“We came in to sort out selling the practice. Twelve years later they've helped us retire, set up trusts for the grandchildren, and they still pick up when I call.”Margaret and David Chenclients since 2014
Measuredin generations.
We advise families and business owners on investing, retirement, tax and passing wealth on, as one plan that runs for decades.
Scroll through a lifetime
IBuilding, in your 30s and 40s
Growth thatgathers pace.
A portfolio built around your goals and the risk you can live with, then rebalanced so it stays that way. The early years look slow. The later ones don't.
- Investment planning
- Portfolio management
- Financial goal planning
- Tax-efficient investing
IIProtecting, as the family grows
Cover for whatcould go wrong.
The right level of insurance if illness, injury or death interrupts the plan, held in the most tax-effective place so it doesn't drain your cash flow.
- Life and TPD cover
- Income protection
- Trauma insurance
- Cover held inside super
IIIOwning, then selling, a business
Structures thatkeep more.
Companies, trusts and super funds arranged so the business pays less tax while you run it, and an exit planned years ahead so the sale funds everything after.
- Business owner advice
- Succession and exit
- Trust and SMSF structures
- Capital gains planning
IVRetiring, from 55 onwards
Income thatoutlasts you.
When to stop working, how much to draw each year and in what order, so your savings become a salary that lasts longer than you'll need it.
- Superannuation advice
- Retirement income
- Account-based pensions
- Age Pension planning
VPassing on, to the next generation
What you built,handed on well.
Wills, testamentary trusts and family meetings arranged with your lawyer, so your wealth reaches the people you meant it for and holds together after it does.
- Estate planning
- Testamentary trusts
- Inheritance advice
- Family wealth meetings
One adviser, one plan, five chapters. Tax planning runs through all of them.
One fee,in writing.
A fixed dollar amount, never a percentage of your money and never a commission from a product. If our advice saves you tax, the saving stays with you.
First meeting
An hour to understand where you are and whether we're the right fit.
No charge
Your written plan
Investments, super, insurance, tax and estate in one strategy, presented in person.
$4,400one-off, fixed
Ongoing advice
Portfolio management, two reviews a year and a call whenever life changes.
from $6,600per year, fixed
Commissions
We don't accept them. Where one is paid by law, we rebate it in full.
$0
Start with aconversation.
An hour at our South Yarra office or on a video call. No charge and no obligation.
OfficeLevel 4, 120 Toorak Road, South Yarra VIC 3141
HoursMonday to Friday, 8.30am to 5.30pm. Evenings by arrangement.
Emailhello@heartwoodwealth.com.au