our clients
Thomson Wealth provides premium FINANCIAL ADVICE SERVICES TO HIGH-INCOME individuals and families in their 40s, 50s and 60s.
Our clients are successful in their fields and enjoy the financial rewards this brings. They include entrepreneurs, custodians of family businesses and senior leaders from public and private sectors.
Many of our clients are executive level public servants, where Gianna’s Canberra location and her background in Commonwealth superannuation give us a unique understanding of their needs.
Some of our clients are now enjoying the active retirement phase of their lives while others are still building their careers amid the challenges of parenthood, often seemingly without a spare minute in their days.
Here are four real-life client examples, with names changed for privacy.
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Kate and John - High Earners
Kate and John are aged 45 and 48, earning $150k and $200k respectively. Kate is a lawyer and John is an IT professional in the private sector. They have two children at school and at uni. They have an early retirement goal of $150,000 annually from age 55.
Despite their high incomes, they were high spenders. Before seeking advice, they were not on track to achieve their goals so they were looking for an ongoing relationship with a financial adviser to keep them accountable.
Now, they are on track to close their retirement gap, with savings to travel, renovate, support kids through uni and are growing a tax-effective, diversified investment portfolio.
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Bob and Mary - high net wealth
Bob 58 and Mary 57 run an established business, net worth $15m.
They would like to retire and sell their business in 18 months time.
The strategy includes revewing superannuation contributions and review their SMSF that they find difficult to manage. As they are time poor, they are keen for their experts eg. accountant, lawyer and financial adviser to collaborate.
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Rose - retiree
Rose is a retired widow in her 70s and has no children.
From a lifetime of investing, she has over $3m in superannuation and personal assets to comfortably support her retirement and cash flow needs.
During the 90min Discovery Meeting, she expressed her desire to reduce investment risk and to focus on her legacy to financially support education costs for close friends' children and donate to charities now and via her estate.
We collaborated with a lawyer and an accountant to review her entities and estate plans. We also diversified her investment portfolio with a risk targeted approach to investing and established education bonds for the children.
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Henry - senior public servant
Henry is a senior public servant SESB1 who accepted a redundancy after 19 years of service.
He is with the PSS and has decisions about investing his redundancy lump sum and his PSS benefit options. After a 90min Discovery Meeting, we confirmed that he would like to take a career break for 10 months before accepting a private sector role as a Defence consultant.
During this time, he decided to sell an investment property with a high capital gain.
The financial plan included tax planning that saved $80,000 in tax and a plan to tax-effectively reinvest his cash flow from the PSS pension to ensure he remains on track to retire debt free in 15 years.
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