Q&A - Untangling a messy structure, cutting losses, and low-income investing

Three listeners wrestling with structure and second-guessing. "Marty," an Adelaide doctor who's become genuinely financially literate since engaging a planner two years ago, feels his arrangement is messier than it should be: managed funds underperforming at a 2.9% IRR, borrowed money in the trust, and a cash-flow plan he's no longer sure about. He asks whether to pause super contributions, rethink gearing inside the trust given a possible 30% distribution floor, and what broad directio...