Personalised guidance to manage your money
and protect your legacy.

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.

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.

We consider individuals and families with $2 million or more investable financial assets (excluding their home) to be high-net-worth.

There are the traditional asset classes of shares, property, bonds and cash. Beyond these, alternative options include private equity, venture capital, direct bonds and wholesale property syndicates. Of course, what's suitable will depend on your goals, timeframe and temperament for investing.

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.

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.

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.

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.

We focus on proven investments such as cash, term deposits, shares, ETF’s, managed funds, and property. We avoid overly speculative investments and get rich quick schemes. We have access to private market opportunities including private equity, venture capital, real assets, and hedge funds. This diverse set of assets encompasses a broader range of strategies, that allow investors to generate absolute returns uncorrelated to traditional investment markets. Private market opportunities are generally appropriate for clients with portfolios exceeding $2m.

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.