You want certainty, not hope, about your money.
Money is deeply personal, and what you value and how you want to live are unique—which is why your financial strategy, structure, and plan should be, too.
We solve the problems at hand with an eye on the big picture so you can get on with life without worrying about the financial wheels falling off.
Areas of advice
Mapping your money and life goals
Together, we'll discover what's most important to you now and in the future. Then, we get your finances sorted to make those goals happen.
Smart super and SMSFs
Super offers powerful tax benefits while building your retirement income stream. We'll review how your super is structured and invested to find opportunities that minimise tax now and create more income for your retirement. For SMSF trustees, we'll guide you through investment decisions and contribution planning.
Build your backup plan
Sleep easier at night knowing you're prepared for any bumps in the road with the right level of insurance that protects you and your loved ones.
Thrive in retirement
Kick back and live your best life knowing we're handling the money mechanics. A post-retirement plan means we do the mental maths and investment tweaks you need to ensure your steady income will last the distance.
Structure your wealth
Reduce your legal risks and tax burden by using the right asset structures for your situation. We set you up to protect your estate and keep you from paying more tax than necessary.
Get ready for retirement
The shift from earning to living off your savings is significant - you want certainty, not hope, about your money. We'll help you make smart moves in your pre-retirement years to build your nest egg. This means looking at ways to grow your super, finding the right investment mix, and creating reliable income streams that maintain your lifestyle when you step back from work.
Selling a business
Make informed decisions when selling your business or asset. We'll help you evaluate the impacts on your finances and tax and support you in exploring reinvestment opportunities.
Investment direction and design
Your investments should work steadily in the background, letting you sleep soundly regardless of market conditions. We create stability by carefully spreading your money across different types of investments, based on three key factors: your timeline, your needs for growth or income, and your comfort with risk.
Safeguard future family wealth
Create a financial legacy with maximum impact for your family. You may want to share some of the wealth now so the kids can get on the property ladder or kick-start a business venture. We help you keep your wealth alive for generations to come.
Estate planning
Get peace of mind that your affairs are in order for when the time comes. We collaborate with other estate planning professionals to set you up so your wealth is distributed according to your wishes.
Managing an inheritance
We understand an inheritance brings both opportunity and emotional weight. We'll help you create a considered plan for your funds - whether you want to pay off debt, invest, share some with the kids or fulfil a lifelong dream.
Future financial modelling
No matter your age or stage, we'll model your retirement timeline - how much you need, when work becomes a choice not a necessity, and how long your money will last.
Our job is turning those "what if" questions into "here's how" answers.
The Touchstone Planning Approach
We have a tried and tested approach that puts your life at the centre of everything we do.
1. A QUICK CALL
Let's get on the phone and have a 20-minute chat.
We get to find out a little bit about what you're looking for and if we're the right fit to help.
Fee: Complimentary
2. YOUR VISION SESSION
A 90-minute conversation (in person or virtual) where we get clear on your complete picture.
We'll map out where you stand now financially and your future plans.
But numbers are only part of the story - we want to understand how you spend your days, what you love doing, the adventures you see in your future, and what you want to learn along the way.
Then we'll research the options to help make it happen.
Fee: Complimentary
3. THE SCOPE
We show you what we've discovered.
We clarify your current financial position and how we can help. We share financial projections, and potential structures and assets in an easy-to-understand way without jargon or fluff. By the end, you'll be really clear on what you can expect to achieve and our fees to move forward.
Fee: Complimentary
4. THE PLAN
The big reveal! We present your complete personalised financial plan.
It includes the reasoning behind the advice, product recommendations with alternative options, and financial projections for cash flow, savings, and tax. You'll have the blueprint for how your finances support your life and money goals.
5. IMPLEMENT
We take the action items, break them down into a timeframe, and divide them up between what we can implement—things like lodging paperwork, and dealing with the financial institutions, and what you have to do. But don't worry, we're here every step of the way.
6. PROGRESS AND SUPPORT
Let's check in.
We’ll catch up once or twice over the year to review your progress and goals. It's a chance to see if any priorities have shifted and where required, we'll rebalance your investments and adjust your plan as your life changes.
If you have questions or circumstances change between our catch-ups, we're here for you anytime by phone or email. In fact, we encourage you to contact us anytime you have a financial decision to make, big or small.