You've been looking after your customers and team, now it's time to look after you.

Common structures include family trusts, superannuation, companies and investment bonds. All structures vary in tax rates both for income and capital gains, flexibility, asset protection and estate planning. We'll help you determine the right vehicles to manage your wealth based on your circumstances.

Private markets include assets like private equity, venture capital, private debt and real assets like property, which are not available on public exchanges such as the ASX or S&P500. They offer unique growth opportunities, potential outperformance and reduced portfolio volatility when compared to public markets. However, they typically require longer investment horizons and have lower liquidity compared to public markets. These assets often require patience, as they may take years to fully mature.

Small business CGT concessions are tax benefits that allow eligible business owners to reduce, disregard, or defer capital gains tax on the sale of their business. These concessions include the 15-year exemption, 50% active asset reduction, retirement exemption, and small business rollover, which can be applied individually or in combination to significantly lower your tax burden.

Yes. It can be hard to understand what impact your choices, strategies and investments will have on goals and financial future. We use market-leading financial modeling to help you understand if you’re on track, and give you context for important decisions along the way.

There are many ways to manage tax wisely. These include making tax-effective super contributions, debt recycling, and utilising tax-efficient investment vehicles such as super, family trusts, or investment bonds.

If you're more than a decade from retirement, a high-growth approach to your super is probably best. This means a heavy focus on shares and, to a lesser extent property. This will likely maximise your long-term returns and increase the funds you have to live the retirement you want. If you're closer to retirement, you'll require more careful planning based on your proximity to retirement, the income you need in retirement, and some tactics to minimise the impact of a market downturn close to your retirement or in its early years.

For the 24-25 financial year, you can contribute up to $30,000 in concessional (before-tax) contributions and $120,000 in non-concessional (after-tax) contributions. If eligible, you may use the bring-forward rule to contribute up to $360,000 in non-concessional contributions all at once. For a couple, that's $720,000.

Family trusts offer several benefits. They enable trustees to 'stream' investment income to family members on lower marginal tax rates to reduce the overall tax burden on the family or couple. Family trusts can also provide asset protection from business liabilities and legal claims, as well as helping to facilitate intergenerational wealth transfer.

The simplest way to fund your children's private schooling is through your cash flow however, that's not possible for everyone. Others may need to begin a regular savings and investment plan over years or decades to create the capital to cover these costs. This plan can often benefit from utilising an education bond where earnings are taxed at a maximum of 30% within the bond. In some cases, achieving this goal may require refinancing or downsizing the home to unlock equity.

Catch-up concessional contributions allow you to use unused cap amounts from the previous five years, starting from 2018-19. You can contribute up to $30,000 annually, plus unused amounts, if your total super balance is under $500,000 on June 30 of the previous year. This is a common strategy we recommend which can result in Verse clients saving tens of thousands in income tax.

We only take on clients we can add real value too. If you get in touch but we’re not right team based on your needs, we’ll re-direct you and give you as much useful information as we can.

A Statement of Advice (SoA) includes an outline of the strategies, investments, and financial products recommended to help you achieve your intentions, and improve your financial wellbeing. It also contains detail on fees, conflicts, and any benefits your Adviser will receive. It is a legal requirement that you receive an SoA from a licensed financial adviser.

One-off financial advice fees are generally deductible to the extent that they relate to tax advice. Ongoing financial advice fees are generally deductible to the extent that relate to producing assessable income. Before claiming a deduction, we recommend sharing your Summary of Advice, invoices, and our estimate on what may be deductible to you with your qualified accountant.  

You may be able to pay advice fees from your super account if particular requirements are met including the nature of the advice, what super accounts you hold and or what super accounts are recommended by us. Advice fees paid from super may attract a tax rebate of up to 14%, however, these rebates vary between funds.

Our fees will vary based on your circumstances and the support you need. If you use our Project service, you’ll pay a fixed fee over multiple instalments. If you receive ongoing advice, you’ll pay an agreed monthly fee that reflects your situation. Payment methods can include a combination of direct debit, via investment accounts or from your superannuation.