Primary Wealth Management provides comprehensive financial advice designed to help you feel confident about your money — now and into the future.

Our advice is not transactional or product-driven. It’s built around understanding what matters to you, putting sensible strategies in place, and supporting you over time as life changes.

Managing money for your family has become more complex than ever. With Australian superannuation assets now exceeding $4.3 trillion, retirement savings and investment structures play a central role in many households' long-term wealth.[1] We help you organise your savings, investments, debt and insurance so your family can navigate rising living costs confidently, even when interest rates change or markets move.

Australians hold a growing share of their wealth in market-linked investments as compulsory super contributions and voluntary investing increase.[1] We design evidence-based investment strategies that balance risk and return, so you can stay invested through market cycles and remain focused on the outcomes that matter.

Many Australian families don’t realise they may not have enough life or income protection in place to support their debts and loved ones if something unexpected happens. [4] We help you quantify your protection gap and put in place tailored cover so you can safeguard your income, debts and loved ones' lifestyle.

Super is often one of your largest assets, yet many people have multiple accounts, pay unnecessary fees or aren’t sure whether their investments suit their goals. With over $4.3 trillion now held in Australia’s super system, getting your structure right matters more than ever. [1] We help you consolidate, choose suitable investments and make the most of contribution and tax strategies within the super system.

Australians can now expect to live to around 81 for men and 85 for women, meaning your savings may need to support a retirement of 25–30 years or more.[3] We help you understand how much you need, structure your income streams and manage risks like inflation and market downturns so you can retire with confidence.

For many retirees, the Age Pension remains a key income source, but complex income and assets tests mean small decisions can have a big impact on entitlements.[5] We help you understand how your super, investments and structure choices interact with government benefits so you can maximise your position.

Tax is often one of the largest expenses for Australian households and investors, yet many pay more than they need to by not using available structures and concessions.[1] We help you design tax aware strategies across super, investments and business interests so more of your money works towards your long-term goals.

As personal wealth grows, so does exposure to risks such as litigation, business failure, relationship breakdown and creditor claims. We help you put in place appropriate structures and strategies so your hard-earned assets are better protected from events you cannot always control.

Industry projections indicate Australia is entering a period of significant intergenerational wealth transfers as super and property balances built over decades pass to the next generation.[4] We help you create an estate plan that directs your wealth where you want it to go, in a tax-effective and orderly way, while minimising stress for your loved ones.

Key financial decisions – like upgrading your home, changing careers or retiring earlier – can have long-term impacts that are hard to visualise.[5] We use scenario-based financial modelling to show you how different choices may affect your cash flow, debt levels and wealth over time, so you can decide with greater confidence.

ASIC research shows 41 per cent of Australians intend to get financial advice in the future, yet only around a quarter have received advice so far, leaving a large advice gap.[7][6] We provide holistic financial planning that brings together every part of your financial life into one clear plan you can act on.

Australians are living longer, and many will spend a significant period needing some level of care and support later in life, which can place pressure on family finances.[3] We help you understand the financial implications of home care, residential care and lifestyle decisions so you can make informed, timely choices.

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