Our Services

At Wealth Mantra, we offer the full range of advice services to help you create, manage and protect your investments, super and wealth.

Your Private Wealth

Your Family & Legacy

Our Services

Our Process

Financial Planning is a continual process that ensures your financial strategies adapt over the years to your changing needs. Ideally a financial plan would cover your entire financial situation however there are times when it may be more appropriate to limit it to a particular issue that is of critical importance at the time.

What’s the process?

Step 1 Gathering Information About You

We will meet with you face to face to uncover the information that is critical to us getting an accurate picture of your current financial position.

Step 2 Identify Your Financial And Lifestyle Goals

In this equally important part of the initial process your adviser will help you to identify and articulate your goals and aspirations.

Step 3 Identify Your Financial Issues

We will analyse your current situation, in conjunction with your goals, to identify any ‘gaps’ that need to be addressed in order to get you where you want to go.

Step 4 Prepare Your Financial Plan

Your financial plan will bring together your current situation, your goals and the strategies we recommend. It will be tailored to your individual situation and presented in an easy to understand format and language.

Step 5 Implement Your Financial Plan

We will organise the paperwork you need to complete and follow through the placement of investments to ensure everything is put in place correctly.

Step 6 Reviewing And Revising Your Plan

We will work out an ongoing service package to suit you. You can be assured that Wealth mantra has all of the necessary systems and people in place to make sure each of our commitments to you are met.

Family Protection

We never plan to get sick or injured, what happens if you do? Did you know that 60% of Australian families with dependents will run out of money within 12 months if the main income earner were to die?

Insurance is an important aspect of financial planning, it protects your ability to meet your financial responsibilities like mortgage repayments, children’s education, putting food on the table etc.

When looking at taking out cover you need to consider your situation, what type of cover that’s appropriate and how much you can afford

Wealth Mantra can assist you to arrange to protect your family’s financial security today and into the future, in the unfortunate event of serious accident, injury, diagnosis of disease and death.

Cashflow & Debt Strategies

The starting point of building wealth is to spend less money than you earn! Although today, this is easier said than done. The majority of people cant manage their money, have too much debt and live well beyond their means.

The first step to developing a successful financial plan is to know what you are spending. From there we can help you develop an appropriate budget to help you achieve your short, medium and long term goals. We know Budget is a dirty word and that is why at Wealth Mantra we have developed some clever strategies and a Money Management program to help you stick to your budget without the stress

Another important step to building wealth is to understand and manage debt. We can develop a personalised strategy to help you eliminate personal debt and home loans and then use investment debt sensibly, to tax effectively build wealth.

Tax Strategies

More and more Australians are looking to foreign tax reduction strategies as a way to protect their wealth and maximise their business profit. With Australia’s very high tax rates, going abroad to open an offshore company makes a lot of sense, and it is 100% legal.

However, many have tried to make the leap on their own, with near-disastrous, and very expensive, results.

With expert guidance and years of experience, Wealth Mantra will make sure that you avoid any mistakes that can put you at odds with the law. We will help you take maximum advantage of favourable foreign tax policies, and put your hard-earned tax dollars back into your pocket.


It is important to determine what it is you would like to achieve and the timeframe you would like to achieve it in, how much volatility you are willing to take with your investments.

Generally, the longer timeframe you have to invest, people tend to choose more growth style investment options as they have more time to invest, where as older people sometimes prefer more conservative lower risk investment options to preserve their capital as they are closer to retirement and don’t have time to recover if their investments produce a negative return.

By assessing your risk profile allows us to determine what assets would best suit your desired goals. The asset allocations in your portfolio are the various investment assets that are selected to maximise your returns at the risk you are willing to take. There are generally four broad asset classes:

o    Cash

o    Fixed Interest

o    Property

o    Shares

No asset class consistently performs better than another so it is important to reduce your volatility by diversifying. In doing so, good returns from one investment can balance the weaker returns from another.

Our aim is to guide you to understand the risk/return factor and determine what type of investment suits your profile, goals and time frame.

Retirement Planning

Moving towards the retirement phase of life can be both daunting and stressful. There is a lot of information ‘out there’ providing lots of opinion on the topic.


If you’re looking to improve your future, it’s crucial to grasp the fundamentals of superannuation, commonly known as “super.” In Australia, superannuation plays a vital role in building a nest egg for retirement. Below we aim to demystify the concept of super and provide insights into its workings, answering questions such as “What is super?” and “How does super work?”

Comprehending how super works and making informed decisions, can build a secure financial future. Understanding the basics of superannuation, including contributions, investment growth, access, and tax benefits empowers you to make the most of your super. Now it’s time to take action, see our guide on changing super funds, salary sacrificing and get in touch with us to get super advice.

Self Managed Super Funds

A self-managed super fund is no different from other funds in that it’s the biggest long term investment to save for a secure retirement. Although, a distinctive feature of a SMSF when compared to others funds is how the fund is controlled. With SMSF, the trustee is in total control of what is being invested and how the fund is run, however, with more control comes greater responsibility, time and expertise.

When assessing whether controlling a SMSF is appropriate for you, it makes sense to consult with your adviser to assist you in making this decision – or whether there are more desirable options available, in particular:

o    Do you have the appropriate amount of capital to set up a SMSF?

o    Do you have the time to allocate, understand and run the fund?

o    How much do you need for your retirement?

o    What are the best investment options to suit your retirement goals?

o    What are the benefits of a SMSF (including tax advantages and estate planning benefits)?

o    What are the requirements for setting up a SMSF?

o    What are the trustee’s responsibilities for managing a SMSF?

o    What fees and charges will you incur?

Estate planning

Estate planning is one key component of financial planning, it’s part of the overall plan that focuses on what happens to your assets once you die, in order for it to be effective it needs to be addressed well before this occurs.

Estate planning aims to ensure that upon a client’s death:

o    There are sufficient assets available to meet the clients wishes

o    That transfer of ownership , or control of those assets pass to the appropriate person or entity and protection of your estate

o    That ownership or control passes to the beneficiaries at the right time

Simply put, estate planning involves ensuring that on a clients death, the appropriate assets go where the clients wants them to go, when they intended them to go there in the most tax effective manner.