Clients

The typical clients that we deal with and the challenges they face

High income families & Executives

Here are some common challenges that High Income Families or Executives Face:

You or you and your partner are both earning a good salary and working long hours and don’t have time to focus on your personal financial needs.
You may have a young family and want to protect them in the event either one of you lost your income.
You may wonder where all your cash goes and have nothing to show for it or you have plenty of cash and not sure what to do with it.
How are you best maximising your cashflow to enjoy your lifestyle now including travel and lifestyle events but think about your future lifestyle when you eventually stop working.
How are you trying to minimise any tax payable so you can keep more of what you own?
Are you taking enough risk in your investments to build your investible assets and are you on track to meet your current and future aspirations.
You would eventually like to slowdown and enjoy your life.

Here are some common challenges that High Net Wealth Individuals Face:

You have worked hard to build up a substantial sum of money either through selling your business or a large inheritance, regardless of how you came into the wealth you now have a substantial sum of money that you want to support your current and future lifestyle.
These funds maybe both inside and outside of the superannuation environment.
You want someone to trust to manage your wealth as you don’t want to manage your wealth all on your own, you want someone to provide you guidance and direction as you don’t have the expertise, knowledge or desire to do it on your own.
You may need some assistance to reduce some tax.

Here are some common challenges that Pre-Retirees Face:

You are about 5-10 years away from your ideal retirement date.
You want to maximise your retirement nest egg and know you have enough investible assets outside the family home to live a comfortable lifestyle for the rest of your life.
You would like to know how long your investments might last.
You don’t have the expertise in knowing where you are investing or how much risk you are taking.
You still want to enjoy your lifestyle today including going on holidays, buy a new car.
You want to ensure you are debt free before you make that transition to retirement.
You maybe thinking of downsizing the family home as your children leave home.
You are seeking guidance on how to manage your investments, maximise your wealth and reduce risk where necessary but understand your not just investing for the next 5-10 years but potentially for another 30 – 40 years.

Here are some common challenges that Retirees Face:

You are now predominately relying on your investments to support your lifestyle for the rest of your life.
You want someone to guide you on making decisions on your investments and help guide you on how much money you should be drawing down.
You would like to also utilise your money for ad hoc expenses including cars and holidays and other lump sum expenditures.
You want to downsize the family home.
You would like to know how long your investments might last.
You would like to prolong your savings to ensure you don’t outlive your retirement savings.
You would like potentially maximise any government benefits.

Here are some common challenges that Business Owners Face:

You are self employed and realise the only asset you have is your business and your house, you may or may not have any super.
You are looking to diversify away from the business and build up wealth outside the business.
You may have a really successful business with good cashflow and want to build up wealth outside the business.
You are about to sell your business and want to know how to minimise any tax and what to do with the proceeds.
Are you eligible for any small business tax concessions to reduce capital gains when you go to sell your business?
You want to step away from the day to day management and enjoy the fruits of the sale of your business by having someone else help manage your business sale proceeds.
You may want to take a different direction in life.

Here at Aspiri we can help. Contact us now to show you how.