The award-winning financial advisors Melbourne trusts

Many of our clients are senior professionals or business owners based in the CBD who want to secure a strong financial position before stepping back from work. A local advisor will tailor a pre-retirement plan based on income structures, superannuation, and any business equity you may be transitioning out of.

This typically involves:

• Reviewing superannuation contributions and transition-to-retirement strategies
• Assessing tax-effective income splitting or salary packaging
• Planning for asset protection and risk mitigation before retirement

Face-to-face reviews are often preferred for these types of discussions, and our Melbourne team offers full support in that setting.

Yes. While tax legislation is national, high-income earners in Victoria, particularly those earning income through trusts, companies, or investment portfolios, face unique structuring opportunities and risks.

A Melbourne CBD financial advisor will coordinate closely with your accountant to optimise:

• The timing of income recognition and distributions
• Franked dividend strategies and capital gains offsets
• Use of family trusts and corporate beneficiary structures

Our clients often require tailored tax planning that balances compliance with long-term wealth accumulation goals.

For business owners in Melbourne CBD, succession planning is rarely straightforward. It often involves transitioning assets, resolving shareholder agreements, and preparing for the tax impacts of an ownership change.

An experienced financial advisor can help you clarify your objectives, value your personal and business assets, and model the impact of different exit strategies. We also work closely with lawyers and accountants to make sure the handover is financially and legally sound.

Yes, and it matters. Under ASIC’s regulatory framework, which applies nationwide including Victoria, financial advice is categorised as either "general" or "personal."

Personal advice must consider your individual financial situation, goals, and needs. It is subject to stricter compliance rules and must be delivered by a licensed advisor operating under an AFSL. All of our Melbourne CBD advisors are fully licensed and authorised to provide personal advice that meets these requirements.

Absolutely. Many of our Melbourne CBD clients own investment properties across Victoria and interstate, and regular portfolio reviews are essential.

We help assess:

• Property yield and capital growth performance
• Tax impacts across state lines
• Whether to retain, divest, or refinance based on your overall strategy

We also factor in Victoria-specific changes to land tax, ownership thresholds, and market forecasts.

With the Division 296 tax targeting balances over $3 million, high-net-worth couples in Melbourne are seeking strategies to manage super accumulation efficiently.

We provide advice on contribution timing, asset reallocation, and strategies like downsizer contributions or non-super investments. These discussions are often part of broader intergenerational wealth planning, especially for CBD clients looking to preserve wealth across multiple entities or family members.

Yes. Many of our CBD clients include philanthropy in their long-term planning. Whether it is through a Private Ancillary Fund (PAF), direct donations, or estate planning, we ensure your giving is structured for maximum impact.

We provide advice on:

• Setting up and managing a PAF or foundation
• Claiming eligible tax deductions under Australian law
• Aligning philanthropic strategies with your legacy and estate objectives

We also connect clients with legal and tax specialists when required to execute more complex giving arrangements.