At different stages in our lives, we have different priorities, responsibilities and financial goals. Macquarie Private Wealth can offer you strategic financial advice and source investment opportunities for your current life position.

Starting out

When you’re starting out, you might be saving for your first home, looking for ways to make the most of your income or manage your personal debt - or you might be working towards a goal, like a wedding or an overseas trip.

Whatever your individual financial goals are starting out, we offer strategic financial advice and the best possible solutions to set you up for success.

We don’t just offer you Macquarie products and solutions. We’re committed to providing the most appropriate investment opportunities and financial solutions for your individual needs. In doing so, we source a wide range of solutions both from within Macquarie and from other leading providers within Australia and around the world.

Building up

As your income increases, you might also have new responsibilities to consider like a young family or a mortgage on your home. You may have shifted gear from a double to a single income or you might be looking for ways to capitalise on your current financial position without significant risk.

We can work with you to build your wealth without risking what you’ve already achieved.

Negotiating change

You may have changed jobs or taken a redundancy, or you may be going through a divorce. There may have been a recent death in the family or your family circumstances may have changed in some other way

We can help you negotiate changing circumstances to optimise your financial position.

Redundancy

If you’ve recently experienced a redundancy or you plan on taking a redundancy package in the near future, there are important financial considerations to take into account both in the short term and into the future.

Death of a family member

In the unfortunate event of a death in the family, there are a lot of changes to come to terms with. We can help you manage changes to your financial circumstances, whether you have recently received an inheritance, need to re-assess your financial and lifestyle objectives or wish to plan your own estate for your family’s future.

Divorce

If you’re going through a divorce, it’s important to seek comprehensive financial advice to understand and assess your financial options and to achieve the most beneficial outcome for yourself and your family members.

Changing family circumstances

You may have recently become a parent or your children might be leaving home to find their own way in life. Changing family circumstances mean inevitable changes to your financial priorities both in the short term and well into the future.

Looking ahead

While you’re enjoying the prosperity you’ve established and begin to look ahead to retirement, we can help you to maximise your wealth and plan most effectively for the future you’ve always wanted.

May be suitable for:

• Investors looking to protect their income and assets for themselves and their family.
• Investors paying high marginal tax rates looking to decrease their tax burden.
• Investors looking to maximise their wealth in the most effective way with the view to retirement.

Winding down

As you start to wind down into retirement we can help you to think ahead, protect your assets, and manage your wealth to achieve your individual retirement goals.

You may be retired (or close to retiring) and receiving income from your investments but little or no salary. You might be helping out with your grandchildren, starting up a new hobby or looking for new opportunities to generate income in your retirement.

1. What are your financial goals both in the short and long term? Are you saving for a deposit on your first home, looking to build assets for the future or waiting to manage your cash flow more effectively?
2. What are your lifestyle objectives? Do you want to take regular holidays or overseas trips, do you want to maximise your discretionary income to make the most of your current lifestyle or work towards a particular lifestyle goal in the future?
3. What are your current income levels and what regular expenses do you need to meet? Do you have any personal debt such as credit card or loan repayments?