Strategic financial planning and wealth management solutions tailored to your unique goals. Build, protect, and grow your wealth with expert guidance from Sydney's trusted advisors.
We combine decades of expertise with personalized strategies to help you achieve financial freedom and security.
As a fully licensed financial planning practice, we operate under strict fiduciary standards. Your interests always come first - it's not just our promise, it's our legal obligation.
No two financial journeys are alike. We take the time to understand your unique circumstances, goals, and risk tolerance before crafting a tailored wealth management strategy.
We look at the complete picture of your finances - from tax optimization and investment management to estate planning and retirement strategies - ensuring all elements work together harmoniously.
Our team holds advanced qualifications including CFP®, CPA, and SMSF Specialist designations. We continuously update our knowledge to deliver the latest strategies and opportunities.
No hidden costs or surprise charges. We believe in complete transparency about our fees so you can make informed decisions about your financial future with complete peace of mind.
Financial planning is not a one-time event - it's an ongoing partnership. We provide regular reviews, proactive recommendations, and continuous support as your circumstances evolve.
Comprehensive financial solutions designed to help you build, protect, and maximize your wealth at every stage of life.
Expert guidance on self-managed super funds, industry funds, and retirement planning strategies to maximize your retirement savings.
Safeguard your hard-earned wealth with comprehensive insurance solutions and risk management strategies.
Strategic investment advice across diverse asset classes to grow your wealth while managing risk appropriately.
Minimize your tax burden with intelligent planning strategies that work within ATO regulations.
Comprehensive retirement strategies ensuring you maintain your desired lifestyle throughout your golden years.
Strategic property investment advice including residential, commercial, and SMSF property acquisitions.
Financial planning is the process of creating a comprehensive strategy to achieve your short-term and long-term financial goals. It involves analyzing your current financial situation, identifying objectives, and developing a roadmap to reach those goals through proper resource allocation, investment management, and risk mitigation.
Wealth management goes beyond basic financial planning to encompass a holistic approach to managing your financial affairs. This includes investment management, tax planning, estate planning, retirement strategies, insurance solutions, and coordinating with other professionals like lawyers and tax agents to optimize your overall wealth position.
The financial landscape is complex and constantly evolving. Professional financial advisors bring expertise, objectivity, and ongoing support that DIY approaches simply cannot match. They help you navigate regulatory changes, identify opportunities, avoid costly mistakes, and stay focused on your long-term objectives.
We gather comprehensive information about your current financial position, goals, and risk tolerance.
We create a customized financial plan addressing each of your goals with specific recommendations.
We execute the recommended strategies, coordinating with other professionals as needed.
Regular reviews ensure your plan remains aligned with changing circumstances and goals.
Take control of your retirement savings with expert SMSF guidance and superannuation optimization strategies.
A Self-Managed Super Fund (SMSF) provides greater control and flexibility over your retirement savings compared to industry or retail super funds. With an SMSF, you become the trustee, giving you direct investment decisions over how your superannuation is invested. This can be particularly advantageous for those with more complex financial situations, business owners, or those seeking to invest in specific asset classes like direct property.
Maximizing your superannuation contributions is one of the most effective ways to build retirement wealth while potentially reducing your tax burden. Understanding the contribution caps and strategies available can significantly impact your long-term retirement outcomes.
Tax-deductible contributions including employer SG contributions and salary sacrifice. Currently capped at $27,500 per year. These contributions are taxed at 15% within the fund, which can be advantageous for high-income earners.
After-tax contributions that can be made from your savings. Currently capped at $110,000 per year (or up to $330,000 under the bring-forward rule). These are generally tax-free once in the retirement phase.
For those approaching retirement (age 60 and above), transition to retirement (TTR) strategies can help you optimize your superannuation while continuing to work. This involves starting a retirement pension while still contributing to super, potentially reducing your taxable income while boosting your retirement savings.
SMSF establishment and management requires significant time, knowledge, and commitment. You must comply with strict regulatory requirements including annual audits, tax returns, and regulatory reporting. Our team can help you understand whether an SMSF is appropriate for your situation and provide ongoing administration support.
Evidence-based investment strategies designed to grow your wealth while managing risk appropriate to your circumstances.
We build diversified portfolios tailored to your risk profile, time horizon, and financial goals. Our approach combines multiple asset classes including Australian and international equities, fixed income, property, and alternative investments to optimize risk-adjusted returns.
Strategic asset allocation is the foundation of sound investment management. We determine the optimal mix of assets based on your unique circumstances and regularly rebalance to maintain your intended risk profile as markets move.
We conduct rigorous due diligence on managed funds, ETFs, and other investment products. Our selection process evaluates performance, fees, manager track record, investment philosophy, and risk characteristics to identify quality options.
We implement various risk management strategies including diversification, asset correlation analysis, and defensive positioning. Regular portfolio reviews ensure your investments remain aligned with your changing circumstances.
We believe in a disciplined, evidence-based approach to investing that focuses on long-term success rather than short-term speculation.
Every investment decision ties back to your specific financial objectives
Global diversification across regions, sectors, and asset classes
Minimizing fees maximizes your net returns over time
Strategic tax planning to minimize your tax burden and maximize your wealth accumulation potential.
Negative gearing involves borrowing to invest in assets that generate less income than the cost of borrowing, creating a tax-deductible loss. This strategy can be particularly effective for property investments where depreciation benefits further enhance the tax position. The key is ensuring the underlying investment has strong long-term growth potential to offset the short-term cash flow impact.
Important considerations include ensuring you have sufficient cash flow to service the borrowings, understanding the interest deduction rules, and maintaining a long-term investment horizon to benefit from capital growth.
The structure through which you hold investments can significantly impact your tax outcome. Different entity types - individuals, companies, trusts, and superannuation funds - have distinct tax characteristics. The right structure depends on your income level, investment goals, and circumstances.
We can help you evaluate structures including family trusts for income splitting, family companies for business investments, and SMSFs for retirement-focused wealth accumulation. Each structure has pros and cons that require careful analysis.
Capital Gains Tax (CGT) is incurred when you sell an asset for more than you paid. Understanding CGT rules and implementing strategies can significantly reduce your tax liability on investment disposals.
Family trusts can be powerful tax-planning vehicles, allowing income to be distributed to beneficiaries in lower tax brackets. Proper trust distribution planning requires careful consideration of trust deeds, beneficiary entitlements, and ATO guidelines on present entitlement.
Tax laws are complex and subject to change. The strategies outlined above are general in nature and may not be suitable for your specific situation. Always consult with a qualified tax professional before implementing any tax planning strategy. Accountants Point provides general tax information and can connect you with tax specialists for personalized advice.
Trusted by hundreds of businesses and individuals across Australia
"The team at Accountants Point transformed our financial situation. Their strategic advice helped us maximize our superannuation contributions and structure our investments tax-effectively. We've never felt more confident about our financial future."
"Setting up our SMSF was made so much easier with their expert guidance. They explained everything clearly, handled all the complex paperwork, and continue to provide excellent ongoing administration support. Highly recommended!"
"As a first-time investor, I was overwhelmed by all the options available. The team took the time to understand my goals and risk tolerance, and created a personalized investment strategy that has performed excellently. Professional, knowledgeable, and always accessible."
Find answers to common questions about financial planning and wealth management
Schedule a complimentary consultation with our expert financial advisors. We'll listen to your goals and explain how we can help you achieve them.