FINANCIAL PLANNING FOR BUSINESS OWNERS · BRISBANE
Financial planning for Brisbane business owners
Willow Wealth Partners helps Brisbane business owners connect business decisions with their personal wealth and retirement goals. We consider the role of super, investments and potential income outside the business, coordinating with your accountant and lawyer where their specialist advice is needed.
Book a complimentary 30 minute meetingA focused first conversation about your business, personal goals and whether financial advice may help.
What could your super grow to?
Explore how your starting balance, new contributions and time could work together. Compare future dollars with their estimated buying power in today's dollars.
A simplified illustration only, not a prediction or personal financial advice. All amounts are Australian dollars. Default figures are examples, not recommended assumptions.
Balances after each year's return and year-end contribution. Both lines start at the current balance. The table gives the same figures.
View year-by-year figures
| Year | Opening balance | Net contribution | Net growth / loss | Closing balance | Closing in today's dollars |
|---|
Assumptions and important limitations
We apply the annual net return to the opening balance, then add the net contribution at the end of each year. A contribution earns its first return in the following year. The first contribution is the amount you enter. With CPI increases selected, contributions rise by the CPI assumption from year 2. With fixed contributions selected, the nominal dollar amount stays the same and its buying power may decline.
Future dollars are the projected balance at the time shown. Today's dollars divide that balance by the compounded CPI increase over the same number of years. The breakdown adds your starting balance, total new nominal contributions and net growth or loss to show the final nominal balance. It does not add together inflation-adjusted contributions.
The same return and CPI apply every year. Actual returns and inflation vary, investment losses may occur, and the order of returns can affect the outcome. A constant return is a simplifying assumption, not a forecast or guarantee. At a −100% return, the opening balance is lost each year before that year's new contribution is added.
Enter contributions after any contribution tax and entry fees, and returns after ongoing fees and investment taxes. These costs and taxes are not calculated separately. This model does not calculate employer Super Guarantee, contribution caps or eligibility, contribution tax, personal income tax, withdrawals, insurance premiums, super access rules or Age Pension. Input limits are calculator limits, not legal contribution limits.
This calculator does not assess the suitability of a strategy or product, or whether the amount will meet your retirement needs. Seek advice about your circumstances before making financial decisions.
THE NEXT STAGE
You’ve built a successful business. What are you building beyond it?
A future sale may be part of your retirement plan, but its timing and value are uncertain. We help you consider how personal savings, super and investments could fit alongside the business, while allowing for its cash needs and your family’s priorities.
A BROADER FINANCIAL PICTURE
01 What the business needs
02 What you are building personally
03 What retirement may require
FOUR CONNECTED DECISIONS
Make room for the future you want.
A useful plan brings your business and personal finances into the same conversation, without assuming there is one right way to proceed.
01
Make use of what the business earns
Consider what the business needs to retain and what may be available to support your personal goals. Decisions about drawing or distributing profits should be considered with your accountant.
02
Build wealth beyond the business
Explore how super and investments outside the business may contribute to future income, rather than relying on the sale alone.
03
Think carefully about where wealth is held
The ownership and structure of investments may affect tax, flexibility and exposure to business or legal risks. Willow Wealth Partners can coordinate investment advice with your accountant and lawyer.
04
Keep the plan useful as life changes
Review the balance between reinvesting, personal wealth and retirement goals when the business grows, ownership changes or your timeline shifts.
WILLOW WEALTH PARTNERS’ ROLE
A clear view of the big decisions. Flexible enough for real business life.
Our role is to connect your personal goals with decisions about cash flow, super, investments and retirement. We consider the business as part of your financial position and help you understand the trade-offs, with priorities that can be reviewed as circumstances change.
You stay focused on running the business. Willow Wealth Partners helps keep your personal financial plan in view.
WEALTH STRUCTURE
How do we work with your accountant and lawyer?
Your accountant advises on tax, accounts and business structures; your lawyer advises on legal arrangements and obligations. We coordinate your personal financial plan with their specialist advice where needed. Business valuations and sale negotiations require the relevant specialists.
A CONSIDERED FIRST STEP
Know what happens before you decide.
We begin with a focused conversation about your situation. If you decide to proceed after seeing the proposed scope and fees, a goals and education session is followed by formal advice. Implementation begins only after you sign off on that advice.
01
Book and prepare
After you book, we send a questionnaire about your goals and financial position. A summary of business interests, personal assets, debts and super, plus any intended change in ownership or work, helps frame the first conversation.
02
Talk through the fit
In the complimentary first meeting, we discuss what you are looking for, where financial advice may help and whether it is needed.
03
See the scope and fees
After the meeting, we send a proposal outlining the intended services and fees. You decide whether to proceed.
RECOGNISED PRACTICE
Cobalt Advisers Practice of the Year 2024
Recognition of the work our team does for clients across Brisbane.
START WITH A CONVERSATION
Your retirement deserves more than one possible exit.
Whether a sale is on the horizon or years away, a first conversation can help clarify the personal financial decisions worth exploring. Tell us what you want life beyond the business to look like.
Book a complimentary 30 minute meeting
Lobby 1, Level 2, 76 Skyring Terrace
Newstead QLD 4006
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.
© 2026 Willow Wealth Partners