At Atlas Wealth Advisory, our guiding business principle is to provide an honest and professional financial advisory service to all our clients.
At Atlas Wealth Advisory, we take a holistic approach to Wealth Management. Our experts work to understand your unique circumstances & financial goals.
When armed with the right advice, our clients find themselves in a better financial position to achieve their life goals.
Our Wealth Advisory service encompasses far more than just money management and the placement of investments. We take a holistic approach to your situation, taking the time to really get to know you, your unique circumstances and your goals and ambitions.
Our wealth advisers work closely with our business advisory and tax teams. This allows them to analyse how investment strategies and transactions interact with tax planning and ownership structures to affect both your personal wealth and business.
In doing so we help our clients to make smart decisions about their money and ensure they maintain their chosen lifestyle.
Our purpose is to guide clients through their wealth journey by providing simple & personalised financial solutions in each stage of their life.
Continuously improve in the way we provide exceptional service to our clients by providing a clear & simple strategy through their wealth journey.
Embrace technology which will allow us to spend more time with our clients & provide better tools to educate & engage them.
Your strategies will be reviewed regularly and will benefit from our ongoing support and advice. We will stay in touch, ensuring your plan stays up to date as your life changes.
We've compiled a broad range of useful links for your use. These include tax resources, finance, media, Australian government assistance, business and accounting software
Watch our video series to learn more about the value of getting financial advice, how it applies to common life events and how we can help you.
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Harry is the founder & Practice Principal at Atlas Wealth Advisory. His experience in banking & financial planning spans over 20 years. He holds a Masters Degree in Financial Planning & is a member of the Financial Planning Association.
Harry’s integrity, along with his personal approach and guidance he offers to our clients is widely acknowledged in the community. He has guided countless clients through their wealth journey to help them reach their lifestyle goals with simple & practical strategies in each stage of their life.
Harry has developed collaborative relationships and partnerships with key providers in the investment and insurance world, industry experts and market specialists, ensuring the highest levels of compliance and understanding of increasingly complex regulations and legislation.
In his spare time, Harry enjoys travelling & spending time with his wife & 2 children. He is an outdoor enthusiast with a passion in Mountaineering.
Natalie has over 17 years of experience in financial planning and banking. She has completed her Masters in Applied Finance and holds a Bachelor of Commerce majoring in Financial Planning and Economics through the University of Wollongong.
Natalie is a member of the Financial Planning Association.
Natalie is passionate about helping people enhance their financial position with affordable and effective financial advice no matter what stage of life they are at. Natalie is a strong believer that great advice today makes for an even better tomorrow.
Outside of work Natalie enjoys spending time with family and friends and visiting new countries.
Alex has over 35 years of experience in banking and financial services. Alex is focused on providing a seamless customer experience from the beginning of their journey with Atlas Wealth Advisory to the end.
As a former financial planner, Alex is an advocate for improving the greater community’s financial wellbeing through the provision of holistic financial advice.
Alex also enjoys spending time with family and friends outside of work.
Financial advice is determining how an investor is going to meet their goals and objectives. It is about helping clients define their goals, gathering information and analysing data to make a plan, then implementing the plan and monitoring the results. It is also monitoring and updating goals and objectives as clients move through different phases of life.
'Failing to plan is planning to fail.' It's a cliché but when it comes to investing money, setting and then attaining long term financial objectives, then it makes a lot of sense to have a plan. Also, history shows time and again that the sooner you can start the better the outcomes.
Attaining long term objectives is better served by setting some short term goals. For example, such milestones might be set for 1-3 years, then 4-6 years and then 7+ years.
However, just having a plan isn’t enough. It needs to be regularly revisited and amended accordingly. Like the initial drafting of a plan the ongoing review process can be complex, increasingly so due to an increasing number of rule and regulation changes. We can help you manage this complexity and provide you with regular reviews.
Our primary aim is to help you attain your financial objectives.
Superannuation is mandatory but taking an early and active interest in it is critical to ensuring the benefits it can offer are maximised by the time you retire.
However, for many, simply relying on employer contributions may not be enough and you may need to look at strategies such as additional contributions or salary sacrifice.
Older Australians will need to focus even more on their superannuation strategies because most came to this form of saving later in life. It is always best to start saving and planning for your retirement as early as you can.
Retiring on your own terms is not always easy to achieve, however it is evident that those who plan for retirement are more likely to do so. Results also show that obtaining professional help during the pre-retirement years further improves the probability of attaining your retirement objectives.
The earlier you start implementing a plan the better the outcomes.
During one’s working life there is always an income to make ends meet when raising children, paying off a mortgage, and myriad other lifestyle costs.
Retirement planning is about the lifestyle you will have after you stop work and receiving employment income. Planning focuses on issues such as how much superannuation is enough, taking a super pension, claiming the Age Pension, making superannuation contributions while receiving a pension from a super fund, estate planning and looking after your family.
Planning properly is becoming even more important now we are expected to live longer. This greater need means that professional help has never been more important as well.
Self-Managed Superannuation Funds (SMSFs) offer an alternative strategy option for many individuals, families and small business owners to build tax effective wealth and protect assets over time. SMSFs are becoming popular for those who are ready to take control of their own super investments as they give you ultimate control and flexibility to manage your retirement benefits.
It must be noted though, that you will have increased responsibilities as a trustee of the fund. As a SMSF Trustee, you need to keep up to date with all required SMSF regulations and be aware of changes occurring in financial markets.
We can work with you to understand your personal financial situation and decide whether a SMSF structure is appropriate for you. We will also help you to invest your assets in the most effective way to maximise your retirement benefits, whilst complying with your fund’s investment strategy.
It is generally agreed that there are a number of benefits of an SMSF, but it is important that you also understand that an SMSF may not suit your situation. Outlined below are some of the reasons why a SMSF needs to be considered carefully before establishment:
Running and managing a SMSF may not be suitable to everyone. Many of the advantages are also a disadvantage:
Should you wish to consider establishing a SMSF then we can help with:
Start getting the support you need and book a consultation with one of our team members today.
Investing your hard earned savings can be complex to manage and benefit from. There are many issues such as levels of risk, market timing, asset classes, and your own goals, objectives and preferences that need to be considered. Even getting started is difficult but this is where we have the time and expertise to help you.
Even after initial investments are made there are important issues that need to be addressed such as reviewing investment selections, buy/sell decisions, tax considerations, and when to take a loss or profit. In addition, there is a huge amount of investment information and spruiking that can easily lead you in the wrong direction with unwanted consequences.
Market volatility simply makes the situation harder and can often lead investors into emotive and rushed decisions.
Having a proper investment plan is very important and the sooner you implement it the sooner you can grow your wealth. We can help you develop a financial plan and provide advice that will help overcome the issues raised above.
Personal risk protection - insurance can provide you with cover whether you're living by yourself and building your business, or want to ensure your family will have support if you were to become ill or pass away.
There's a wide variety of insurance options available today, each tailored to a different aspect of people's lifestyle and career. When choosing an insurance plan, it is important to make an educated decision on what will best suit you and those you want to include in the plan.
Here at Atlas Wealth Advisory, we provide professional advice on insurance risk protection plans for individuals, couples, families and business owners. Our advisors will sit down with you to discuss your plans, assessing insurance options to suit your lifestyle and goals.
Life insurance pays out a lump sum to you in the event of your death or terminal illness. This lump sum can assist your family with meeting their financial requirements such as funeral costs, mortgage payments and school fees.
Total and Permanent Disability insurance (TPD) provides a lump sum in the event you are totally and permanently disabled from illness or injury. This can provide financial support to assist with:
Income Protection / Salary Continuance
Income protection pays out a monthly benefit which can cover up to 75% of your salary/income, in the event you were to suffer from an accident, illness or major trauma that stopped you from working.
Income protection insurance can help you with covering day-to-day expenses, supporting your family and recovering until you return to work. The annual premium for income protection is also generally tax deductible.
Business expenses insurance is similar to income protection insurance, though tailored for business owners. It provides a monthly benefit to cover business costs (generally for up to 12 months) if you were to suffer from illness or injury and unable to work. What business costs are covered varies from plan to plan, thus make sure to review the appropriate insurance plans for the cover you require.
Trauma / critical illness insurance provides a lump sum on the diagnosis of a specified medical condition or procedure. The applicable medical conditions vary between insurers and can cover cancer, heart attack, stroke or organ transplant.
The financial support provided by trauma / critical illness insurance can help you with focusing on recovery, while providing you with funds to cover costs such as bills, loan payments and living expenses.
The cost of insurance plans and the appropriate amount of cover can vary based on different aspects including your age, gender and income. As such, it is best to discuss your insurance options and plans with a professional to determine what would suit your lifestyle and goals before committing to an insurance plan.
Aged care is an increasingly complex area for us all to navigate but we have little choice. Issues such as changing legislation, taxation issues, bonds, care facilities, general planning, types of assisted living, Centrelink, and estate planning need to be considered. And all this at a time in life when managing such matters can become increasingly daunting and difficult.
We specialise in managing all matters to do with aged care and can help in the following ways: