We create diversified and transparent portfolios that are aligned to what you’re trying to achieve.
We’ll educate you, set realistic expectations and manage your emotions through the ups and downs of markets.
Getting your portfolio right is about more than asset allocation, index funds, and asset manager selection. It’s about timeline, temperament and expectations.
We don’t use confusing ‘risk profile questionnaires’, and instead take a unique approach we’ve coined ‘intentional investing’.
For the right clients, we manage portfolio’s via a separately managed account (SMA). In short, this means that the portfolio is managed in a highly dynamic way to navigate changing investment & economic conditions, with an in-depth approach to assessing asset managers across performance, people, process and fees.
For wholesale clients, we have access to private market opportunities across real estate private debt, private equity, venture capital, sustainable investments and more.
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FAQs
While the industry has been treating people like walking wallets, we’ve recreated and redefined financial advice - we call it financial life management. It’s based on the understanding that your life and finances are inseparable, and money is just a resource to give you choices and help you live the life you want.
No. We don't have custody of your money. Institutions such as banks and super funds will likely be the custodians of your money, and they have the responsibility to manage your assets securely.
We focus on proven investments such as cash, term deposits, shares, ETF’s, managed funds, and property. We avoid overly speculative investments and get rich quick schemes. We have access to private market opportunities including private equity, venture capital, real assets, and hedge funds. This diverse set of assets encompasses a broader range of strategies, that allow investors to generate absolute returns uncorrelated to traditional investment markets. Private market opportunities are generally appropriate for clients with portfolios exceeding $2m.
We consider individuals and families with $2 million or more investable financial assets (excluding their home) to be high-net-worth.
There are the traditional asset classes of shares, property, bonds and cash. Beyond these, alternative options include private equity, venture capital, direct bonds and wholesale property syndicates. Of course, what's suitable will depend on your goals, timeframe and temperament for investing.
For the 24-25 financial year, you can contribute up to $30,000 in concessional (before-tax) contributions and $120,000 in non-concessional (after-tax) contributions. If eligible, you may use the bring-forward rule to contribute up to $360,000 in non-concessional contributions all at once. For a couple, that's $720,000.
Yes. It can be hard to understand what impact your choices, strategies and investments will have on goals and financial future. We use market-leading financial modeling to help you understand if you’re on track, and give you context for important decisions along the way.
It depends on your goals and circumstances. What's best may be one or a combination of those strategies. Making super contributions often creates a better financial outcome due to the tax deductions available, however, what’s optimal varies based on income levels, interest rates, proximity to retirement and the emotions associated with debt and share markets.
If you're more than a decade from retirement, a high-growth approach to your super is probably best. This means a heavy focus on shares and, to a lesser extent property. This will likely maximise your long-term returns and increase the funds you have to live the retirement you want. If you're closer to retirement, you'll require more careful planning based on your proximity to retirement, the income you need in retirement, and some tactics to minimise the impact of a market downturn close to your retirement or in its early years.
Family trusts offer several benefits. They enable trustees to 'stream' investment income to family members on lower marginal tax rates to reduce the overall tax burden on the family or couple. Family trusts can also provide asset protection from business liabilities and legal claims, as well as helping to facilitate intergenerational wealth transfer.
The simplest way to fund your children's private schooling is through your cash flow however, that's not possible for everyone. Others may need to begin a regular savings and investment plan over years or decades to create the capital to cover these costs. This plan can often benefit from utilising an education bond where earnings are taxed at a maximum of 30% within the bond. In some cases, achieving this goal may require refinancing or downsizing the home to unlock equity.
Common structures include family trusts, superannuation, companies and investment bonds. All structures vary in tax rates both for income and capital gains, flexibility, asset protection and estate planning. We'll help you determine the right vehicles to manage your wealth based on your circumstances.
Private markets include assets like private equity, venture capital, private debt and real assets like property, which are not available on public exchanges such as the ASX or S&P500. They offer unique growth opportunities, potential outperformance and reduced portfolio volatility when compared to public markets. However, they typically require longer investment horizons and have lower liquidity compared to public markets. These assets often require patience, as they may take years to fully mature.
There are a lot of variables to carefully consider with employee share schemes. If there is a considerable concentration of your wealth in the company you work for, it's often wise to sell a portion of your shares to diversify. This will reduce your risk by ensuring your financial future isn't a bet on the future success of your employer. In doing so, it's important to understand the tax implications, what you can do to manage capital gains tax (CGT), and have a plan for the proceeds.
To protect your lump sum from a relationship breakdown you should consult a family lawyer. Strategies may include establishing a binding financial agreement, often referred to as a prenup. A binding financial agreement is a legal contract between couples that outlines asset division and financial arrangements in case of relationship breakdown. This will Keep detailed records of assets acquired before the relationship to help distinguish them. Maintain separate accounts for inherited or gifted funds to clarify their origin. It's also important to seek legal advice on additional asset protection strategies and regularly update your estate planning documents to ensure your wishes are respected.r
One-off financial advice fees are generally deductible to the extent that they relate to tax advice. Ongoing financial advice fees are generally deductible to the extent that relate to producing assessable income. Before claiming a deduction, we recommend sharing your Summary of Advice, invoices, and our estimate on what may be deductible to you with your qualified accountant.
