A Coordinated Approach to Private Wealth
Private wealth planning brings your financial decisions into one aligned strategy. It typically covers investments, tax positioning, estate planning and risk. For high-net-worth individuals, business owners and multi-generational families, this connects each area into one cohesive plan.
Meet Rising Tide Financial
What Can a Private Wealth Advisor Do For Me?
Private wealth advice supports this by providing ongoing direction and oversight as your priorities and financial position evolve. In practice, this means:
- Aligning your investments across different asset classes and ownership structures
- Structuring your wealth to manage tax exposure and support long-term outcomes
- Identifying and managing risks tied to your income, assets and liabilities
- Planning for succession and the transfer of your wealth across generations
- Reviewing your strategy over time as your priorities, markets or structures change
Benefits of Working With a Private Wealth Advisor
Working with a private wealth advisor becomes more valuable as your wealth grows. Decisions need to be timed properly and fit with the rest of your finances, particularly when multiple assets, entities, and responsibilities are involved. The benefits of this approach include:
Making decisions with a clearer view of tax impact, timing and long-term outcomes, which become more relevant as the size and complexity of your portfolio increase.
Managing long-term growth and preservation together, helping maintain what you’ve built while continuing to build on it in a measured way.
More direct coordination with your accountant, lawyer and other professionals, reducing delays and keeping advice aligned when managing business interests or complex structures.
Establishing clear decision-making frameworks for family wealth, supporting continuity and reducing complexity as more people become involved.
As one of the leading private wealth management firms, Rising Tide Financial supports this by delivering coordinated advice across investments, tax and long-term planning.
Our Approach to Private Wealth Planning
- Clarity and direction across your finances matter. A private wealth advisor works with you to understand not just your numbers, but how your wealth is structured and where it’s heading, guiding decisions at each stage.
- First, we arrange an initial consultation to discuss your financial position. Your private wealth advisor reviews assets held in different structures, existing strategies, and any areas of complexity that need to be addressed early.
- We then discuss your long-term goals, covering lifestyle plans, business interests, and legacy. This ensures your decisions support your priorities over time.
- At this stage, we develop a strategy to bring these elements together, aligning investment allocation, tax positioning and estate considerations into a cohesive plan.
- Then, implementation puts the agreed strategy into place, setting up the right structures and investments. We coordinate with your broader advisory team to ensure everything is carried out correctly.
- Finally, ongoing management includes regular reviews and refinements, with private wealth advice adapting as your position evolves to keep your strategy aligned in the years ahead.
What’s Covered in Your Wealth Strategy
Structuring your investment portfolio
Your portfolio needs to reflect more than return targets. It should consider how your wealth is structured across different entities, when you may need access to capital, and how assets perform in different market conditions. Liquidity, risk exposure and tax outcomes all influence how your portfolio is set up.
An advisor can also help with private wealth planning and superannuation advice to align your investments with how you generate income and manage tax. Each part of the portfolio is positioned to work with your broader financial situation.
Insurance and risk management
As your financial position grows, protecting it becomes just as important as building it. Risk isn’t limited to markets; it also includes your ability to generate income and meet financial commitments if your situation changes.
This is where personal insurance, income protection and life insurance come into play. A private wealth advisor looks at how these covers align with your structures and responsibilities, helping avoid gaps or unnecessary overlap.
Managing tax at higher income levels
At higher income levels, tax becomes a larger part of the equation. Decisions around investments, distributions, and ownership structures can have a compounding impact over time. In the context of high-income financial planning, this focuses on managing tax exposure while keeping your broader position intact. This is managed by:
- Structuring investments to manage how income is received and taxed
- Aligning distributions with your wider financial position
- Considering long-term implications of tax decisions, not just short-term outcomes
Planning for your family’s future
Planning for the transfer of your wealth becomes more complex as ownership structures and family dynamics evolve. It involves aligning your intentions with the way assets are held, how control is transitioned, and how future decisions are governed.
In connection with family financial planning, this supports continuity and reduces friction as wealth is passed to the next generation. Private wealth advice helps bring these elements together, keeping your intentions clear and actionable.
What falls outside our scope
Some areas require specialist input, particularly legal documentation and certain tax matters. These are handled by external professionals, while Rising Tide Financial keeps your overall strategy coordinated.
As one of the leading private wealth management firms in Melbourne, we work closely with your accountant and legal advisors to keep everything aligned. Each professional remains responsible for their area, with clear coordination across the broader strategy.
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Understanding Our Advisory Fees
- A percentage-based fee on managed assets, covering ongoing advice and portfolio management
- Fixed advisory fees for defined strategy and planning work
- Hybrid models that combine ongoing portfolio oversight with strategic advice
Fees are discussed upfront as part of your initial consultation. A private wealth advisor will outline how fees are applied, what they cover, and how they may change over time as your portfolio or needs evolve. A personalised discussion provides a more accurate view of how fees would be structured for you.
Avoiding Mistakes in Your Wealth Strategy
Even well-established portfolios can run into issues when decisions are made in a rush. As your portfolio expands, the impact of these missteps becomes more significant, particularly when multiple assets, entities, and priorities are involved.
A private wealth advisor can help identify and address these risks early, including:
Concentration in a single asset or sector. This can build gradually, especially with business ownership, property exposure, or long-held investments. While it can work for a period, it increases vulnerability if conditions change, which is where diversification and active oversight become more relevant.
Inefficient tax structuring. As income and assets increase, poor structuring can lead to higher tax obligations that reduce net returns and limit how capital can be redeployed. This can also affect cash flow and the distribution of wealth across entities or family members.
Lack of succession planning and fragmented advice. Without a clear plan, wealth transfer can become complicated, leading to delays, disputes, or outcomes that don’t reflect your intentions. Managing multiple advisors separately can also create inconsistencies, where strategies don’t align or key details are missed.
Reactive decision-making. Responding to market movements or short-term changes can lead to inconsistent outcomes. Private wealth advice brings everything together, empowering you to make decisions based on your overall position and long-term goals.
Our Locations and Availability
Rising Tide Financial is an established private wealth management firm working with clients across Australia, including Sydney, Brisbane, Perth and Adelaide. Arrange a remote consultation and receive advice shaped by local requirements and client needs.
Frequently Asked Questions
Please read from our Frequently Asked Questions. If you feel stuck, feel free to schedule a chat.
What qualifications should I look for in a private wealth advisor?
Start by looking at both formal credentials and the standard of advice provided. In Australia, this means appropriate licensing, relevant qualifications, and meeting fiduciary obligations to act in your best interest. Experience with complex financial positions, including multiple entities, investments or family considerations, is also key.
How does a private wealth advisor tailor strategies to my needs?
Every strategy starts with a clear view of how your wealth is structured and what you want it to achieve. This includes:
- How assets are held
- Your income sources
- Business interests
- Future plans and legacy
From there, investments, tax positioning and long-term planning are aligned, rather than applying a standard model. The result is a strategy that reflects your priorities and adapts as they change.
What types of investments can be included in private wealth planning?
A private wealth strategy can include a broad range of investments. The focus is on how these assets work together within your overall position. This may involve:
- Listed investments such as shares and exchange-traded funds
- Property, including residential and commercial assets
- Managed funds and alternative investments
- Business interests or private investments
- Cash and fixed income for liquidity and capital stability
How often will I meet with my advisor?
The frequency of meetings depends on the level of complexity and how actively your strategy is being managed. For many clients, this includes regular reviews, along with additional discussions when significant decisions or changes arise. This ensures your strategy stays aligned while giving you access to advice when it’s needed.
What is the typical fee structure for private wealth advisory services?
Fee structures are usually aligned to the level of involvement and the scope of your financial position. This may include a percentage-based fee linked to managed assets, fixed fees for defined strategy work, or a combination of both.
Your private wealth advisor will outline the structure up front to give you a clear understanding before you proceed.
Can a private wealth advisor assist with estate planning and wealth transfer?
Yes, estate planning is a key part of managing wealth, especially with multiple assets or family members involved. The focus is on aligning your intentions with how your wealth is structured and governed. This involves:
- Coordinating with legal advisors on structures and documentation
- Planning asset distribution across family members or entities
- Establishing decision-making frameworks for multiple stakeholders
- Reviewing arrangements as circumstances change
This reduces uncertainty and keeps your intentions clear when wealth is passed on.
Testimonials
Ed Curnow
Since catching up with Matt, Tom & the team at Rising Tide, both Emily & I feel like we’ve had a chance to get our financial lives in…
Amanda Vallis
Great team! Braden was especially helpful in getting my finances sorted for my business.
Shae Thomas
Highly recommend the Rising Tide team - friendly, honest guys who have helped me make my financial dreams come to life. Also, they have a bar in their…
Nick Graham
Former Australian rules footballer Nick Graham discusses his Rising Tide journey.
