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Take control of
your financial life.

Get your money working for you with tailored financial advice.

180+ 5-Star Google Reviews

A good financial adviser gets to know your money. A great financial adviser gets to know you.

"I didn't have a strategy"
"We didn't have a plan"
"I didn't have control"
S
Sue M

Knowledgeable, approachable and knows their stuff. I'll be recommending Verse to all my friends.

February
2024
5.0
S
Shravan S

Tim advice and guidance on the home loan process was fantastic.

October
2023
5.0
A
Alejandro P

Amazing experience from start to finish.

September
2023
5.0
M
Michelle E

They've gone out of their way to help me understand anything and everything with our finances.

September
2023
5.0
D
David S

I've finally found a Financial Adviser that has genuinely got my best interests, and my life goals as their #1 priority.

September
2023
5.0
S
Salvatore C

We're in such a better position financially.

August
2023
5.0
C
Chip M

Walked us through every single step. Anticipated problems and planned around them.

June
2023
5.0
A
Ant Y

Great people, professional, smart, value adding, up-to-date and supportive.

February
2023
5.0

We help professionals answer questions like this everyday.  

Whether you're time poor, making good money but not making the most of it, or just struggling with too much information, we can help.

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Live the life you want.

Take control of your financial life to take control of your future.

Get clarity

Know what to do with your finances, and when to do it.

Accelerate progress

Save more, invest better, build wealth, and achieve goals sooner.

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Create freedom

Give yourself more options, and more time.

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Feel confident

Take control of your future and experience real financial well-being.

Wildly different to the industry,
wildly better outcomes

We've been recognised for market-leading client service, client outcomes, and innovation in advice.

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  • Get to know you, then your money
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  • Tailored by values and goals
    Product centered
  • Transform your financial wellbeing
    Underwhelming impact on financial wellbeing
  • Treat money as a resource to live life
    Fixated on retirement and dying with money
  • Your whole financial life
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Financial expertise, tailored to you

Cash flow

Investing

Tax

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 Cash flow
Control your money

Getting your cash flow right is essential. We help people take control of their money by bringing structure, accountability, and clarity to what you spend, and increasing your savings rate.

Investing
Invest wisely

A portfolio that fits your plan, goals, and investment preferences. We’ll educate you, set realistic expectations and manage your emotions through the ups and downs of markets.

Tax
Pay less tax with planning

You shouldn’t pay more tax than you need to, as less tax means more money to create your best life. With us, you’ll use the rules to your advantage, invest tax effectively and navigate capital gains smartly.

Super
Maximise your nest egg

We’ll help you navigate the complexities of the super system to your advantage. You’ll be in the right fund, with the right investment mix, and a contribution strategy that’s optimal for you.

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Financial Modelling
Visualise your financial future

Join the dots between your resources, your strategy, and your financial future. You’ll know whether you’re on track, and have context for trade-off decisions about your goals & options

Experience the upside, and confidence.

After 5 Years our clients are $189,591 better off, and after 20 Years, $1,409,920 better.

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The second best time is today.

FAQ

Got a question? Reach out to our team.

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.

It depends on your goals and circumstances. What's best may be one or a combination of those strategies. Making super contributions often creates a better financial outcome due to the tax deductions available, however, what’s optimal varies based on income levels, interest rates, proximity to retirement and the emotions associated with debt and share markets.

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.

There are a lot of variables to carefully consider with employee share schemes. If there is a considerable concentration of your wealth in the company you work for, it's often wise to sell a portion of your shares to diversify. This will reduce your risk by ensuring your financial future isn't a bet on the future success of your employer. In doing so, it's important to understand the tax implications, what you can do to manage capital gains tax (CGT), and have a plan for the proceeds.

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.

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.