Financial Planning for Wealthy and High Net Worth People

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.

Creating a Surplus Cashflow Strategy

One of the most powerful features available to wealthy clients is the ability to generate significant surplus cashflow which can be directed into investments to amplify the benefit from compounding returns.

Families that have large household incomes (typically north of $400,000 p.a.) often have more 'discretionary' expenses, and by working with an adviser, can save more for the things that are truly important to them and their values.

Assisting with Tax Planning

Tax is often the single largest expense for high-income earners. We work closely with clients to:

• Identify opportunities to minimise tax through superannuation contributions, trust structures, strategic asset allocation and more.

• Tailor strategies to evolving legislation, so clients remain ahead of the curve. You only need to look at the amount of changes to superannuation over the past decade to know the value of working with an Adviser on an ongoing manner!
  

Giving Clients Time Back

Affluent individuals value their time as much as their money. By delegating personal financial planning analysis to us, clients reclaim hours each month. We provide clear, actionable insights so they can focus on their careers, businesses, and families; while knowing their financial affairs are being managed with precision.

Protecting Hard-Earned Assets

Wealth protection is as important as wealth creation. We help clients safeguard assets against risks such as litigation, market volatility, and unforeseen life events.

This may involve:

• Insurance strategies to protect the lifestyle you have worked hard for.

• Asset protection through trusts and corporate structures.

• Estate planning to ensure wealth is preserved for future generations, often via testamentary trusts.
  

Defining and Achieving the Ideal Life

Financial planning is not just about numbers: it’s about purpose. We work with clients to define their ideal life, whether that means early retirement, philanthropy, global travel, or supporting family across generations. Every strategy is designed to align financial outcomes with personal aspirations.

Structuring SMSFs, Businesses, and Family Trusts

Many wealthy Australians hold wealth through SMSFs, businesses, and family trusts. We provide guidance on:

• SMSF investment strategies and compliance with your obligations.

• Business succession planning and tax structuring, including assessing eligibility for small business CGT concessions.

• Family trust management to provide strategic investment advice which maximises control and minimises taxes.
  

Other Relevant Areas for Affluent Clients, we also assist with:

• Accessing Unique Investments: Whilst 'tradition' investments like shares, property and fixed interest products are the bedrock of good investment strategies for good reason, high net worth clients often also want a portion of more boutique investments in their portfolios. For example, geared share funds or private equity funds can offer clients with long investment timeframes and significant diversification, the opportunity to benefit from the 'gearing' and 'illiquidity' premiums.
  

• Philanthropy and legacy planning: Ultra High Net Work clients may be interested in establishing charitable structures (Private Ancillary Funds) that create lasting impacts for causes they are passionate about.
  

• Intergenerational wealth transfer: Ensuring smooth, tax-effective transitions of wealth to children and grandchildren. For instance, we see many clients wanting to help their adult children get into the difficult property market.
  

• Executive compensation planning: Optimising stock options, RSUs, and performance shares for senior executives. We provide the advice on whether to hold, sell or buy more!
  

If you are a wealthy or high net worth individual/family and this blog resonated with you, you can:

Book Free Chat