How your money is structured can matter as much as how much you have. The right entities, contribution strategies, and ownership arrangements can save thousands in tax over a lifetime.
Structure is the difference between efficient and expensive
Most Australians accumulate assets without a deliberate structural strategy. This could mean that every year, unnecessary tax is paid on gains that could have been deferred, offset, or eliminated with better planning.
Super goes into a default fund, investments are held in personal names, and trust structures are set up for the business but never reviewed for personal wealth. We work with your accountant and lawyer to review your current structures and identify the opportunities you’re missing — across super, investments, trusts, and entity arrangements.
Sound familiar?
These are the problems we solve every day
Multiple super funds, a couple of investment accounts, and no clear picture of how they all connect?
Structures you set up ten years ago that no longer match your situation?
Know your tax position could be better but not sure what to change — or where to start?
Been told by your accountant to restructure but haven't had anyone model what that actually looks like?
Strategy
What our planning & restructuring service includes
01
Super consolidation and optimisation
Review all accounts, consolidate where it makes sense, optimise contributions across concessional and non-concessional caps, and invest in a way that matches your timeframe.
02
Investment ownership review
Personal name, joint, trust, company — we’ll assess whether your current investment ownership is tax-efficient and recommend changes where the benefit justifies the cost.
03
Tax-effective strategies
Salary sacrifice, debt recycling, contribution splitting, carry-forward concessions, and franking credit optimisation. We identify and implement the strategies that might not be obvious to everyone.
04
Unified advice with your professional team
We don’t work in a silo. We coordinate with your accountant and lawyer to make sure financial planning, tax strategy, and legal structures are all pulling in the same direction.
Testimonials
We've helped Australians optimise their financial structuring since 1986
“We have been very pleased with our Financial Partner, Profile for over 16 yrs now. They entirely understand the diversity of our personal and corporate structure to meet with the needs of our extended global family. The performance results have met or exceeded our goals and expectations. The key behind the success of our Partnership has been the quality of the Profile Leadership team ably supported by a strong line of support staff. Whether it’s a Big Picture issue…or necessary attention to small details,Profile are always there for us... Overall we rate Profile as Excellent FP Partners ..and look forward to a continued robust partnership in the years ahead.”
Dorset Sutton
“We needed to simplify our complex financial situation to go forward towards retirement and Kurt and the team showed us the ways to move forward with sound advice and different strategies in a way that we understood and made us feel comfortable and confident. Looking forward to retirement knowing that the team at Profile will be there to give the guidance and support that we need for a comfortable retirement.”
Wendy Burton
“Home of our trusted, expert and generally fabulous advisor Rachael Arnold. We are so fortunate to know her!”
Michael Bowan
Learn
Frequently Asked Questions
Get to know more about us and how we can help you before you start a conversation.
Who sets up self-managed super funds?
An SMSF is established by its members, who become the trustees and remain legally responsible for it. Most people work with a licensed financial adviser, accountant or SMSF administrator, and a lawyer to ensure the fund is suitable and set up correctly.
What does a financial adviser do in Australia?
A financial adviser helps you make informed decisions about your money, including superannuation, investments, insurance, retirement planning, cash flow, tax-aware structuring, estate planning considerations and long-term wealth strategy.
In Australia, personal financial advice must be provided by an authorised adviser who is listed on the Financial Advisers Register. Advisers also need to meet conduct and disclosure obligations, including acting in the client’s best interests when providing personal advice.
When should I seek financial advice?
You should consider financial advice when your financial decisions become complex, high-value or long term. Common triggers include buying a home, starting a family, receiving an inheritance, changing jobs, receiving equity or bonuses, preparing for retirement, selling a business, managing tax, or deciding how to invest surplus income.
Good advice is not just about investments. It is about creating a clear plan, understanding trade-offs and making sure decisions across tax, super, insurance, debt and estate planning work together.
How do I choose a good financial adviser?
Look for an adviser who is properly licensed, transparent on fees, experienced with clients like you, and able to explain advice clearly. ASIC’s MoneySmart recommends checking an adviser’s qualifications, experience, fees, services and whether they have any links to product providers.
A good adviser should take time to understand your goals, explain alternatives, disclose costs and risks, and give you space to make informed decisions.
What should I expect from a financial advice process?
A strong advice process usually includes discovery, goal setting, strategy development, written recommendations, implementation and ongoing review.
For personal advice in Australia, clients may receive a Statement of Advice explaining the advice, the basis for the recommendations, relevant costs, benefits, risks and any conflicts or remuneration. ASIC guidance emphasises that advice should be clear, concise and effective.
How much does financial advice cost?
The cost depends on complexity. A simple advice engagement may be relatively contained, while comprehensive advice covering superannuation, investments, insurance, retirement modelling, tax structures and estate planning coordination may cost more.
Best practice is for fees to be clear upfront, agreed in writing and linked to the scope of advice. Clients should understand whether fees are fixed, hourly, ongoing, asset-based or a combination.
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Let’s talk about what’s possible
Book a zero-cost conversation with one of our expert advisers. No jargon and no pressure. Just clarity on your wealth, your goals, and your next step.
