Let us take care of your financial planning needs.
Everyone is unique, so you deserve a unique financial plan.
The optimal strategy for you and your family will depend on your current situation, your short-term and long-term objectives, your investment time-frame, your financial resources and your appetite for risk. We’ll help you explore the options and create a holistic strategy structured around your individual goals.
Your investments are only one part of your life — but they can be the key to unlocking the lifestyle you want to achieve. By considering your finances as one part of a bigger picture, rather than an end in themselves, we can help you create a lifestyle you can enjoy both now and in the future.
To achieve that, we follow a disciplined wealth planning process, designed to unlock your financial potential.
1. Understanding
Whether your aim is to build wealth for retirement, maximise the value of your business, or leave a lasting legacy to your family, understanding your goals is an essential first step. We begin by exploring your lifestyle aspirations in detail, helping you to create concrete and measurable objectives to act as the centrepiece of your plan.
We’ll also clearly outline our services and our fees, so you’ll know upfront what our advice will cost and what you’ll receive in return.
2. Strategy
Once we know where you want to be in life, we’ll develop a strategy designed to help you get there. First, we’ll review your existing investments to ensure they support your goals, identifying any gaps and emerging risks that could impact performance. Then we’ll create an ongoing strategy to maximise your financial potential and protect the lifestyle you have worked so hard to build.
We’ll document our suggested approach in a detailed Statement of Advice, setting out your investment, superannuation and wealth protection options, and bringing your financial strategy to life.
3. Implementation
When you’re happy with your financial plan, we can help you execute it, building and managing your portfolio of wealth creation and protection solutions. In doing so, we work in close collaboration with you and other professional advisers, like your accountant, to achieve the best possible outcomes.
4. Review
We’ll meet with you regularly to advise you on your progress and keep you informed about new opportunities, emerging risks and regulatory changes. So you can relax and enjoy life, confident that your financial future is in good hands.
Wealth creation strategies
Here are some of the wealth creation strategies we may help you explore, depending on your needs:
Strategic asset allocation: Asset allocation is the key to achieving the right balance between risk and return. We’ll help you create a truly diversified portfolio that harnesses the growth potential of asset classes like shares and property, while avoiding excessive risk.
Risk management strategies: Depending on your situation, we may recommend a range of defensive strategies to control specific exposures or reduce overall portfolio risk, including hedging solutions, liquidity strategies, and investments with built-in capital protection.
Super and SMSF’s: With its built-in tax advantages, super is a powerful vehicle for long-term wealth creation, so it’s important to make the most of it. We can help you take advantage of the benefits super has to offer, while navigating an increasingly complex regulatory landscape.
If you are looking for greater investment choice and control, a self-managed super fund (SMSF) can be an attractive choice. We’ll help you manage the complexities of setting up and administering your own fund, developing a personalised investment strategy that maximises your opportunities while keeping risk under control.
Direct equities: With the right advice, Australian and international shares remain an outstanding tool for long-term wealth creation. But in a volatile market, it also takes careful planning to minimise risk. Drawing on research capabilities, we’ll help you create a portfolio tailored to your individual wealth management objectives.
Tax-effective investing: The Australian tax system is enormously complex, creating both legitimate tax minimisation opportunities and pitfalls for the unwary. We can help you explore a range of tax-effective investment options, from geared investments to salary packaging and trust structures.
Contact UsTo achieve your vision for the future, you need a disciplined investment plan structured around your unique goals and life situation. At Portfolio Professionals, we’ll help you create a personalised plan designed to fit your lifestyle, investment objectives, time-frame and resources.
If your investments aren’t delivering the returns you expect, we can help get you get back on track, identifying underperforming assets and finding new options for maximising your growth potential without excessive risk.
Our partnership is built on understanding. From our first meeting, we take the time to explore your individual financial and lifestyle aspirations. Then we follow a disciplined, four-step process to create a personalised strategy, tailored for you.
1. Understanding. We begin by developing a deep understanding of the important issues that will shape your financial plan, including your goals, priorities, financial resources and attitude toward risk.
2. Strategy. Next, we build on our understanding to create a personalised strategy, structured around your goals. In formulating your strategy, we’ll draw on the market insights and our research capabilities.
3. Implementation. Once we have agreed on a strategy with you, we put it into action, creating a customised portfolio tailored to your needs.
4. Review. We continuously monitor your portfolio to make sure you’re on track to achieve your objectives. Then we meet regularly with you and your family to review its performance, explore new opportunities, identify emerging risks, and understand your evolving needs.
We can help you explore a wide range of investment options, including:
Gearing is a proven strategy for multiplying your wealth-creation potential and accessing new investment opportunities sooner. But debt also needs to be carefully managed, both to keep costs under control and to avoid excessive risk. That’s because gearing can multiply losses as well as gains.
We can help you use gearing more effectively, with a disciplined debt management strategy designed to:
Here are some of the debt management strategies we may help you explore, depending on your needs:
Debt recycling and reduction strategies
We’ll work with you to consolidate and restructure your borrowings to drive down borrowing costs and maximise tax-effectiveness. By using your geared investments to generate an enhanced income stream, we can help you accelerate repayments on non-investment debt, such as your home loan, to produce a superior after-tax outcome.
Portfolio loans
By consolidating all of your borrowings in a single, flexible structure, a portfolio loan can help you reduce your overall borrowing costs and leverage the equity you have built up across your portfolio of assets.
Margin lending
Designed especially for share and managed fund investments, margin lending can be a cost-effective tool for rapidly expanding your portfolio without tying down other assets as security.
Structured investments
Structured investments can offer geared access to a selected asset class or a diversified portfolio, designed to generate a predictable combination of income and capital gains over a specified time-frame.
Capital protected loans
Capital protected loans can help you build an instant portfolio without the need to find capital upfront, taking advantage of the power of gearing with less risk.
As your wealth increases and your financial situation becomes more complex, managing cashflow can become a full-time job. We help you make the most of your cash, maximising the return from your short-term cash holdings while ensuring you have money on hand for investment costs, new opportunities, and your immediate lifestyle needs.
Your personalised cashflow management strategy will help you to:
Here are some of the cash management strategies we can help you explore, depending on your needs:
Cash accounts and term deposits
Secure, high-performing options for your short-term cash holdings.
Fixed interest investments
Low-risk investments that produce a predictable income over the medium term, including government and corporate bonds.
Income stream strategies
High-yield investments in property, shares and other asset classes, designed to generate a tax-effective income stream.
SMSFs and trusts
Centralised cashflow management for SMSFs and trusts, streamlining reporting and reducing administrative complexity.
Portfolio administration services
Centralised administration and reporting for every aspect of your investment portfolio.
Cashflow analysis and budget management
Structuring your liquidity and investments to balance tax effectiveness, cash flow needs and cash accessibility.
As your wealth grows, it becomes increasingly important to protect the income and assets that underpin your family’s lifestyle. Unfortunately, even affluent Australians often neglect to protect themselves and their families against the potentially devastating effects of an unexpected death or disability.
Research from the National Centre for Social and Economic Modelling found that that 96% of Australian families with dependent children had inadequate insurance for their current financial needs.*
Without your income, your family could struggle to cover debts and meet everyday expenses. As a result, they could be forced to dispose of assets in an unfavourable market, severely impacting their lifestyle over the long term.
We can help you manage risk and safeguard the financial security you’ve worked so hard to build, with strategies to protect your assets and your family’s financial security.
We can help you explore a range of risk management and wealth protection strategies, including:
Life, Total and Permanent Disability, and Trauma cover
Essential protection for your family, providing a valuable payout if you die, become disabled or suffer one of a range of life-threatening illnesses.
Income protection
Protection for your most valuable asset, ensuring you can continue to support your family’s lifestyle, even if you are temporarily unable to earn an income.
Cash investments
Secure, high-performance options for the cash component of your portfolio.
Liquidity strategies
Investment solutions to generate a reliable cash flow, enabling you to pay down debt, meet everyday expenses or enjoy a stable income in retirement.
Hedging solutions
Strategies to reduce specific risk exposures, including concentrated holdings of company shares or options.
Capital protected investments
Investment strategies with built-in protection, including capital protected loans that enable you to take advantage of the power of gearing while minimising risk.
Key person insurance, business asset protection, revenue protection and ownership
Protection for the key people and assets that underpin your business’ profitability.
* Understanding the social and economic cost of underinsurance, National Centre for Social and Economic Modelling, 2010
Contact UsThe structure you choose for your investments can have an enormous impact on long-term wealth creation. The right choice can help you maximise after-tax returns, enjoy more options for distributing wealth to your family, and protect your wealth from litigation and business debts. But the wrong choice could see you incur unnecessary costs and leave your family with an unexpected tax liability.
At Portfolio Professionals, we specialise in complex advice spanning a variety of structures, including companies, partnerships, self-managed super funds (SMSFs) and family trusts. We can help you select the optimal structure for each element of your portfolio, tailoring your chosen vehicle for your personal circumstances and long-term objectives.
Once your structure is in place, we’ll continue to support you with portfolio administration and advice, taking into account new regulatory developments and emerging opportunities.
Australia’s tax laws are both complex and constantly changing. So effective tax planning requires the most up-to-date research and informed advice.
Your Portfolio Professionals adviser is ideally positioned to help you navigate an increasingly complex regulatory landscape. We also work closely with your other professional advisers, such as your accountant, to help ensure you enjoy the best possible after-tax outcomes.
Here are some of the ways we can help you manage your finances more tax effectively:
When you’re busy enjoying life, retirement can seem a long way off. But with Australians living longer and staying more active in retirement than ever before, your retirement lifestyle is not something to be left to chance.
Your Portfolio Professionals adviser will take takes a holistic approach to retirement planning, with a personalised retirement plan designed to help you enjoy the retirement lifestyle you’ve been looking forward to. Your plan covers every aspect of your financial life, including risk protection and estate planning, so you can be confident that your family’s future is secure.
We develop your plan using a disciplined process, founded on a thorough understanding of your situation and aspirations:
1. Understanding
Retirement is a very personal thing, and everyone has a different vision for their future. That’s why we start by developing a detailed understanding of your lifestyle goals, both before and during retirement. We’ll also clearly outline our services and our fees, so you’ll know upfront what our advice will cost and what you’ll receive in return.
2. Strategy
Having uncovered your financial goals for retirement, we’ll develop a strategy designed to help you achieve them. We’ll review your existing super arrangements to ensure they support your goals, identifying any gaps and emerging risks that could impact performance. Then we’ll create an ongoing strategy to maximise your super, with tax-effective options to boost your contributions and investment returns. We’ll document our suggested approach in a detailed Statement of Advice, setting out your investment, superannuation and wealth protection options, and bringing your financial strategy to life.
3. Implementation
When you’re happy with your financial plan, we can help you execute it, building and managing your portfolio of wealth creation and protection solutions. In doing so, we work in close collaboration with you and other professional advisers, like your accountant, to achieve the best possible outcomes.
4. Review
We’ll meet with you regularly to advise you on your progress and keep you informed about new opportunities, emerging risks and regulatory changes. So you can relax and enjoy life, confident that your financial future is in good hands.
Here are some of the retirement planning strategies we may help you explore, depending on your individual situation:
Salary sacrifice
Making pre-tax contributions through salary sacrifice provides the dual benefit of reducing your taxable income and maximising your super contributions. For someone in the highest tax bracket, that can provide an upfront tax break of 31.5%. And because earnings within super are taxed at a maximum of 15%, you’ll also build more wealth over time than in a comparable non-super investment.
Contribution splitting
For couples where there is a considerable difference in earnings, there can be a significant tax benefit in diverting extra super contributions to the lower-paid partner’s account.
Self-managed super
If you are looking for greater investment choice and control, a self-managed super fund (SMSF) can be an attractive choice. We’ll help you manage the complexities of setting up and administering your own fund, developing a personalised investment strategy that maximises your opportunities, while keeping risk under control.
Retirement income streams
Once you’ve stopped working, the right choice of retirement income stream is essential to fund your retirement lifestyle over the long term. We can help you select the best option for your personal situation, then structure your income to support your changing circumstances.
Wills and estate planning
We can help you explore options for transferring wealth effectively to leave a lasting legacy for your family, including testamentary and family trusts.
You’ve dedicated years to building a successful business with the potential to create significant wealth for you and your family, now and in the future. But it takes careful planning to make the most of that potential and unlock the value you’ve worked so hard to create.
At Portfolio Professionals, we can help you invest the income that your business produces now, and plan ahead to maximise value in the future.
Here are some of the ways we can help you realise its potential:
Business structures
The business structure you choose determines how you can distribute profits to partners and family members, how much tax you pay, and your level of personal exposure to debts and other business liabilities. It also determines your options when you want to leave your business and transfer ownership to a new team. We can help you identify and create the optimal business structure, with a holistic plan for your business and personal finances.
Business succession planning
When the time comes to leave your business, it takes careful planning to maximise the value of your investment and ensure a smooth transition. You also need to consider how you would fund a buyout if you or a business partner needed to leave the business unexpectedly due to ill health or even death. We can help you establish a robust and well-funded succession plan for today, then explore paths for unlocking wealth in the future — from a private equity investment to an Initial Public Offering.
Key person insurance
Without the unique skills that your business partners and key employees bring to the table, you could struggle to maintain revenues, meet overheads and cover business debts. Key person insurance can provide vital protection for you and your business, as well as providing funds for a buyout if you or a partner becomes incapacitated or dies unexpectedly.
Asset protection insurance
Asset protection can provide your business with enough cash to preserve its asset base so it can repay debts, free up cash flow and maintain its credit standing if a business owner or loan guarantor dies or becomes disabled. It can also release personal guarantees secured by the business owner’s assets.
Revenue protection insurance
Revenue protection can provide your business with cash to compensate for the loss of revenue and costs of replacing a key employee or business owner should they die or become disabled.
Ownership protection
This can provide the continuing owners, or their nominees, with sufficient cash for the transfer of the outgoing owner’s equity to the continuing owners, should a business owner die, become disabled, or suffer a critical illness.
Without expert support, managing employee super can be both time-consuming and expensive, distracting key administrative staff from core business activities. We can take care of the complexities of employee super administration, helping you reduce administrative overheads and focus on the tasks that really matter.
By engaging us as your employee super partner, your staff will also enjoy the benefit of authoritative financial advice, including seminars, resources and personalised advice designed to help them prepare for a secure retirement. This provides a valuable employee incentive to help you attract and retain highly qualified staff.
Contact UsYour career is satisfying and demanding — but it also leaves you with little time to devote to your own finances. Meanwhile, as your career progresses, your financial needs are becoming more complex.
At Portfolio Professionals, we act as your personal CFO, with sophisticated strategies to help you manage, extend and preserve your growing wealth. They include expert advice on salary packaging, share and option schemes, tax planning and SMSFs, with specialised solutions to ensure your money works as hard as you do.
Our clients include successful professionals and high-ranking executives from some of Australia’s leading companies, so we understand the unique pressures you face. We support you with exclusive investment opportunities and sophisticated strategies to manage your growing wealth, including salary packaging, tax-effective investing, and tailored strategies to manage a concentrated exposure to your company’s stock.
We follow a disciplined wealth planning process, designed to unlock your financial potential and create a holistic plan for every aspect of your financial life:
1. Understanding
Every client is unique, so we begin by exploring your lifestyle aspirations in detail, helping you to create concrete and measurable objectives to act as the centrepiece of your plan. We’ll also clearly outline our services and our fees, so you’ll know upfront what our advice will cost and what you’ll receive in return.
2. Strategy
Once we know where you want to be in life, we’ll develop a strategy designed to help you get there. First, we’ll review your existing investments to ensure they support your goals, identifying any gaps and emerging risks that could impact performance. Then we’ll create an ongoing strategy to maximise your financial potential and protect the lifestyle you have worked so hard to build. We’ll document our suggested approach in a detailed Statement of Advice, setting out your investment, superannuation and wealth protection options, and bringing your financial strategy to life.
3. Implementation
When you’re happy with your financial plan, we can help you execute it, building and managing your portfolio of wealth creation and protection solutions. In doing so, we work in close collaboration with you and other professional advisers, like your accountant, to achieve the best possible outcomes.
4. Review
We’ll meet with you regularly to advise you on your progress and keep you informed about new opportunities, emerging risks and regulatory changes. So you can relax and enjoy life, confident that your financial future is in good hands.
We’ll work with you to explore a range of advanced strategies and investment options, including:
Direct equities
Drawing on extensive research capabilities, we’ll help you create a portfolio tailored to your individual wealth management objectives.
IPOs and capital raisings
Exclusive investment opportunities from fast-moving emerging companies.
Tax-effective strategies
Investment options and strategies including geared investments, salary packaging, trusts and self-managed super.
Capital-protected investments
Geared investments with the security of built-in capital protection.
Structured investments
Specialised investments structured to generate income or capital gains over a specified time-frame, often with tax benefits.
SMSF management
Tailored support to help you manage the complexities of setting up and administering a self-managed super fund, with a personalised investment strategy for accelerated wealth creation.
Wraps and portfolio administration
Consolidated investment management and reporting.
Trusts
Advice, administration and independent trustee services for a range of private trust structures, helping to safeguard your assets and create a lasting legacy.
Managing your finances across international boundaries can be enormously complex. As well as the usual challenges of creating wealth in an uncertain international environment, you need to deal with the complexities of different national regulatory and tax regimes. And without careful management, foreign exchange fluctuations have the potential to significantly impact your wealth.
At Portfolio Professionals, we specialise in helping Australian and international expatriates manage their investments at home and abroad. Our clients include executives and business owners with extensive holdings in multiple jurisdictions. Drawing on the market insights and research capabilities of one of Australia’s most trusted adviser networks, as well as the wider MLC group, we provide support with wealth management, tax planning and portfolio administration services, both in Australia and overseas.
We can help you with a diverse range of cross-border investment opportunities and strategies, including:
International investments
Direct equity and managed investments in leading investment markets around the world, including both established blue-chips and new opportunities in emerging economies.
Australian and foreign tax planning
In collaboration with our local and international partners, we help you manage the complexities of Australian and overseas tax laws to achieve a superior after-tax outcome.
Investment structures
Complex advice spanning a variety of structures, including companies, partnerships, self-managed super funds (SMSFs) and family trusts, including holding companies and unit trusts.
Wraps and portfolio administration services
Consolidated investment management and reporting for your Australian assets.
Pension transfer services
Advice and support to help you transfer pensions from the UK, US, Canada, South Africa, Europe and other jurisdictions, to a compliant Australian fund, tax effectively.
You’ve worked hard to create a lasting legacy for your family, so that they can enjoy life now and in the future. So it’s important to ensure those assets aren’t eroded when the time comes to transfer them to those you care about most.
That’s where Portfolio Professionals can help. We can help you create a comprehensive estate plan, to protect and transfer your wealth in the long term. We can also help to safeguard your family’s prosperity from unexpected events such as a long-term illness or disability, litigation, a relationship breakdown or even bankruptcy.
Likewise, philanthropy through charitable contributions generates not only goodwill, but also has significant income and estate tax benefits for donors. For wealthy individuals, this may translate into hundreds of thousands of dollars in estate and income tax savings. A great way to accomplish this goal is through the use of charitable trusts.
Your Portfolio Professionals adviser is ideally positioned to help you navigate an increasingly complex regulatory landscape. We also work closely with your other professional advisers, such as your accountant, to help ensure you enjoy the best possible after-tax outcomes.
Here are some of the ways we can help protect and transfer your wealth more effectively:
Business succession planning
Protection for you and your business partners should one of you die, become incapacitated, or simply need to leave the business unexpectedly, so you can maximise the value you’ve worked so hard to build.
Superannuation Powers of Attorney
Protect your lifestyle and assets even if you become temporarily or permanently incapacitated, by appointing a family member, trusted friend or independent adviser to make financial decisions in carefully specified circumstances.
Executorship
Expert advice to help you select and authorise an executor to administer your estate, with ongoing support for your executor and other family members at a difficult time.
Philanthropy
Advice, structures and administration services to help you leave a lasting and tax-effective legacy for the causes you believe in.
Asset protection
We help you select the optimal structure for your wealth, now and in the future, helping to shield your assets from creditors, litigation and unnecessary tax liabilities.
Wills
We help you and other family members draft valid and up-to-date wills, taking into account the latest regulatory changes, to ensure your wishes are carried out effectively, without unforeseen legal or tax consequences.
Trusts
Advice and independent trustee services for a range of private trust structures, helping to safeguard your assets and protect the interests of each of your family members.