Estate planning is one of the most important — and most delayed — parts of building long‑term wealth.

In this episode of Property Investing Roadmap, host Damian Collins explores how investors can protect what they’ve worked hard to build and ensure their wealth continues to benefit their family for generations to come.

Prompted by a listener question, Damian is joined by Jemma Sanderson, Head of Self‑Managed Superannuation Funds & Succession at Cooper Partners Financial Services, to unpack estate planning beyond “just having a will”.

With more than 25 years’ experience advising high‑net‑worth families, business owners and property investors, Gemma explains how estate planning intersects with superannuation, trusts, companies and property structures — and why misunderstanding control can lead to unintended (and sometimes devastating) outcomes.

This episode covers the practical realities of succession, control, incapacity and wealth transfer — and why estate planning is about clarity, not pessimism.

What you’ll learn:

• Why estate planning is more than just writing a will
• How estate planning fits into long‑term property and wealth strategies
• The difference between asset ownership and asset control
• Why trusts, companies and SMSFs don’t automatically pass through your will
• What happens to superannuation when you die
• Who can legally receive superannuation death benefits
• How trustee discretion can lead to disputes
• Why joint tenancy property bypasses your will
• Why outdated wills often fail investors
• What testamentary trusts are and how they work
• Tax benefits of distributing income to minor beneficiaries
• Asset protection advantages of testamentary trusts
• Why advanced health directives reduce family conflict

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T&Cs

The information shared on Property Investing Roadmap is general in nature and does not take into account your individual circumstances. It is provided for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional legal, tax and financial advice.
This episode’s guest is a representative of Cooper Partners Financial Services.