Client Manuals

We believe in the value of wisdom

Our Client Manuals provide quality, practical information that really helps.

Self Managed Super

Self-managed super funds (SMSFs) are a great way to manage your own retirement benefits. Compared to other forms of super, they give you more control, more flexibility and, if they lead to lower fees, they often give you more money as well. Some people even find managing their own super enjoyable! In this ebook, we examine SMSFs from start to finish. We have designed the book to let you answer a simple question: is an SMSF is right for you? So, please read on and, as ever, feel free to get in touch if there is any aspect of your own super that you would like to discuss.


Superannuation, or super as it is more commonly known, is a cornerstone of most people’s personal financial management. Apart from their own home, for many people superannuation comprises their entire personal wealth.

Risk Insurance

If you or someone you love depends on your income, then you need life insurance. But how do you know which type you need, or how much, or how best to pay for that insurance? In this ebook, we examine the life insurance options available to you so that you can make an informed decision about one of the most important purchases you will ever need to make.

Estate Planning

Estate planning is an essential part of any financial plan. And while the principles of estate planning are relatively straightforward, the specifics can be a lot more complicated. This new eBook contains a comprehensive summary of everything a good estate plan should include. Enjoy, share and please do not hesitate to get in touch if there is anything about your estate planning that you would like to discuss.

The Family Home

A family home is a must for anyone who is serious about achieving economic freedom. In this ebook, we look at the ways in which family homes contribute to your economic and social wellbeing, and spend a lot of time discussing practical ways to make home ownership more effective – especially when it comes to helping out other members of your family such as adult children or elderly relatives. Given our commitment to gender equity, we also devote considerable attention to the unique difficulties facing single parents, and especially single mothers.

Buying the right family home is much easier when you manage your finances as effectively as possible. So if you need to talk to someone about how to make the best decisions about your own family home, talk to us.

We hope you enjoy this ebook. Please let us know your thoughts and we look forward to continuing to bring you high quality, practical information that really helps – just like this one.


Knowledge is power, and budgets provide powerful knowledge. This ebook gives you a practical, down to earth guide on how to prepare an income and expenditure budget to make sure each year is a good one.

Negative Gearing

Negative gearing is where the income from a geared asset (that is, an asset that is bought using borrowed money) is less than the interest and other holding costs related to that asset.

Intergenerational Financial Planning

Most of us see our families as a single economic unit. In this ebook, we look at ways that wealth can be created, stored and shared within that economic unit. We place a particular emphasis on homes and how each generation of a family can be assisted to purchase a family home.

Small Business

Often, businesses are the best investments. We regularly recommend clients buy or start businesses, or further develop existing businesses, wherever a client is suited to this by inclination, personality or training. The extra economic benefits, improved tax planning and, hopefully, the CGT free profit on the ultimate sale of the business mean this is an option clients cannot afford to overlook. In this ebook, we look at the business plan, staffing and time management aspects of a successful business.

General Advice Warning

All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial, legal, credit and/or taxation advice prior to acting on this information.

Need independent financial advice?

Contact Jane Clark to schedule an appointment.

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