Build, manage and protect your wealth with a long term strategy designed around your goals, circumstances and the life you want your wealth to support. Investment strategy, superannuation, retirement planning, tax aware structuring and estate planning coordination — brought together through an ongoing Wealth Management & Financial Planning relationship and reviewed as your circumstances change.
We start with your circumstances rather than with a product. We look at what you own, what you owe, what you earn, what matters to you and what you are working toward. From there, we develop a strategy designed to help build and manage your wealth over time.
That strategy can bring together cash flow, investment portfolios, superannuation, retirement planning, tax aware structuring, personal insurance and estate planning considerations within the agreed advice scope. Where specialist legal or tax advice is required, we work with your solicitor and accountant so the financial plan is coordinated with their advice.
Liabilities and cash flow commitments can be considered when developing the financial plan. Mortgage Broking is a separate specialist service of Private Capital Management and is not part of the Wealth Management advice engagement.
You deal with a named adviser throughout. The strategy is reviewed regularly and when something material changes, so the advice can evolve with your circumstances rather than remaining a plan written once and filed away.
We are a Corporate Authorised Representative of Advice Evolution Pty Ltd. Nathan Ide holds ASIC registration as a Qualified Tax Relevant Provider.
Wealth management for people whose financial position has become more complex as income, bonuses, equity, investments, superannuation and family responsibilities grow.
Financial planning and wealth management for doctors and medical professionals with high or complex incomes, superannuation, investment goals, family commitments and long term wealth building objectives.
Wealth management for lawyers and legal professionals seeking to turn growing income into a structured long term investment, superannuation and retirement strategy.
Personal wealth management for business owners whose financial lives extend beyond the business — including investments, superannuation, retirement, personal risk and planning for the eventual transition of business wealth.
Ongoing investment and financial planning for clients with established portfolios, multiple assets or financial decisions that benefit from coordinated strategy and professional oversight.
Planning the transition from accumulating wealth to drawing sustainable retirement income, while managing investments, superannuation, tax considerations and estate planning objectives.
Develop and manage an investment strategy aligned with your objectives, time horizon, risk profile and agreed advice needs. Portfolio construction may consider asset allocation, diversification, costs, tax considerations and the role of different investment types.
Advice can include superannuation contributions, investment strategy, retirement structures and, where appropriate, self managed superannuation considerations within the agreed scope of advice.
Plan for the transition from wealth accumulation to retirement, including superannuation, investment structure, retirement income and the sustainability of your financial position over time.
We consider the tax implications of financial strategies where relevant to the advice, while working with your accountant or tax adviser on matters requiring tax advice.
We can identify estate planning considerations arising from your financial strategy and work alongside your solicitor or estate planning professional where appropriate.
Develop strategies around saving, investing, cash flow and the efficient use of financial resources to support longer-term wealth building objectives.
Where personal insurance forms part of the agreed financial advice engagement, we can consider life, TPD, trauma and income protection needs alongside the broader financial strategy.
Step 01
A complimentary initial meeting to understand what you own, what you owe, what you earn, what you are working toward and the financial decisions currently in front of you. No personal recommendation is made at this stage.
Step 02
We model the relevant options and prepare the recommended strategy in writing, including the reasoning, costs, risks and alternatives relevant to the advice.
Step 03
Once you decide to proceed, we help implement the agreed recommendations — including investment and superannuation applications, rollovers and other financial advice administration. We coordinate with your accountant or solicitor where their specialist advice or documents are required.
Step 04
The relationship continues after implementation. We review the strategy on an agreed cycle and when material circumstances change, monitor and rebalance investments where appropriate, provide ongoing administration support and remain available when new financial decisions arise.
Work directly with a named adviser and the Private Capital Management team throughout your Wealth Management relationship.
Your strategy and portfolio are reviewed as markets, legislation and your circumstances change.
We work with your accountant and solicitor where specialist tax or legal advice is required.
Wealth management is an ongoing approach to financial planning that brings together the areas within your advice scope, such as investments, superannuation, retirement planning, cash flow, personal insurance and estate planning considerations, and reviews them as your circumstances change.
Financial planning generally focuses on developing strategies for specific financial objectives and agreed areas of advice. Wealth management can take a broader, ongoing view of a client's investments, superannuation, retirement planning, cash flow, personal insurance and other agreed areas of their financial position. At Private Capital Management, we use "Wealth Management & Financial Planning" to describe our advice service, with the precise scope of advice agreed with each client.
Our clients include professionals and executives, doctors, lawyers, business owners, investors and people approaching or in retirement. There is no set minimum. What matters more is whether there is enough complexity in your situation for advice to be worth what it costs. This may include multiple income sources, a business, property, an SMSF, or a decision coming up that is hard to reverse.
Our fees are set out in writing before any work begins, so you know what the advice costs before you decide to take it. We explain how we are remunerated on every recommendation we make, including where a product provider is involved.
Yes. Superannuation and retirement planning sit at the centre of our Wealth Management & Financial Planning service — contributions, investment strategy, fund structure and, where the additional control and responsibilities are justified, whether an SMSF is appropriate, through to structuring a sustainable income once work stops.
The relationship continues after implementation. We review the strategy on an agreed cycle and when material circumstances change, monitor and rebalance investments where appropriate, provide ongoing administration support and remain available when new financial decisions arise. You deal with a named adviser throughout.
The strategy is formally reviewed on an agreed cycle, and we speak whenever something material changes, such as a new job, a property, a business sale or a change at home. You have direct access to a named adviser and our team throughout the relationship.
Mortgage Broking is provided through a separate Private Capital Management division and engagement. If lending assistance is relevant, we can introduce you to that specialist team, but credit assistance is not part of the Wealth Management engagement. Personal insurance, by contrast, can form part of a Wealth Management & Financial Planning engagement where it is included in scope.
Yes, and we prefer to. Tax structure and estate planning both sit at the boundary of what a financial adviser does, and the plan works better when the three of us are talking to each other rather than each advising you separately.
It is the formal written plan a licensed adviser has to give you before you act on personal financial advice, and it is what your strategy is presented as here. It sets out your position, what we recommend and why, what the alternatives were and why they were not chosen, and what it all costs, including how we are paid and any conflict of interest. It exists so that you can take the recommendation away, read it, and check it.
Licensed and Accredited
AFSL 342880
Authorised Representative 1239545
ASIC
Qualified Tax Relevant Provider, Nathan Ide
Clients can engage Private Capital Management for Wealth Management & Financial Planning and, where relevant, separately access our Personal Insurance advice and Mortgage Broking services.
Book a Wealth Management Meeting
Book a complimentary initial meeting with Private Capital Management to discuss your financial position, goals and how our Wealth Management and Financial Planning service may be able to help.
Book a Wealth Management Meeting Or contact us with a question