High Income Earners

There are a range of concerns that need to be addressed for high-income earners:

  • Given the high proportion of income that is paid in tax, ways to minimise this liability are repeatedly a high priority concern. A range of both basic and advanced tax strategies and investment options can be explored to this end.
  • Appropriate types and amounts of insurance cover; given that most are employed in specialist occupations, this takes greater time and a more detailed investigation to ensure that cover is appropriate for your circumstances.
  • Asset and debt structuring can be key to successful tax, personal liability and wealth creation planning. This theme then carries over into estate planning as situations are usually more complex and greater planning is required to ensure that all aspects of your affairs are dealt with, according to your wishes.
  • Given that there is usually a larger amount of investment capital available to work with, ensuring that your portfolio is well diversified across a range of different asset classes and investment types is crucial to managing your overall level of risk and minimising the impact of fluctuating investment values.
  • Keeping your costs under control over a range of structures, loans and investment options should be key. Finding fair value across all aspects of your situation should be

We can help to assess your situation and identify areas for opportunity and improvement i.e. tax and cost efficiency as part of an overall wealth creation plan that incorporates specialist strategy advice on areas like SMSFs, trusts, complex estate plans, advanced investment strategies and international assets like overseas pensions, properties or investments.

Property

Whether you are looking to buy your first (or 10th) investment property or a family home; we can advise you on the “why” and “how” of buying property. We can also help with advanced property investment strategies including commercial real estate and buying a property within a Self-Managed Superannuation Fund (SMSF). Learn more

Superannuation & SMSF

We start with an analysis of your current super, explain your numerous options and then work with you to tailor a long-term plan that’s right for you. Advice strategies can include a range of contributions, tax minimisation, cost reduction, super consolidation, performance maximisation and specialist SMSF options. Learn more

Retirement

Whether you are already retired, in transition or just planning ahead, we can help you make the most of your resources by helping you to formulate a tax-effective investment strategy that caters to your lifestyle needs; taking into account Centrelink eligibility and estate planning concerns. Learn more

Estate Planning

Ensuring that your wealth is transferred according to your wishes, in a smooth and tax-effective manner, is key to your peace of mind. We can help you to plan for your dependants with efficient tax and ownership structures, revision and monitoring of your estate plan and income planning. Learn more

Insurance

Building your wealth is just as important as protecting it. Illness, injury and death all have a significant impact on both your family and finances. We can help to make sure that you look after yourself and your loved ones with an assessment of your financial risk and implementation of a tailored risk-management package. Learn more

Lending

Whether you are seeking to refinance your existing loans or are looking at using new debt to fund either personal, business or investment goals, we can assist by assessing your borrowing capacity, advising on loan structures, shopping around for an appropriate lender and making sure you have access to the most competitive interest rates. Learn more

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If you are ready to start making changes to your financial future and meet with an expert adviser, please make an appointment using the form below.

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