FINANCIAL ADVICE · BRISBANE
Investment advice and asset structuring in Brisbane
An investment plan needs to fit the life you want to fund. We help you connect your goals, comfort with risk and access to money with decisions about what to invest in and how to hold it.
Book a complimentary 30 minute meetingA first conversation about your questions. We’ll agree the scope and fees before preparing personal advice.
YOUR QUESTIONS, YOUR PRIORITIES
What do you need your investments to do?
Your next decision may look different depending on your stage of life.
Where do I start?
You may be earning well or have savings to invest, while balancing a mortgage, family commitments and longer-term goals.
How much is tied to my business?
For business owners, investing outside the business can raise questions about cash reserves, ownership and the wider family plan.
How will I fund retirement?
You may be considering how investment income, super and accessible savings could support spending through retirement.
BUILDING YOUR INVESTMENT PLAN
Start with the purpose, then consider the portfolio.
We bring the moving parts together before recommending an approach. Depending on your needs, we consider:
Goals and timeframes
What the money is for, when you may need it, and the balance between income, long-term growth and accessible savings.
Risk and diversification
Your experience, comfort with market movements and ability to absorb losses. Spreading investments can reduce reliance on one holding, but cannot remove all risk.
Costs and practical details
Investment and advice fees, tax considerations, and any costs or restrictions involved in buying, holding or selling investments.
What you already own
Your existing investments, super, property, business interests and debt, so new decisions are considered in the context of your wider finances.
HOW YOUR INVESTMENTS ARE HELD
The structure is part of the decision.
There is no single ownership structure that suits everyone. We help you consider the options, with input from your accountant or solicitor where needed.
Personal or joint ownership
Consider who owns the assets, how investment income is treated, and how ownership fits your family and estate planning needs.
A family trust
A trust involves setup costs, administration and trustee responsibilities. Its terms and your circumstances matter when assessing whether it is appropriate.
A company
Company ownership brings its own tax, access and administration considerations. It is not automatically the most suitable choice for a business owner.
Superannuation
Super is designed for retirement and has contribution and access rules. Its role in your plan depends in part on when you may need the money.
UNDERSTAND THE TRADE-OFFS
No structure removes investment risk.
Investment values and income can fall, and returns are not guaranteed. A structure that suits one person may add cost or complexity for another.
Changing how assets are held can have tax and legal consequences. We consider those implications alongside costs, access to money and your wider goals. Tax savings or asset protection should never be assumed.
HOW ADVICE WORKS
A clear process, with room for your questions.
We begin with your goals and existing position. If advice is suitable, we explain the proposed work and fees before you decide whether to proceed. Ongoing portfolio reviews are available under a separately agreed service and fee arrangement.
Understand your goals and existing investments
Agree the advice scope and fees
Explain the options, risks and next steps
COMMON QUESTIONS
Questions worth working through.
These are starting points for a conversation. The right approach depends on your circumstances.
Can you review investments I already hold?
Yes. We can consider your existing portfolio and how it fits your goals, risk tolerance and wider finances. Any proposed changes need to account for costs, tax consequences and the reasons for holding each investment.
Do I need a trust or company to invest?
Not necessarily. A more complex structure is not automatically better. We consider the potential benefits, costs, responsibilities and access to money, working with your accountant or solicitor where appropriate.
Will you review my portfolio over time?
An agreed ongoing service may include portfolio reviews and consideration of changes in your life, goals and investments. We explain what is included and the fees before you decide whether to engage us.
What happens at the first meeting?
The complimentary 30 minute meeting is a chance to discuss your questions and whether our advice may suit you. There is no commitment to proceed. We agree the scope and fees before preparing personal advice.
CONNECT THE WIDER PICTURE
Investment decisions rarely stand alone.
Explore related advice, or browse our Education library for more articles.
Cash flow and debt
Consider how accessible savings, debt and regular commitments affect the money available to invest.
Explore this topic → 02Retirement planning
Connect investment decisions with the income, spending and lifestyle questions ahead.
Explore this topic → 03Estate planning
Consider how investment ownership fits your wishes for family and wealth transfer.
Explore this topic →TAKE THE FIRST STEP
Let’s talk about your investment questions.
Whether you are starting out or reviewing an existing portfolio, begin with a conversation about what matters to you.
Willow Wealth Partners home
Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
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Willow Wealth Partners Pty Ltd (ABN 57 666 182 556) is a Corporate Authorised Representative of Cobalt Advisers Pty Ltd (ABN 64 628 654 099), Australian Financial Services Licence 512550.
Important Information
Information contained on this website is of a general nature only. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
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