Holistic advice that is tailored to suit individual circumstances.

Boston Private Wealth is structured to provide comprehensive & holistic financial advice that is tailored to suit individual circumstances. We offer these services to our clients through the Boston Private Client Service Offer. Some of these services are outlined below.

Core Services

Data Gathering

Our service starts with a commitment to understand you - your goals and your aspirations; and to develop a financial plan using our knowledge, expertise and professional insight.

This process commences in the first meeting and may take a number of meetings to ensure we have sufficient knowledge of your circumstances to prepare appropriate recommendations.

Identifying your Goals

Everybody is different so it is necessary that we clearly identify your specific goals and objectives, both personal and financial. This includes considering goals such as your desired level of income, asset growth objectives, future capital expenditures, estate planning wishes, liquidity, accessibility and inflation protection.

Identifying your Financial Issues

In this step we compare your goals with your current financial situation and formulate a strategy to ensure your goals are achieved.

Preparing your Financial Plan

This written document becomes the blueprint for your overall strategy. Having established your goals and objectives and assessed your overall financial situation, taking into account your risks and aversions, this plan will outline the recommended strategy necessary to achieve your desired goals.

Implementing your Financial Plan

Once the recommendations are agreed the plan is implemented.

We take the responsibility of managing your money very seriously. We understand that being a trusted adviser comes with the obligation of staying true to our word.

Our clients often say that we give 'Peace of mind' - even when the going gets tough. The regular and pro-active communication means our clients are informed, feel secure and know that at any time they can call us.

Reviewing your Plan

This is the most critical part of the financial planning process. We live in a world of constant change and this is certainly no different in the sphere of financial planning. There are three important variables in a financial plan that are guaranteed to change over time:


Irrespective of where you choose to invest the appropriateness of that investment will change over time. All areas of investment are subject to change, whether it is interest rates, share prices, exchange rates or rental yields. A "set and forget" philosophy is, at best, likely to underperform over time and at worst it could be disastrous.


There is no question that the legislative environment will constantly change going forward. History has shown us that we can expect a regular upheaval of superannuation, tax, social security and estate planning laws on a regular basis. Such change necessitates regular changes to a financial structure to ensure that it always remains appropriate.


Major changes in personal circumstances are less frequent but can often be the most critical. Sometimes they are welcome such as a new family member or a promotion. Sometimes not welcome, such as a redundancy or the death of a family member. Such changes usually necessitate an immediate and significant change in the financial plan.

Securing your income in retirement is paramount to make sure you can live the lifestyle you desire.

Retirement is an opportunity to relax and do the things you always wanted to do. For the retirement dream to be achieved, certainty of income is paramount.

The vast majority of our clients are approaching, or well into retirement. Our advice helps them both in the time leading up to this major life event in helping them set up the most effectives financial arrangements, facilitating cash flow and pensions in retirement and ensuring they pay the appropriate amount of tax and obtaining any government benefits they may be eligible for. We find this is incredibly comforting and reassuring to them that they have someone looking out for them.

We take the time to work through a quality financial planning process that includes:

  • Discussing, listening and documenting your retirement goals and aspirations – We want to know what is important to you
  • Assessing your current resources – Review your assets, liabilities and sources of income and expenses
  • Building your financial plan – Consider the strategic approach that best fits your goals
  • A solid foundation of investments – We have a depth of experience, knowledge and professional insight to build a portfolio of investments tailored to your financial plan
  • Agreement – We like you to be involved and understand the financial planning process
  • Flexibility – Things change and when your situation changes we can adapt the financial plan to suit

Our Service Promise – Keeping you informed with our promise for regular updates and being available to you when you need us.

We saw the need to provide a one stop shop for our clients so through a wholly owned related entity we offer full accounting services to our clients. We lodge well over 300 tax returns annually through our Tax Agent Registration and prepare financial statements and tax returns for SMSF, Trusts and Company’s if required by our clients. All staff in this business are qualified Chartered Accountants with an average experience of 15 years.

Specialty Services

Estate and succession planning is crucial to ensure that the right assets go to the right people at the right time. And for this to be completed efficiently and without paying more tax than required.

Most of all, estate and succession planning will give you the ‘peace of mind’ that your assets are taken care of when you can no longer care for them yourself.

How we help

We structure the right estate and succession plan and this is more than just setting up a will. A number of issues must be considered, such as:

What happens if?

  • I become disabled
  • I no longer have legal capacity to oversee my finances
  • My partner loses legal capacity
  • My business partner becomes disabled or deceased.

There are of course many other situations that need to be catered for including how to structure your assets and investments to minimise taxation and legal costs.

We will work with you and your legal representatives to structure your assets and investment portfolios to best suit your needs. This may well see the need to:

  • Review your will(s)
  • Implement Power and Enduring Power of Attorneys
  • Establish trusts
  • If you are in business, establish a ‘Buy – Sell’ agreement.
Self Managed Superannuation Funds

Not everyone is aware that Self Managed Superannuation Funds (SMSFs) can be of great assistance with estate planning.
There are significant tax advantages for using a SMSF and there are additional benefits of having your investments ‘held in trust’, through the SMSF trust deed. We’re SMSF specialists and we regularly use the benefits of a SMSF with our clients to assist with estate planning.

Access to Specialist Legal Advisers

We have been fortunate to work with highly qualified and experienced legal professionals who specialise in estate and succession planning needs. We can work with you and your existing legal adviser. If necessary we can introduce a specialist to assist with complex issues that often arise.

Protecting your assets, income & lifestyle requires appropriate structuring of ownership & insurance protection. We partner with leading risk providers to help you achieve these outcomes.

Because of our collective backgrounds we are able to provide a seamless service in advising on the need for a SMSF, Family Trust  or other structure, assist with its establishment and ensure it meets all of its ongoing obligations from a compliance point of view. Learn more about SMSF and Boston.