Comprehensive financial planning
Goals, cash flow, assets, liabilities, protection, investments, retirement and estate considerations assessed together.
Services
One planning relationship. The right specialist capability for each decision.
Services are grouped into personal wealth planning, business-owner planning and fiduciary support. Each engagement is scoped according to your needs and the professional capacity in which the work is performed.
Personal planning
For individuals and families
Your investments, protection, retirement arrangements and estate plan should form one coordinated strategy rather than a collection of separate financial products.
Investment planning
Portfolio construction, consolidation, platform and fund recommendations, offshore planning and ongoing reviews.
Retirement strategy
Retirement annuities, preservation, living annuities, drawdown planning and retirement-income sustainability.
Risk planning
Life, disability, severe illness, income protection and debt-cover needs assessed with implementation guidance.
Estate-planning review
Estate liquidity, beneficiary alignment, will and trust coordination, and identification of further professional work.
Ongoing reviews
Annual, quarterly or agreed ad hoc reviews focusing on material changes, decisions, implementation and progress.
Business owners
The 5-Pillar Business Owner Blueprint
A business often represents a substantial portion of the owner’s wealth, income and estate risk. The company strategy must therefore connect to the owner’s personal and family plan.
Structure
Ownership, trusts, holding companies, loan accounts and separation of personal and business assets.
Growth capital
Funding needs, equipment, expansion, liquidity and the financial effect of growth decisions.
Tax efficiency
Coordinate salary, dividends, retained profits and trust or company flows with the appointed tax professional.
Risk protection
Buy-and-sell funding, key-person protection, debt, sureties and business-continuity risks.
Wealth transfer
Succession, estate liquidity, ownership transfer, wills, trusts and generational strategy.
Valuation and continuity
Indicative business valuation, value-at-risk analysis and succession-planning support for internal planning purposes.
Fiduciary services
Delivered separately through Axion
Axion Fiduciary Solutions provides specialist trust, estate and governance services. These services are separately scoped from financial advice.
Trust establishment
Planning, trust documentation, Master registration support and coordination of the post-registration implementation process.
Independent trustee service
Professional trustee participation, independent judgement and documented fiduciary governance through Axion.
Annual trust governance
Trustee meetings, minutes, resolutions, registers, compliance support and ongoing administration packages.
Wills and estate coordination
Will-planning consultations, estate-plan coordination and identification of specialist legal or tax work where required.
Testamentary trusts
Planning for minor children, vulnerable beneficiaries and the responsible long-term stewardship of inherited assets.
Business succession governance
Company shares, loan accounts, successors, insurance and family-governance considerations reviewed in one framework.
Each service must be delivered within the correct mandate.
Regulated financial advice is provided only within the authorised financial-services mandate and is supported by the required analysis and disclosures. Legal, tax, accounting, trust-administration and other specialist services are separately scoped and must be delivered or approved by an appropriately authorised professional.
Not sure which service applies?
Start with a conversation about your current position and the outcome you are trying to achieve. The correct scope can then be identified.