What we do to help

We provide comprehensive wealth management services in conjunction with other trusted advisers in our professional network. We take a holistic view of your life and review all aspects of your finances. Here are some of the questions you may wish to consider.

Cash flow management

Accumulating wealth is like a football game where you must play good offense and defense to win. Earning a high income is the offense and controlling your spending is the defense. How are you playing the game?

Investing

Compound interest – Albert Einstein called it the 8th wonder of the world. It can produce great wealth if a reasonable return is compounded over sufficient time. Are you making the most of it by starting as early as possible and letting time do the hard work?

Superannuation

Superannuation is the best legal tax shelter. When combined with the power of compound interest, it accelerates the wealth creation. Are you taking full advantage of the tax benefits you’re entitled to? Self-managed super funds (SMSFs) have pros and cons and are not for everyone. Would it be a good option for you?

Gearing

Borrowing to invest can accelerate your wealth creation effort, but not without risks. Is it a good strategy for you?

Debt management

Is your loan arrangement as efficient as it can be? Can it be better structured to save costs?
Should you pay down debt or invest with surplus cash flows?

Wealth protection

You and your loved ones enjoy your lifestyle now and are happy with the way everything is going. What would be a shame if you lost it one day due to unforeseen events. What risk management or disaster control measures have you put in place to protect you and your family?

Retirement planning

Can you picture your life after retirement? How will you spend your time, energy and skills? How do you ensure you have sufficient income to fund that lifestyle not just at the time of retirement, but 10, 20, or 30 years later when the cost of that same lifestyle will have more than doubled due to inflation?

Aged care

How is the health of your parents if they are still living? Are you expected to contribute to their care at some point? Have the family members discussed plans for their personal and nursing care in old age?

Estate planning

Have you made plans, in the event that something were to happen to you or your spouse, for your assets to be transferred to the beneficiaries according to your wishes in a timely and tax efficient manner without causing conflicts among family members?

Gifting

How important is it to you to be able to intervene in the financial lives of your children and grandchildren – while you’re still here? How do you plan to do it?

Charitable giving

Is there an institution that you care deeply about – a church, charity or school, for example – to which you would wish to leave a meaningful legacy, assuming we could create a highly tax-efficient way for you to do so?

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