Everyone is unique, so you deserve a unique financial plan.

The optimal strategy for you and your family will depend on your current situation, your short-term and long-term objectives, your investment time-frame, your financial resources and your appetite for risk. We’ll help you explore the options and create a holistic strategy structured around your individual goals.

A holistic approach

Your investments are only one part of your life — but they can be the key to unlocking the lifestyle you want to achieve. By considering your finances as one part of a bigger picture, rather than an end in themselves, we can help you create a lifestyle you can enjoy both now and in the future.

To achieve that, we follow a disciplined wealth planning process, designed to unlock your financial potential.

1.  Understanding

Whether your aim is to build wealth for retirement, maximise the value of your business, or leave a lasting legacy to your family, understanding your goals is an essential first step. We begin by exploring your lifestyle aspirations in detail, helping you to create concrete and measurable objectives to act as the centrepiece of your plan.
We’ll also clearly outline our services and our fees, so you’ll know upfront what our advice will cost and what you’ll receive in return.

2.  Strategy

Once we know where you want to be in life, we’ll develop a strategy designed to help you get there. First, we’ll review your existing investments to ensure they support your goals, identifying any gaps and emerging risks that could impact performance. Then we’ll create an ongoing strategy to maximise your financial potential and protect the lifestyle you have worked so hard to build.

We’ll document our suggested approach in a detailed Statement of Advice, setting out your investment, superannuation and wealth protection options, and bringing your financial strategy to life.

3.  Implementation

When you’re happy with your financial plan, we can help you execute it, building and managing your portfolio of wealth creation and protection solutions. In doing so, we work in close collaboration with you and other professional advisers, like your accountant, to achieve the best possible outcomes.

4.  Review

We’ll meet with you regularly to advise you on your progress and keep you informed about new opportunities, emerging risks and regulatory changes. So you can relax and enjoy life, confident that your financial future is in good hands.

Wealth Planning Strategies

Here are some of the Wealth Planning Strategies we may help you explore, depending on your needs.

Strategic asset allocation. Asset allocation is the key to achieving the right balance between risk and return. We’ll help you create a truly diversified portfolio that harnesses the growth potential of asset classes like shares and property, while avoiding excessive risk.

Risk management strategies. Depending on your situation, we may recommend a range of defensive strategies to control specific exposures or reduce overall portfolio risk, including hedging solutions, liquidity strategies, and investments with built-in capital protection.

Structures and Entity Advice. The wealth structure you choose determines how you can distribute income, how much tax you pay, and your level of personal exposure to debts and other business liabilities. Structures also creates Legacy Planning options. We can help you identify and create the optimal structure, to support a holistic plan for your finances. Asset protection can be a crucial consideration when it comes to structures and entity advice. We are very familiar in the strategic application of complex structures.

Super and SMSF’s. With its built-in tax advantages, super is a powerful vehicle for long-term wealth creation, so it’s important to make the most of it. We can help you take advantage of the benefits super has to offer, while navigating an increasingly complex regulatory landscape. This will include consideration of contribution strategies and when the time comes, retirement income streams.

If you are looking for greater investment choice and control, a self-managed super fund (SMSF) can be an attractive choice. We’ll help you manage the complexities of setting up and administering your own fund, developing a personalised investment strategy that maximises your opportunities while keeping risk under control.

Wealth Protection. We can help you manage risk and safeguard the financial security you’ve worked so hard to build, with strategies to protect your assets and your family’s financial security. With the appropriate wealth protection strategies in place (Life Cover, Total and Permanent Disablement Cover, Trauma Cover and Income Protection), you can focus on what is truly important in life – without having to worry about the financial ‘what-if’.

Retirement Planning. When you’re busy enjoying life, retirement can seem a long way off. But with Australians living longer and staying more active in retirement than ever before, your retirement lifestyle is not something to be left to chance.

Sophisticated Strategies. We’ll work with you to explore a range of advanced strategies and investment options, including: Direct equities, IPOs and capital raisings, Tax-effective strategies, Capital-protected investments, Structured investments, SMSF management, Wraps and portfolio administration, Trusts, and Succession Planning.

Tax-effective investing and strategies. The Australian tax system is enormously complex, creating both legitimate tax minimisation opportunities and pitfalls for the unwary. We can help you explore a range of tax-effective investment options and strategies, from geared investments to salary sacrificing and trust structures.

Legacy Planning. We can help you explore options for transferring wealth effectively to leave a lasting legacy for your family, including special disability, testamentary and family trusts.