Wealth Management & Financial Planning

Tax & Financial Planning, Superannuation, Self-Managed Super Fund Advice & Administration.

Tax Planning

Pay all the tax you have to – but no more.
Tax planning means managing your financial affairs such that the amount of tax you pay is legally minimised as much as possible.

Optimising your tax planning unlocks enormous potential for your financial plan. In fact, getting the tax planning right is typically more important to your financial performance than just about any other aspect – including things like choosing the right investment.

Good investment can turn bad if tax bills are bigger than expected.

Australia’s taxation system is deliberately designed to encourage people to do some things and not do others. This means that when we take advantage of quality tax planning we are actually doing exactly what the community wants us to do.

That said, it can be difficult to know exactly what the community wants you to do! Australia’s taxation rules are complex – in fact, according to the government itself, each Australian faces a potential 125 that they are liable to pay.

It is imperative to seek qualified, quality tax advice provided by someone who is legally allowed to provide it.

All tax planning services arranged by our firm meet this criterion.

Even better, by having us arrange your tax planning, you can be sure that the management of your tax obligations complements all other elements of your financial plan.

No more situations where one hand does not know what the other hand is doing. The tax impact of everything you do is thought through before we recommend you do anything.

Financial Planning

Address your financial profile & realise substantial benefits.

Failing to plan is planning to fail.

Financial planning means managing all aspects of your financial situation.


We provide a comprehensive financial planning service that brings together all elements of your financial profile.

Each of these elements is important in its own right and making positive changes in any one area will provide substantial benefit.

But the real benefits come when two or more of these elements are addressed together. That is when your financial profile really starts to sing.

Our plans address the below financial profile elements:
  • Risk insurances
  • Debt & debt management
  • Cashflow & income management
  • Career planning
  • Superannuation
  • Retirement
  • Aged Care
  • Estate planning


It is super not just by name!

Super should be incorporated into your thinking about every aspect of your finances.

Most people think of superannuation as a tax-favoured way of saving for retirement; for employees, it is compulsory, for self-employed people, it is optional, for everybody, it is a great idea.

But superannuation is about more than retirement planning. It is actually a cornerstone of most people’s financial plan. This is because ‘super’ touches every other aspect of your financial planning.

The way you manage your super impacts on how you manage your insurances, your other investments, your tax planning, your retirement planning, your marriage, your divorce, how and when you might help your adult kids out financially, your estate planning and even how you repay your own mortgage.

There are three types of super fund: retail funds, industry funds and self-managed superannuation funds. Different clients are suited to one or more of these types, and sometimes it makes sense to use more than one type in combination.

We help you select the best type of superannuation fund and help you make the best use of whichever option you take.

If you decide to manage your own super (a ‘self-managed super fund,’ or SMSF), we assist with all facets of establishing and maintaining this fund. This includes the facilitation, through our legal team, of all documents needed to start and then make best use of your fund.

Self-Managed Super Fund Advice & Administration

A self-managed super fund is one that the members manage for their own benefit.

Self-managed super funds (SMSFs) are one of the most popular ways for Australians to hold their super benefits.

SMSFs allow for maximum control over super benefits, which in turn means that super benefits are managed in ways that complement all other elements of a financial plan.

This includes, of course, your estate planning (super benefits are not generally subject to your will and therefore you need to make specific arrangements for the posthumous management of super benefits).

Correct planning also typically allows SMSFs to be the most efficient way for retirement benefits to be held.

Our comprehensive SMSF service ranges from establishing a new SMSF, to managing contributions into and investments by new and existing funds, to ensuring that the fund complies with the various aspects of super law to which it is subject.

We can also assist you to utilise your SMSF to optimise your life insurance arrangements.