how we help

We believe everyone should be able to make financial decisions with confidence.

We help people discover their goals and develop a plan together to bring these goals to life.

Superannuation Advice and Strategies

Superannuation has many benefits, and with the right advice can provide many positive outcomes for people. Superannuation is not just for retirement, it is a beneficial tax structure that if used right can ensure that people’s wealth creation and retirement journey has far better outcomes.

Superannuation can be structured in multiple ways, SMSF, Retail Super, Wholesale WRAP, Industry and Defined Benefits. Seeking the best advice in relation to the right superannuation structure for you can make significant differences to your wealth creation, tax minimisation, estate planning and wealth in retirement.

Retirement Planning

Retirement planning is critical for all Australias to undertake. At some point in our lives, we will say “I have worked long and hard enough and now it’s time for me to enjoy the time I have left without the commitment of the daily grind of work”. Our clients consistently tell us “I wish I came and saw you earlier, since seeking your help and guidance we have felt far more secure both emotionally and financially”.

Relying on Government pensions in the future might be a dangerous strategy, as our tax base shrinks, the ability to fund Aged Care pensions at their current levels might be unsustainable. Be prepared and seek professional retirement planning advice, worry less with a plan for a better tomorrow.

self-managed super fund

A Self Managed Super Fund (SMSF) is a superannuation structure that is not right for everyone. We see many people incorrectly structured into these funds for the wrong reasons, which can negatively affect their retirement outcomes.

A SMSF has more responsibilities than other types of super funds and without appropriate financial advice from a SMSF expert can lead to compliance breaches, fines, and potentially gaol in extreme circumstances. For the right reasons, an SMSF can offer significant benefits, being able to invest in assets not available in other super funds. Seek advice and be better prepared.

Estate Planning

Many Australian’s don’t have a Will, let alone the most appropriate one.

Estate planning can provide significant benefits to your loved ones after your death. Having the right estate structure and Will can effectively provide better protection to your hard-earned assets for loved ones or chosen beneficiary, also reducing the potential tax liabilities.

Choosing the right Will is critical, from a basic Will to a testamentary or bloodline trust, the best estate planning starts by having the right structure.

By undertaking an estate planning review can save significant costs, and heartache to your loved ones when you are gone.

investment strategies

Investing money wisely is the sure way to grow wealth. Making the right decision can be complex; shares, managed funds, Australian, International, emerging markets, domestic or commercial property, ETF’s – to name a few.

Having a robust strategy in place is key to making the right decision. Investing in one or a mixture of investment classes to ensure that your investment portfolio has adequate diversity and the best underlying strategy to meet your short, mid and long-term financial objectives.

Budget and Cash Flow Management

Cash flow should be the cornerstone of any financial advice strategy.

Understanding the various elements of someone’s budget is the way to determine opportunities to improve cash flow.

To invest effectively requires an understanding of available cash flow to achieve the best outcomes.

Take the time, complete a realistic budget, the investment of time will pay dividends.

aged care

When we face the decision to place our loved ones into Aged Care, many Australians struggle with the decision to place a loved one into an Aged Care facility. 

Seeking the right advice can be crucial as it can be both complicated and confusing, and decisions made in haste can often have unanticipated longer-term consequences.

We take the time to listen to your individual and family situation and provide independent Aged Care financial advice to explain the alternatives available to you. We offer guidance with care being at the cornerstone of what we do. At this time, being compassionate and sympathetic is equally important as the financial numbers alone.

Centrelink and Government Benefits

We develop the best financial strategies to maximise financial benefits for our clients, including Centrelink and Government benefits.

Structuring assets in various tax strategies can maximise the ability to access benefits.

We also manage the entire process for our clients ongoing to ensure that there is no lining up outside Centrelink in the future.

debt management

Owning our home is one of our greatest achievements. There are options to achieve this outcome that can be far better than simply paying the loan off directly with after-tax dollars, costing you far more to own your home.

Effective debt management strategies can achieve your homeownership sooner, creating further wealth, and tax benefits not usually available with paying down your home debt alone.

Debt recycling is a strategy that achieves beneficial wealth and tax effectiveness and with the right advice, you could own your home sooner.

wealth protection

Paying for insurance is something most people loathe. When you need it, having insurance is life-changing, and without it, life for most is a struggle. You work hard to build your wealth and provide for and protect your family.

If you can’t work for a period, maybe never again, or you die, how will you or your family financially cope?

The right insurance is essential to securing your financial future. It helps protect your assets, and puts your spouse and dependents in a better financial situation in the event of your death or should you suffer a serious injury or medical condition.

It can be time-consuming and confusing to research and decide on the right cover for your personal situation. That’s where we can help. We have a detailed understanding of the range of personal insurance products on the market. Once we learn more about you and your situation and goals, we work with you to develop an insurance solution that best suits you. We’ll look at ways to save you money, help reduce your stress, legwork and paperwork, and we’ll bring you peace of mind that you, your loved ones and your assets are protected.

Insurance can be paid from various means, superannuation, business or personal cash flow. Be prepared and seek guidance to ensure that if something happens to you, your family can continue to survive financially, and your hard-earned wealth is protected.


We help people discover their goals and develop a plan together to bring these goals to life.


Any information on this website is general advice only and does not take into account any person’s objectives, financial situation or needs. Please consider your own circumstances and whether the advice is right for you before making a decision.

Always obtain a Product Disclosure Statement (if applicable) to understand the full implications and risks relating to the product and consider the Statement before making any decision about whether to acquire the financial product.

Future Proof Wealth and its advisers are Authorised Representatives of Fortnum Private Wealth Ltd ABN 54 139 889 535 AFSL 357306