Business Owners

As a business owner, you have unique financial needs and challenges. You need a financial plan that reflects your personal and professional goals, and that adapts to the changing circumstances of your business. You also need a trusted partner who can help you navigate the complex financial landscape and provide you with sound advice and solutions.

That’s where we come in. We offer a personalised and holistic approach to financial planning. We take the time to understand your situation, your goals, and your preferences.

Whether you are just starting out, expanding your business, or preparing to exit, we can help you achieve your financial goals and secure your financial future

How We Help

Specialised Advice

As a business owner, you know the importance of having a clear vision and a strategic plan. That’s what we offer you when it comes to your finances. Our advice is tailored to your financial goals and circumstances. We don’t apply a generic formula, we craft a plan that suits you and your preferences.

Many financial advisers try to serve all kinds of clients, but they lack the expertise and insights to meet the specific needs of business owners. That’s why you need a financial partner who understands your industry and your challenges, and who can help you achieve your goals. Our team has over 50 years of combined experience in advising business owners from various sectors, and we know how to tailor our services to your situation.

We recognise that your business is not just a source of income, but also a reflection of your passion and vision. We will help you plan for the growth and sustainability of your business, as well as your personal wealth and retirement. We will also help you prepare for the transition or exit from your business, if that is part of your plan. Whether you want to sell, pass on, or retain your business, we can help you maximise its value and minimise the risks.

Superannuation

While superannuation is a vital savings tool for all Australians preparing for retirement, business owners have more opportunities than most to benefit from this low-tax environment.

Superannuation is often seen simply as a way of investing. However, as a high-income earner, you can use superannuation to help lower your ongoing tax bill (and the earlier you start, the bigger the advantage!).

Through our large scale, we have secured lower superannuation fees that are even cheaper than the most competitive industry funds, while still offering the flexibility to design a more sophisticated investment strategy according to your needs. Whether investing through a cost-effective retail fund or a self-managed superannuation fund, we have the expertise to set up and manage the best option for your situation.

Investment Advice

We know that wealth management is not a one size fits all solution. We understand that each client has their own unique goals, preferences, values and circumstances that influence their investment decisions. That’s why we offer a personalised approach that takes into account all these factors and helps you create a portfolio that suits your needs and aspirations.

We believe that you should be fully informed and confident about your investments. We explain the risks and rewards of different strategies and ensure that you understand the rationale behind our recommendations. We want you to have peace of mind knowing that your money is invested in a way that aligns with your objectives and values.

Our personalised approach is backed by our Investment Committee, which consists of 6 members, 3 of whom are external advisers to Custodian Financial Group. Our Investment Committee conducts rigorous analysis and research to build and manage portfolios that aim to generate long-term wealth and income for our clients.

We tailor our portfolios to each client’s specific situation and goals. We consider your short-term and long-term needs, your risk tolerance, your ethical/ESG wishes and your desired lifestyle. We also monitor and review your portfolio regularly to ensure that it remains suitable and optimal for you.

Tax Minimisation

As a high-income earner, you incur a significant tax liability each and every year. Whilst it is important that we each pay our fair share of tax, it is also important to structure your financial affairs as tax effectively as possible to give you the greatest opportunity to achieve financial success.

Did you know that high income earners can lose almost half of their return in tax if their investment portfolio isn’t structured tax effectively? However, with the right financial plan it is possible to reduce your tax liability significantly (and in some cases be eligible for a tax deduction).

Given the tax implications of various investment strategies, we are conscious that the net (i.e. after tax) return is the most important factor for financial gain. As such, our investment menu has been carefully selected to minimise tax and maximise the amount you get to keep in your back pocket.

Retirement Planning

You have worked hard to reach your level and you deserve to enjoy the fruits of your labour. We want to help you achieve financial independence and security in retirement, so you can live the lifestyle you desire. Whether you want to travel the world, support your loved ones, or simply relax and enjoy your hobbies, we can help you plan for it.

We use advanced modelling tools to create a personalised financial projection for you, based on your income, expenses, assets and liabilities. This will show you how your wealth will grow over time and how long it will last in retirement. You can adjust the variables to see how different scenarios will affect your outcome, such as retiring earlier or later, spending more or less, or changing your investment strategy.

Our goal is not only to optimise your financial situation, but also to help you understand your retirement lifestyle options. We will work with you to define your vision of retirement and align it with your financial resources. We will also help you plan for the succession or sale of your business, if that is part of your retirement strategy. By working with us, you can be confident that you are making the best decisions for your future.

We use advanced modelling tools to customise our advice to your specific needs and situation. We can show you how long your financial assets will last, and how your choices will impact your future income and lifestyle. This will help you make smart decisions and enjoy your retirement with assurance and satisfaction.

Insurance

We know that risk management and insurance are vital but challenging aspects of financial planning. You need to protect your wealth and income from unforeseen events, such as illness, injury, disability or death. But you also need to find the right policy that meets your needs and budget, without overpaying or underinsuring.

That’s why we offer a comprehensive and tailored service for your personal and business insurance needs. Our team of qualified and experienced risk insurance specialists will analyse your situation, advise you on the best options, help you apply and renew your policies, and support you in case of a claim.

Estate Planning

Estate planning is not just about having a Will. It’s about making sure your money and assets go where you want them to, in the most tax-efficient and secure way possible. It’s also about making sure your personal wishes are respected, even if you can’t speak for yourself.

We can help you create an estate plan that covers all the bases, from choosing your beneficiaries and executors, to setting up trusts and powers of attorney. We’ll work with you to understand your situation and goals, and tailor a plan that suits your needs.

Accounting Solutions

We offer accounting solutions to our clients through our partnership with MGI Joyce Dickson, a leading accounting firm in Canberra. They have a team of qualified and experienced accountants who can handle all your accounting needs, from bookkeeping and payroll to financial reporting and tax planning.

We can help you find the best accounting solution for your business, based on your current situation, goals and challenges. By outsourcing your accounting tasks to MGI Joyce Dickson, you can benefit from their professional advice and guidance, as well as their access to the latest accounting technology and software. You can also save time and money by avoiding costly errors and penalties, and focus on growing your business instead.

Financing Opportunities

As a business owner, you have unique financing needs and opportunities. Our financing team can help you achieve your business goals. Whether you want to purchase a commercial property, launch a new venture, lease a vehicle for your business, or refinance your home loan, our team can offer you the best solutions for your situation.

You also have the advantage of accessing favourable borrowing limits and interest rates. This means you can leverage the equity in your home to invest in long-term assets that can increase your wealth and reduce your tax liability. Investing in assets that appreciate in value over time can help you diversify your income streams and secure your financial future.

The first step to finding the right financing strategy for your business is to identify your goals and objectives. We can help you create a comprehensive financial plan that aligns with your vision and values. We can also advise you on how to structure your debt in the most tax-efficient and cost-effective way.

General Insurance

We understand that running a business involves many risks and uncertainties, and that you need to protect your assets, liabilities, income and employees from unforeseen events. That’s why we have partnered with Allinsure, to provide you with tailored and comprehensive insurance solutions for your business. Allinsure can help you assess your insurance needs, compare quotes from different insurers, and find the best coverage and price for your situation. Whether you need property insurance, public liability insurance, professional indemnity insurance, or any other type of business insurance, we can help you find the right solution through our partnership with Allinsure.

What Our Clients Say About Us

“The team at Custodian Financial Group have provided my partner and I with the peace of mind that our future is more secure, especially with a baby on the way! Our money is now working for us rather than the big companies... and they have put a ﬁnancial plan in place that meets our life goals.”

“I have recommended Custodian Financial Group to many of my friends and family and will to anyone, as I have always found that they conduct themselves in the best interest of their clients.”

“My husband and I came to you to discuss our personal superannuation fund and to also discuss the options that were available for our future ﬁnancial planning. We were very impressed with the personalised professional service and advice given to us, and how you have tailored this speciﬁcally to suit our situation and future needs. We felt very comfortable to put our ﬁnances in your care and for you to guide us in the right direction.”

“David and the team are excellent. They provide a tailored service to our personal investment needs. They have been able to provide us with significant guidance and support to ensure that we are best positioned for the future.”