Take control of
your financial life.
A good financial adviser gets to know your money. A great financial adviser gets to know you.
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.
It's a measure of how you currently feel about your financial life, by assessing your level of control, confidence, and clarity.
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.
Create freedom
Give yourself more options, and more time.
Feel confident
Take control of your future and experience real financial well-being.
We've been recognised for market-leading client service, client outcomes, and innovation in advice.
After 5 Years our clients are $189,591 better off, and after 20 Years, $1,409,920 better.
The best time to get started was twenty years ago.
The second best time is today.
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.