Saw this "financial planner", he wants over $5K a year to do the "planning" for me. Because these people are mostly of dubious value & clueless, I decide to self educate and leverage the combined wisdom of my fellow SSers. What I need to read up are pension, estate planning etc. So If I buy an IP for $500K today, assume double every 10 years, in 20 years it will be worth $2m, the cgt will be $375K. Is there a way to reduce the tax such as using testimonial trust ?