Wealth creation structures
The question is not only what you invest in, but who or what owns it
Ownership is a strategic decision
Structure determines how income is taxed, how assets are protected, how flexibly wealth can be moved between generations, and what happens if circumstances change unexpectedly. It is one of the more consequential decisions in a financial plan, and one of the most commonly made by default.
There is no structure that is right for everyone. A family trust that suits a business owner with variable income may add cost and complexity for a salaried professional. A self managed super fund gives control, and with it real trustee obligations.
What matters is matching the structure to the circumstances — and being honest when the simpler option is the better one.
Structures we advise on
- Personal and joint ownership, and when it remains the sensible choice
- Family trusts, and how income and capital are distributed
- Company structures and retained earnings
- Self managed superannuation funds (SMSF)
- Insurance bonds for longer-term, tax-paid investing
- Reviewing existing structures that may no longer fit
On self managed super funds
SMSFs attract a lot of attention, and they genuinely suit some people. They also carry administrative and trustee responsibilities that do not go away, and they are not automatically better than a well-chosen alternative.
Where an SMSF is being considered we will model it honestly against the alternatives, including the ongoing obligations, before making a recommendation either way.
More of what we do
Advice rarely sits in one box
Most plans draw on several of these at once. Each one shapes the others
- Wealth creation strategies Building wealth is rarely one decision. It is the compounding effect of many sound ones, made c…
- Tax efficient investment strategies What an investment returns and what you keep are two different numbers. Strategy should account…
- Investment portfolio design and management A portfolio should be the consequence of a strategy, never the starting point
- Financial modelling Nobody wants their financial future determined by assumptions or guesswork
- Budgeting strategies Looking at your spending in a new light could make a substantial difference to your financial f…
- Cash flow management strategies Good cash flow management is what turns a good income into accumulated wealth
The information on this page is general in nature and does not take your objectives, financial situation or needs into account. Consider its appropriateness to your circumstances and read our Financial Services Guide before acting on it.
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