OUR Clients

People we work with

While many people would benefit from Wealth Foundations’ service, we believe that it will be most valuable to you if you have similar characteristics to our existing clients.

The following six profiles describe the types of people who currently enjoy our approach to wealth management and will continue to do so in the future. A supporting case study is also provided for each profile to demonstrate their typical financial concerns. It should be noted that for confidentiality reasons the case studies do not describe actual clients.

We hope the profiles and case studies provide you with some insight into who we are best placed to help.

Aspirational 30-40 year olds – “the world’s their oyster …”

These people are likely to be couples, perhaps recently married. They are probably either thinking about children or may already have young pre-school age children.

Most likely, but not exclusively, the male partner is on the career fast lane as a senior executive, investment banker, up and coming medical specialist or a young partner in a law or accounting firm. The female partner may also work (and be career successful in her own right), but is likely to remain at home while any children are young.

To date, money has not been an issue. The couple may already have an apartment or modest residence that is largely debt free. They drive nice cars, go on regular overseas holidays and dine-out regularly. Despite this, they have been able to save and/or pay off debt because both are or were working, with a household income likely to be in excess of $300,000 p.a.

Successful 40-50 year olds – “make or break …”

Usually, but not exclusively, the male partner is moving towards or at peak of a career, as an investment banker, respected medical specialist, senior partner in a law or accounting firm or high level business executive.

Generally, household income is well in excess of $300,000 p.a., with a sizeable component of investment bankers’ and executives’ remuneration provided as company shares and/or share options.

Any children are in or about to enter secondary school, most likely at private schools. The female partner is unlikely to be working. Alternatively, she may be doing a limited amount of work but it does not contribute significantly to the couple’s total financial position.

The family’s lifestyle is very pleasant, with nice cars, overseas holidays, dining out – to some extent, it is seen as reward for a potential work/life imbalance.

The couple is likely to have a mortgage, put in place to finance a residence upgrade to cater for a growing family. There may also be a desire to extensively renovate to update the residence to cater for changing family needs.

While all outward appearances indicate “success”, there may be a feeling of not making a lot of financial progress – money appears to be going out as fast as it is coming in.

Reappraising 50-60 year olds – “a change in direction …”

These clients are most likely to have a major income earner who is a professional ( e.g. medical, legal, accounting) or senior business executive that has gone as far as they want to go in a successful career. They are looking to wind down or transition to a less demanding and / or less time consuming role where their experience and skills can continue to be used.

Any children have finished or are close to finishing school, with most going to university – perhaps, some now have a degree of financial independence. A previously non-working partner may be returning to the work force but may not be contributing significantly to the family’s financial position.

The mortgage may be repaid or is at least at a very manageable level. The couple is likely to have a reasonable amount of superannuation and, perhaps, something of an unstructured investment portfolio outside superannuation.

Ongoing cash inflows exceed cash outflows, with no significant sizeable once-off lifestyle expenditures planned. There is an opportunity to maximise accumulation. Business executives may have vesting shares / options that offer the prospect of significant gains.

Immediate pre-retirement and retirement – “much better late than never …”

This group describes couples who have decided to retire or are already retired. They do not expect to receive any more exertion income and need to rely on accumulated investment wealth to meet their lifestyle aims. They are likely to have at least $2 million of investment wealth and own their residence outright.

Any children are now likely to be largely financially independent on a day-to-day basis but weddings, grandchildren and help to purchase property could require sizeable expenditure.

Independently Wealthy – “handling wealth with wisdom …”

These clients have accumulated significant wealth. They have more than enough to meet their lifestyle needs, without the need to work but may still be working because they enjoy it. Wealth may have come from the sale of a business, vested shares for a senior executive, an inheritance or a divorce settlement.

They may be any age and any family situation. Their defining characteristic is that they are looking for someone to help them use their wealth in a purposeful way, rather than simply invest their funds. They want to be strategic about utilisation of their wealth, but do not want to be consumed by the management of it – they are too busy enjoying other aspects of their lives.

Independently Wealthy – “handling wealth with wisdom …”

These clients are recently divorced or widowed, likely to own their own residence and have at least $1 million of other assets and / or earn at least $200,000 p.a. They are looking for help to plan their financial future and want a trusted sounding board.

They want to be able to get on with the rest of their lives, rather than having to get on top of personal finances, previously looked after by their former partner. However, it is absolutely critical that they are comfortable with their adviser.

  • Pamela Grets
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    Pamela Grets
    Sonus Inc.
  • Jenny Banks
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    Jenny Banks
    Dopel limited
  • Rob Mals
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    Rob Mals

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