There is no universal definition of a good investment. The appropriateness of an investment depends on your individual goals. Factors you should consider when investing include:

• Your financial goals
• Your appetite for risk
• Your age
• Your investment experience

For example, if you’re a young professional, then it might be a good idea to buy shares in a growing company. Conversely, fixed-interest investments and high-dividend shares might be more appropriate for you as a retiree (our Melbourne retirement planning specialists can help with that).

The best way to discern a good investment is to be crystal clear on what the investment actually is and why you’re making it. As your wealth management team, it’s our responsibility to ensure you have that clarity.

That depends on when you want to be able to access your investments. Investments made into super can only be accessed after retirement. Therefore, super investments can be a good idea if you’re trying to make your golden years shine. You may even be able to enjoy those investments tax-free. 

However, if you’re looking to build wealth that you can use earlier in life, to buy property for example, then putting your capital into your super may not be the wisest move. 

The smart move would be to get in touch with a reputable SMSF accountant in Melbourne who can talk you through your options.

Borrowing is an excellent and common way to create wealth. Accessing the equity in your home can allow you to afford the investments you’re after and meet your life goals. 

Of course, borrowing does come with risks. Not all risks can be removed — the best you can do is minimise and prepare for them. We’ll work with our Melbourne lending specialists to help you discern the loan strategies that are most feasible for you.

Melbourne’s economic landscape is shaped by unique factors, from the city’s property market trends to its thriving small business and tech sectors. A local wealth manager understands these conditions and can tailor your investment and financial strategies accordingly.

They take into account:

• Victoria-specific regulations and tax structures
• The cost of living in Melbourne, particularly in affluent suburbs
• Sector growth in areas like biotech, professional services, and construction
• Property investment opportunities in inner-city and growth corridor suburbs

This local context helps ensure your portfolio isn’t just diverse, but aligned with Melbourne’s economic pulse.

Succession planning is often one of the most complex aspects of family wealth, and it’s especially critical in Melbourne, where many multi-generational family businesses are deeply embedded in local communities.

A wealth manager helps you:

• Identify and prepare future leaders within the family
• Structure ownership transitions to protect tax outcomes
• Manage intergenerational tensions and goals
• Coordinate legal, financial, and emotional components of the transition

They’ll also often work closely with your legal and accounting teams to ensure a cohesive strategy that meets both personal and business objectives.

Yes. Many high-net-worth individuals in Melbourne choose to incorporate philanthropy into their financial planning, whether via private ancillary funds (PAFs), charitable trusts, or direct giving structures.

A good Melbourne-based advisor can:

• Help you structure tax-effective giving vehicles
• Connect you with local philanthropic networks and causes
• Manage long-term oversight of your fund or trust
• Integrate philanthropy into your estate and legacy planning

Absolutely. Most experienced wealth managers have long-standing networks of Melbourne-based professionals (including estate planning lawyers, tax agents, and SMSF accountants) to provide seamless, cross-disciplinary advice.

This collaborative model ensures that all aspects of your financial life are aligned, especially when:

• Structuring complex investments
• Managing tax across business and personal accounts
• Coordinating estate planning or trust management
• Planning generational wealth transfers

While financial planners and accountants offer essential services, wealth advisors provide a more holistic, strategy-first approach, especially valuable for individuals with complex assets or multi-generational goals.

In Melbourne, this can be particularly useful if:

• You hold significant property or business assets
• Your financial life spans across multiple entities or structures
• You’re planning succession, philanthropy, or long-term legacy building
• You want a single strategic view of your overall financial picture

A local wealth advisor helps bring together these moving parts into a cohesive, future-focused plan.