PART 1 OF 3: PRIVATE WEALTH MANAGEMENT
Strategic Advice
Clear decisions across wealth, tax, risk and structure.
Strategic Advice is where clarity begins. We help you understand your goals, assess the opportunities and risks, and bring structure to the financial decisions that shape your future.
Context shapes strategy
Important decisions rarely affect just one part of life.
Five common decisions
The full picture is rarely one-dimensional.
“I have been offered a senior role. It feels like the right next step, but it will change how we live.”
“We would like to help the children buy a home, but we do not want to compromise our own plans.”
“The business is becoming less dependent on us. Maybe it is time to consider what comes next.”
“We have more property than we need. Should we sell, renovate or keep it for the family?”
“We are ready to step back from work, but we are not yet sure what retirement should look like.”
“The team took the time to learn about us, and understand the full picture of our family situation - beyond just the finances. ...they were able provide more considered and pragmatic advice for us, at this stage in our lives.”
Our strategic advice
What Strategic Advice Can Cover
01. Foundation
Personal Wealth Planning
Building a clear plan around your goals, resources, responsibilities and long-term financial direction.
- Define what matters most
- Align your money with your values
- Create a plan that adapts as life evolves
02. Modelling
Strategic Modelling
Testing scenarios so you can understand trade-offs, timing, cash flow and potential outcomes before decisions are made.
- Compare different pathways
- Understand trade-offs clearly
- Make decisions with better context
03. Structure
Superannuation & SMSF
Considering superannuation strategy, contribution planning, pension structures and SMSF matters where appropriate.
- Review contribution opportunities
- Consider pension structures
- Align superannuation with broader goals
04. Tax-aware
Tax Planning
Working alongside your accountant to help ensure decisions are considered through a tax-aware lens.
- Coordinate with your accountant
- Consider tax implications early
- Support better after-tax outcomes
05. Resilience
Wealth Protection
Identifying risks to your financial position and considering strategies to help protect family wealth over time.
- Identify key financial risks
- Protect family wealth
- Build resilience into your plan
06. Protection
Personal Risk Insurance
Reviewing the role of personal insurance in protecting your family, lifestyle, income and financial commitments.
- Protect income and lifestyle
- Review existing cover
- Align insurance with your commitments
07. Flexibility
Debt Advice
Considering debt structure, repayment strategy and the role of borrowing within your broader financial plan.
- Review your debt structure
- Consider repayment strategies
- Support flexibility and cash flow
08. Purpose
Philanthropy
Helping families think through giving strategies, charitable structures and the role philanthropy can play in a living legacy.
- Clarify your giving objectives
- Consider suitable structures
- Align generosity with legacy
09. Family Care
Aged Care
Supporting families through aged care decisions, including financial considerations, cash flow and family coordination.
- Understand care funding options
- Coordinate family decisions
- Plan for future care needs
01. Foundation
Building a clear plan around your goals, resources, responsibilities and long-term financial direction.
- Define what matters most
- Align your money with your values
- Create a plan that adapts as life evolves
02. Modelling
Testing scenarios so you can understand trade-offs, timing, cash flow and potential outcomes before decisions are made.
- Compare different pathways
- Understand trade-offs clearly
- Make decisions with better context
03. Structure
Considering superannuation strategy, contribution planning, pension structures and SMSF matters where appropriate.
- Review contribution opportunities
- Consider pension structures
- Align superannuation with broader goals
04. Tax-aware
Working alongside your accountant to help ensure decisions are considered through a tax-aware lens.
- Coordinate with your accountant
- Consider tax implications early
- Support better after-tax outcomes
05. Resilience
Identifying risks to your financial position and considering strategies to help protect family wealth over time.
- Identify key financial risks
- Protect family wealth
- Build resilience into your plan
06. Protection
Reviewing the role of personal insurance in protecting your family, lifestyle, income and financial commitments.
- Protect income and lifestyle
- Review existing cover
- Align insurance with your commitments
07. Flexibility
Considering debt structure, repayment strategy and the role of borrowing within your broader financial plan.
- Review your debt structure
- Consider repayment strategies
- Support flexibility and cash flow
08. Purpose
Helping families think through giving strategies, charitable structures and the role philanthropy can play in a living legacy.
- Clarify your giving objectives
- Consider suitable structures
- Align generosity with legacy
09. Family Care
Supporting families through aged care decisions, including financial considerations, cash flow and family coordination.
- Understand care funding options
- Coordinate family decisions
- Plan for future care needs
When clarity matters most
Strategic advice is valuable when decisions carry broader consequences.
Major transitions
Retirement, business sale, inheritance, redundancy, aged care or other life events that change your financial position.
Complex structures
Superannuation, SMSFs, trusts, companies, debt arrangements or family wealth structures that need to work together.
Competing priorities
Balancing income, tax, investment, protection, lifestyle, family support and long-term flexibility.
Family responsibilities
Supporting children, caring for parents, planning for wealth transfer or preparing the next generation.
Decisions with lasting consequences
Choices where the right answer depends on timing, trade-offs, risk and the broader picture.
Our approach
A process designed to create clarity
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01
Understand
We begin by understanding your family context, financial position, structures, objectives and current advice arrangements.
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02
Model
We test scenarios and identify the trade-offs between different paths, including timing, cash flow, tax, risk and flexibility.
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03
Advise
We develop clear recommendations and explain the reasoning behind them, so you understand the purpose of each decision.
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04
Coordinate
Where required, we work with your accountant, lawyer, lender or other professional advisers to help ensure implementation is coordinated.
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05
Review
As your circumstances change, we revisit the strategy so it remains aligned with your goals and responsibilities.
Advice that sits in context
We connect the right people to support better decisions.
“I have complete confidence in their advice, as they have taken the time to get to know us and our goals.”
The outcome
Better decisions, made with confidence
Clarity
You understand your position, your options and the reasoning behind the advice.
Structure
Your affairs are considered across wealth, tax, risk, debt and family responsibilities.
Confidence
You can make decisions knowing the broader implications have been considered.
Continuity
Your strategy can evolve as your circumstances, family and priorities change.
The starting point
Strategy is where integrated wealth begins.
Start a conversation
A clearer path begins with a conversation
Whether you are considering a significant decision, reviewing your current arrangements or simply want greater clarity, we would be pleased to hear from you.
(03) 8696 4133