Wealth brings opportunity, but it also brings complexity. For affluent Australians and high-net-worth individuals, Financial Planning is more than paying off the mortgage and saving for retirement; it’s about structuring wealth to live the life you want and to create a legacy.

We help people decide whether to sell or keep their investment property based on a cost/benefit analysis and whether the strategy fits their wider goals and objectives.

A Financial Plan is the key deliverable of the Financial Planning Process. It contains the recommendations, reasons for recommendations, alternatives considered and financial modelling. It helps show clients how the advice will put them in a better position.

As we have demonstrated, purchasing both ETFs and property can be a good strategy for you depending on the circumstances. We have deliberately not concluded which performs better because the answer really is – it depends. The long-term average of quality high growth ETFs and quality investment properties is likely around ~9% per annum net, however the key word here is: quality. Purchasing inferior investments can lead to a much lower investment rate of return.

We are pleased to report that both of these issues have been addressed and that the proposed tax will no longer be applied to unrealised gains, and the cap will be indexed. However, it is not all good news for high net worth individuals: The government has instead proposed an additional amendment that balances above $10m would incur tax at 40%. This change is interesting because as the visual shows, for high net worth individuals, for the first time, superannuation could no

When you retire after age 60, most people can convert their super to a tax free pension income account. If you have no other personal investments, or the income generated is less than the tax free threshold (~$20,000) per annum, then negative gearing is no longer useful as you have no taxable income to be able to deduct.

By not paying enough attention, you could be leaking thousands of dollars a year in expenses that provide you no value! Think about all the things you could be doing with that money instead, and take action on eliminating waste!

When you have been through a serious personal injury, disability or illness it is imperative you receive financial advice to ensure you make the best decisions with your proceeds. our role is to: Determine which strategy outcomes to take and to optimise, Minimise overall tax, often via the use of Account Based Pensions (where applicable), Minimise TPD tax (where applicable) , Maximise Centrelink Disability Support Pension (where applicable), Help people invest their money,

FIRE is a lifestyle and financial movement that focuses on achieving financial independence earlier than the traditional retirement age. We explore this movement in the context of Australia.

$310,000 per annum is of course an arbitrary number (albeit using the best average data possible) and we know that clients of all shapes, sizes and income levels perceive financial advice value in different ways. There are many clients who may earn less than this figure and are happy to pay several thousand a year in Financial Advice fees for clarity, peace of mind and to improve their financial wellbeing.

Our data reveals, the average family is also able to save $45,705 per annum. How do you compare?

Australia's ageing population is creating extra demand for Aged Care services. As such, we are seeing more clients (and most particularly their Powers of Attorney - often their adult children) reach out for financial advice. Aged Care is a complex, time consuming and often emotionally draining task, and we are here to help.

The FHSSS can be a highly effective strategy for getting into the housing market quicker than saving in a bank account alone due to the tax and investment return benefits.

Our Advice Need Assessment tool is available on our website and includes 10 weighted non-financial and financial questions to help us, and prospective clients determine whether they may be a good fit for Financial Advice, in under 3 minutes.

It is estimated that 1 in 3 lottery winners end up running out of money within 3 to 5 years, because they do not have a clear Financial Plan to follow! A Financial Plan can help prevent: lifestyle inflation, pressure from others, poor investment decisions and strategy design.

Both generations views are correct in the context of their lived experience: the cost of housing has become more expensive and the cost of discretionary items has reduced.

Special Disability Trusts (SDTs) are a legal structure in Australia designed to help families provide for the long-term care of a loved one with a disability by providing asset protection, tax savings and Centrelink exemptions.

Whilst in the process of, or after a divorce we can help you to make good financial decisions. 

You have three main options for utilising the profits in your business (or you could choose a combination of all three): Reinvest the profits in your business, Retain the earnings (either to create a cash buffer or to invest) or Take a larger salary or additional dividends. Let's unpack the pros and cons of each!

The choice of your first property purchase is one of the most important financial decisions you can make due to: Capital Growth Variability (and opportunity cost), Large Transaction Costs (such as Stamp Duty and Lenders Mortgage Insurance) and Each property having potential for fundamental flaws and defects.