Chris Humphrey Private Wealth Management

Wealth creation is predominately driven by investment returns but also includes tax planning, salary packaging, superannuation strategies, utilisation of government schemes, grants & tax offsets.

Our investment advice is individually tailored for each client.  We construct investment portfolios with a capital preservation focus and are proponents of hedge fund like investment funds.

Despite constant government changes, superannuation continues to offer unparalleled advantages over its alternatives.  Utilisation of superannuation is a personal preference and should always be compared to alternate strategies.

There are a number of considerations surrounding life insurance.  Adopting the correct policy mix and taxation structuring should result in substantial savings.

Retirement planning considers tax, spending habits, investment and planning for wealth distribution on death.  Retirement planning should start well in advance of retirement and be personally tailored.

Estate planning is the process of arranging, during a person’s life, for the transfer of their financial wealth.  Estate planning should be used to mitigate uncertainties and maximise the value of an estate.  It should also plan for incapacity.  

From a financial planning perspective, business succession planning endeavours to achieve the best financial outcome for your business or share of it in the event of your death or disablement.

Self Managed Super Funds (SMSFs) are typically established by superannuation members to take control of their super.  SMSFs provide a wider investment universe than other superannuation funds and provide scope to utilise strategies that non-SMSF trustees typically don’t allow.