Our services

Our comprehensive approach

Trust your financial strategy, understand your options and take your opportunities.

Every client’s situation and needs are different. You may be reaching out to us in the midst of a significant life change – a major career move, inheritance, a divorce, imminent retirement or the sale of a business.

Or you may simply feel the need for greater clarity, to establish control and to define the trajectory of your financial life and future. Our wealth advice and management services provide a considered pathway with integrated strategic and technical solutions.

Strategic planning

A comprehensive strategy, combined with careful management, designed to go forward

Investment advisory

A robust and disciplined service focused on building and preserving your wealth into the future

Tax planning

Optimising tax outcomes across your private wealth framework

Philanthropy services

Effective giving that creates a positive impact in our community

Strategic planning

A comprehensive strategy, combined with careful management, designed to go forward

Investment advisory

A robust and disciplined service focused on building and preserving your wealth into the future

Tax planning

Optimising tax outcomes across your private wealth framework

Philanthropy services

Effective giving that creates a positive impact in our community

Strategic planning

We take a long term, holistic approach that considers your unique circumstances and aspirations, to develop a tailored strategic plan to maximise opportunities, mitigate risks and adapt to varying scenarios to ensure financial wellbeing. From investment and tax planning to retirement and estate planning, our comprehensive suite of services addresses all your financial needs. Strategic planning services rely heavily on technical expertise, technology, and research solutions, empowering you to understand any implications and make informed decisions to navigate the complexities of your financial landscape.

Entity design and structuring
Life transitions (managing an inheritance, asset division planning, loss of a partner)
Superannuation and self-managed superannuation
Retirement planning
Estate planning
Lifetime wealth modelling and scenario planning
Intergenerational wealth transfer
Family office services
Wealth protection (income protection, trauma and TPD life insurance, business succession planning)
Financial reporting
Bill payment
Cash management
Expense tracking

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Investment advisory

With a focus on long-term growth, preservation of capital, and prudent risk-taking, we strive to empower our clients with the knowledge and strategies necessary to navigate the ever-evolving landscape of the financial markets. Our dedication to transparency, integrity, and a client-centric approach forms the foundation of our investment philosophy, ensuring that we are always acting in the best interests of those we serve. We are people driven and data informed.

Asset allocation > We proactively allocate resources within a portfolio to strike a balance between growth and stability, to capitalise on market opportunities while safeguarding against potential downturns.
Investment strategies and recommendations > We are people driven, and data informed. Always considering the unique needs of each investor.
Portfolio construction and administration > A well-constructed portfolio reflects risk management, asset classes, specific tax liabilities, return expectations, lifestyle preferences, and specific personal values.
Ongoing portfolio management > Our approach is collaborative, transparent, and consciously dynamic; adapting your portfolio as your life and lifestyle evolves.

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Tax planning

We help our clients to ensure tax effectiveness, and optimise tax outcomes within your entire private wealth framework. With a focus on planning tax efficient structures and collaborating with your accountant to achieve an integrated approach.

Tax planning and considerations > Effective tax planning reflects various considerations such as income sources, investments, deductions, credits, and legal structures. We assist clients to optimise their tax position, increase after-tax returns, and preserve wealth.
Collaboration with Accountant to determine tax consequences of your investments and the sale of financial assets. > We work with our client’s trusted circle of professional advisers creating relationships and leading an integrated planning approach for seamless outcomes. We can also introduce you to our network of specialists if you require specific support and guidance.
SMSF’s, Structuring, Investing in Family Trusts > Assisting clients to identify tax-efficient investment vehicles, utilising tax credits and deductions and implementing strategies to manage tax payments.

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Philanthropy services

Philanthropy services help clients to make informed, thoughtful decisions so your giving has the most impact. By effectively engaging in charitable giving you can experience the pleasure and satisfaction that comes from creating a positive impact in our community and supporting the people and causes you care about.

Strategy facilitation > Supporting clients to set philanthropic goals, explore different causes they may wish to support, seek evidence of impact, choose appropriate structures and maximise tax benefits in context of your overall financial strategy.
Family education > Assisting with how philanthropic structures will work across generations and enable multiple generations to engage in a family’s wealth, share in a common purpose and form strong relationships with recipient charities over time.
Legacy Giving > Many clients wish to incorporate philanthropy into their estate planning and require assistance in setting up charitable trusts or foundations, establishing planned giving arrangements, and creating strategies to ensure a lasting impact through charitable bequests or endowments.

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Investing with purpose

Our ethos, principles and approach

Our investment philosophy is built on a steadfast commitment to providing our clients with personalised and comprehensive guidance to help them achieve their lifestyle aspirations and financial goals.

Our investment philosophy

Questions we’re asked

For such an important partnership, it’s understandable you have questions

Explore our frequently asked questions for more information about our approach and what you can expect when working with Zone Financial as your wealth advice and management partner.

Frequently asked questions

Our investment philosophy

Frequently asked questions

Zone Financial

We are a strategic wealth advisory for forward thinking individuals and families, supporting them to use their wealth with intention and purpose to create the life and legacy they choose.