Who we can help

This can be a pivotal life stage, as you juggle the competing demands of work, life and family.

On one-hand you are developing your skills, growing your income and working harder than ever. On the other, wanting to spend time with your family, relax and generally enjoy life (and why not? You deserve to be rewarded for your hard work!).

We understand this requires almost all of your time and energy, which is where we come in. We allow you to focus on what you do best, giving you the flexibility and peace of mind to spend your precious spare time doing the things you love.

Characteristics

• One or both partners are approaching the peak of their career.
• Household income is typically $400,000 p.a. or more.
• Professionals (doctors, lawyers, accountants etc.), executives or business owners.
• “Lumpy” cashflow, with a significant portion of income coming from bonuses, employee share schemes/options, profits or dividends.
• Accustomed to partnering with trusted advisors or outsourcing to subject matter experts.

Common Challenges/Aspirations

• Achieving a work/life balance – You want to get the mix right, which is no easy task!
• Aspirational Lifestyles vs Saving for the Future – Given how hard you work, it’s only fair you have a lifestyle to match … but you know you also need to think about the future.
• Education Funding – You want give your children access to the best education and opportunities.
• Managing a significant mortgage – Whether it was the purchase of a dream home or renovating an existing home to provide for a space growing family, chances are you have a large mortgage and the concerns that come with it.
• Desire to protect your family – Should anything happen to you, you want to ensure your family is not financially impacted.

Key Advice Areas 

• Human Capital
• Strategic Planning
• Mortgages & Debt
• Risk Management
• Estate Planning
• Tax & Business Advice

You feel like you’ve done a lot of the hard work to get the family into a sound financial position, with little to no debt and real capacity to grow your wealth. The kids are close to being financially independent and school fees are in the rear vision mirror, or not far away. Ideally, the most stressful professional years are behind you and you are looking to use your experience and professional networks to take on projects that are rewarding – not just financially, but in terms of life/work balance, personal values and things you are passionate about.

You are excited about having the shackles of debt, high education costs and dependent kids loosened, focussing on accelerated wealth creation, asset structuring and thinking about how you might help your children establish themselves financially in the future.

Your parents are elderly and at that age where it makes you think about your own Estate Planning and getting organised. Receipt of an inheritance may also become a reality at this stage of life and might also be the catalyst for these shifting perspectives, re-evaluating the path you are on.

Characteristics

• One or both partners are likely in the highest earnings stage of their professional lives. Combined, you are earning more than $400,000 p.a.
• Superannuation has been the main vehicle for wealth, potentially a residential property investment and some shares. You might simply be accumulating cash, unsure about what to do and when.
• Often at a stage of life where perspective on the future shifts, with significant changes for the family on multiple fronts.
• It is a priority to focus on making smart financial decisions, as there is more clarity around the future and what’s important to you. You can also see the finish line, which is both exciting and scary.

Common Challenges/Aspirations

• Invest some time to really understanding your financial position and capabilities.
• Be deliberate and true to your values. Build a strategy around these.
• The home is close to being debt free, if not already. A great achievement, but what’s next?
• There is a strong cashflow surplus and you aren’t sure of the best way to allocate it.
• You no longer want the headache of dealing with tenants and issues relating to a property investment. You value time, efficiency, simplification and outsourcing. How do I align my investment strategy with my needs?
• Your wealth has grown to the point you need a fiduciary to nurture and protect it.
• You want more life/work balance but know you also need to continue building wealth for a long and enjoyable retirement. You also want to build a legacy for future generations.

Key Advice Areas

• Management of Financial Capital across multiple tax structures.
• Tax & Structuring advice
• Strategic Planning & Career Scenarios.
• Estate Planning & Intergenerational Wealth Transfer.

You have decided the time is right to cease working for income and direct your energy to other pursuits - including spending more time with family, friends, leisure, travel, volunteer work, and more.  

You are approaching the end of your career(s), or already in retirement, and looking forward to the future with anticipation and perhaps a measure of concern for how to manage the funding and lifestyle changes associated with retirement.  Your Human Capital years (i.e. generating income from your personal effort) are behind you, and your future cashflow will be funded from your accumulated Financial Capital.  If you do continue working, it is by personal choice and not financial necessity.

Management of your Financial Capital in a prudent and responsible manner is critical - to ensure you fund your long-term cashflow needs for your multi-decade retirement years, but also doing the things you have been dreaming of when you have time and capacity to do them.

Characteristics

• Approaching the end of your working life, or already in retirement.
• Any children are now adults and are financially independent.
• You have fully repaid your home mortgage. Any remaining debt you have is against income generating financial assets.
• You have accumulated net investment wealth of at least $2 million inside and/or outside superannuation.
• You want a relationship with trusted Advisors to guide you through the complexity of self-funding retirement, optimise your financial position and structures, and keep you on-track throughout your retirement years.

Common Challenges/Aspirations

• Answering the question – “Do we have enough to retire?”
• Funding your long-term (multi-decade) retirement lifestyle.
• Meeting multiple important objectives from accumulated Financial Capital - funding desired lifestyle as well as long-term essential cashflow requirements.
• Getting the mix right – not over-spending nor under-spending in the early retirement years.
• Possibly assisting adult children financially, whilst not detrimentally impacting your own retirement.
• Managing risks – volatility, change in circumstances, longevity, etc.

Key Advice Areas

• Strategic Planning
• Financial Capital
• Minimising Tax
• Estate Planning

You have accumulated significant wealth, potentially through either the sale of a successful business or long tenure in a professional career (lawyers, doctors or executives of ASX listed companies), and have more than enough to meet your lifestyle needs.

While you may continue working, you do so, because you enjoy it, or you spend time giving back.

You may be any age and family situation but you are looking for someone you trust, who can develop a meaningful plan to protect, grow and distribute your wealth in an impactful way. You are looking for more than how to invest their capital, but rather, a whole of wealth partnership.

You want to be long-term and strategic about allocating your wealth, but do not want to be consumed by the management of it. Estate and intergeneration wealth planning is a high priority, as is being busy enjoying other aspects of life. So being able to outsource a lot of your “day to day financial functions”, is important.

Characteristics

• One or both partners are either approaching retirement or retired.
• Household assets of $20M or more.
• Multiple property assets, financial structures, and complicated tax considerations.
• Multigenerational advice required.
• Accustomed to partnering with trusted advisors or outsourcing to subject matter experts.

Common Challenges/Aspirations

• Transitioning to retirement and understanding how high regular income is replaced by a large asset base.
• Structuring assets and entities to maximise income, minimise tax, protect assets and maximise estate objectives.
• Assisting children with major financial acquisitions, while protecting assets.
• Complicated Estate and Intergenerational Planning

Key Advice Areas

• Management of Financial Capital across multiple tax structures.
• Foreign assets and associate tax complications.
• Tax Advice
• Strategic Planning
• Estate & Intergenerational Planning

The realisation that an older person may require higher levels of care often happens quickly. It may be that their carer is struggling with the demands of growing dependence, or it may no longer be safe for someone to remain at home alone. Frequently, family and friends are tasked with finding suitable care for their loved one at short notice. It is an emotionally-charged time for all involved, and the fee system is extraordinarily complex.

Characteristics

• Looking for more support at home or feeling like your care needs can no longer be met at home.
• Children assisting their parents or grandparents to find more appropriate full-time care arrangements.
• Siblings and other family members, close friends or carers looking to closely support higher care needs and a transition into full-time care.
• Nominated Powers of Attorney seeking to ensure they meet their obligations to protect a vulnerable person.

Common Questions & Challenges

• We have been referred for a Home Care Package. What is it going to cost?
• It’s not safe for them to go home. Where do I start?
• How do I choose the right place? Is it affordable?
• Do I have to sell my home?
• How quickly do I need to make decisions?
• I’m overwhelmed by the number of fees, and the complexity of fee calculations.
• How do I make sure we don’t make any financial decisions that we will later regret?
• Will aged care fees erode all my assets?
• Will my social security entitlements be impacted?
• I’m concerned that others may not be acting appropriately, influencing decisions or misusing a powerful position.

Our service is designed to help you through the financial steps involved in the transition into Aged Care.

Whether you are facing a decision around Aged Care now, or looking to prepare yourself or a loved one for higher care needs, our service gives you the confidence to make the best financial decisions for your loved one, allowing you to focus on what’s most important: time with and personal support for them.