Wealth Planning Services

We believe that the true goal of financial planning is to help our clients get the most out of their day-to-day lives through greater confidence in their financial future.

To achieve this, we advise clients on a range of financial strategies in line with their goals and personal situation.  

Financial Goal Setting

We work with our clients to define goals that are realistic and appropriate to their personal circumstances, along with a plan for achieving those goals.

Typical activities include:

  • Uncovering your 'financial personality' and investing preferences, and their implications for achieveing your personal goals
  • Projecting your future financial needs, from buying a first home to retiring

Superannuation Planning

We help clients optimise their use of superannuation to support their retirement planning goals.

Typical strategies include:

  • Making salary sacrifice contributions boost your superannuation balance while reducing income tax payable
  • Recontributing a lump sum withdrawal to reduce tax payable on death benefits

Financial Structuring

We determine appropriate financial structures to help clients to achieve their financial goals, along with the implementation of these structures.

Typical strategies include:

  • Using a discretionary trust to split a couple’s income and optimise personal tax
  • Using a company to stream dividends to maximise long term returns

Tax Optimisation

We help clients take advantage of the savings available under the prevailing tax laws, since small savings in tax can make significant differences to financial outcomes.

Typical strategies include:

  • Structuring debt and repayments to optimise long term benefits of tax deductions
  • Using salary sacrifice and spouse contributions to maximise tax concessions in super

Insurance Optimisation

We help clients to understand the tradeoffs in managing their personal risks, and to select suitable insurance policies in line with the tradeoffs.

Typical strategies include:

  • Use ownership structures to balance cost of premiums and accessibility of benefits
  • Optimise specific policy features based on cost, personal liquidity and cash flow

Succession Planning

Many clients wish to ensure they leave a lasting legacy with their family and community. We help clients clarify their wishes and determine optimal methods to achieve them.

Typical strategies include:

  • Use a testamentary trust to protect assets and optimise tax for child beneficiaries
  • Use super death benefits and insurance benefits to bypass potential will challenge

Our Wealth Planning Approach

We use a collaborative process to develop a plan that is customised for each client's personal situation.

Step 1 – Establish the baseline

  • Understand the client’s current financial situation
  • Define the financial issues that the client would like to address

Step 2 – Explore possibilities and set goals

  • Define financial and investment goals
  • Understand client risk profile
  • Identify and resolve ‘gaps’ between goals and risk profile
  • Explore potential financial and investment strategies

Step 3 – Analyse strategies and agree plan

  • Conduct detailed modelling of financial and investment strategies
  • Evaluate alternative tactics, including investment structures and platforms
  • Illustrate and discuss recommended strategies and tactics
  • Agree on financial plans to implement

Step 4 - Prioritise and implement recommendations

  • Prioritise recommendations to implement and define timeframes
  • Implement financial and investment recommendations