, the planner, the buyer's agent and the accountant actually fit together — and why social media oversimplifications are quietly costing people six-figure mistakes

🎙 Show home → Financebutneat.com

▶️ YouTube → @finance-butneat

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💼 LinkedIn → Alexander Watson Funded Finance

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Finance, But Neat is hosted by Alex Watson, an accredited mortgage broker and director of Funded Finance.

nformation shared by guests reflects their own views and expertise and is general in nature only.

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