Strategic Advice
Our breadth of Family Office solutions are tailored around the lifestyle and financial goals of you and your family.
We possess the back-end capability and financial expertise to offer a complete suite of solutions that will help protect and grow your family’s wealth. We’ve provided a view of each of our Family Office solutions, but we encourage you to book a coffee to explore how we can tailor relevant solutions to suit your needs.
| Solutions | Description |
|---|---|
| Financial Planning | More than 80% of Australians don’t have a financial plan1.
We develop a complete financial plan that is tailored to your lifestyle and financial goals, adapting this throughout each of your life stages. The financial plan touches on all of our Family Office solutions listed below, including documentation of objectives, preparing for asset ownership, structuring advice, investment and superannuation asset allocation, insurance, estate planning and administration support. |
| Investment Management | As a privately owned Australian financial license holder, we have access to local and global investment opportunities and can freely advise clients on the investments that best suit their needs.
We seek to build a portfolio of assets that reflect your attitudes to risk, liquidity needs, and lifestyle aspirations. We offer the flexibility to buy shares directly via our individualised investment portfolio management service, as well as seek personalised investment advice from our experienced Portfolio Managers. Access a diverse range of global investments from:
|
| Superannuation Management | There are over 71 different superannuation funds available in the market, few of these provide a breadth of investment and insurance choice which truly allows its members to tailor their super to help achieve their retirement goals2.
We provide objective super recommendations that align with our clients’ best interests, this may include staying with your existing super fund. However, Cashel has leveraged its first class investment platform to develop a super fund that is simple to customise, accesses hundreds of local and global investment opportunities, and seeks to educate and guide members to make the most of their super savings. Our super fund possesses similar flexibility and choice as a SMSF, without the administrative complexity or fees. Our members can align their super investment portfolio to one of our actively managed risk based models or receive personalised advice from our Portfolio Managers. Learn more about Cashel Superannuation. |
| Debt Advisory | Unlike a Private Banker we act for the client, not the bank.
Instead of selling you a loan, we consider your complete financial ecosystem before advising you on how you can use debt to achieve your goals. As we’re privately owned, we have access to over 45 local banks, and 100 non-bank, private and institutional lenders globally, and seek to compare products and negotiate terms that work in your best interest. Explore our Global Product Range. |
| Corporate Finance | Creating Shareholder value, not just transactional deliverables.
We provide advice on acquisitions, mergers, divestments, register construction, debt raisings and equity raisings for private and public listed companies to ensure transactions undertaken by our clients are consistently creating shareholder value. |
| Immigrant Solutions | Over 1,746 visas have been issued as part of the Australian Significant Investment Visa program, and AUD$8.73 billion invested in complying funds6.
We can assist with establishing and investing in SIV programs, in addition to debt financing and connecting new residents with reputable banks, lawyers, accountants, real estate agents and tax advisors. Our bi-lingual team can support you throughout this process to ensure your relocation and ongoing financial affairs run smoothly. |
| Investment & Accounting Administration | The average Australian spends enormous time undertaking simple administration tasks.
We’re committed to simplifying your finances so you can enjoy more of what matters. We’ve invested in powerful backend technology and integrations to cut out unnecessary administration for our clients and their accounting and taxation advisors, saving you time, and money. |
| SMSF Administration | With over 555,002 Self Managed Super Funds (SMSF’s) in use, there is increasing demand to ensure that they are operated and administered compliantly4.
We work with legal and taxation partners to arrange the establishment, structuring and administration of your SMSF, whilst also tailoring your investment strategy to align with your individual retirement goals. Alternatively, we’ve leveraged our first class investment platform to develop a superannuation fund that possesses similar flexibility and choice as a SMSF, without the administrative complexity or fees. Learn more about Cashel Superannuation. |
| Employee Financial Wellbeing | More than 24% of the Australian workforce is financially stressed. As a result, financially stressed employees spend 6.9 hours of the working week addressing these issues rather than working7.
We aim to improve employee productivity, organisational performance, and culture by addressing employees’ financial stressors and building their financial acumen to help them take control of their finances. The Financial Wellbeing Program consists of wellbeing events, access to financial resources and tools, and includes 1:1 Financial Health Checks where employees receive tailored guidance around how they can improve their financial ecosystem. We partner with businesses to design a program that meets their primary business objectives, and establishes them as an employer of choice within the industry. |
| Equity Remuneration and Compliance | Average Australian staff turnover for 2012 was 16%8.
Attracting and retaining talent is a key enabler to improving organisational performance and culture. We partner with businesses to understand their KPIs and work with experienced Tax and Legal partners to design an Equity Remuneration program that aims to improve employee retention whilst also fulfilling key business objectives. We provide ongoing guidance and compliance management as your business shifts and grows. |
| Charities & Philanthropy | In 2016 over $12.6 billion was donated to charity by 81% of the Australian population9.
We work with charities, families and individuals to protect and manage charitable foundation funds, as well as:
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| Risk & General Insurance | One in five families will suffer from an insurable event during parents’ working life. 18 families in Australia lose a working parent every day of the week3.
We curate insurance programs that cover life, income, temporary or permanent disability, and other necessary covers to ensure that our clients and their families are protected from unexpected events. |
| Estate Planning | At least 45% of Australian’s don’t have a current Will5.
As a trusted advisor to our clients and their families, we pride ourselves on our understanding of financial and family dynamics. We oversee the briefing of the commercial aspects of your Estate Plan to Estate Lawyers and Tax Advisors to ensure that it fulfils your wishes in full. |
1 Financial Planning Association (2015)
2 APRA (April 2017)
3 National Centre for Social and Economic Modelling (NATSEM)(2010)
4 Australian Taxation Office (Sept 2015)
5 NSW Trustee and Guardian (2017)
6 Department of Immigration and Border Protection (28 Feb 2017)
7 AMP (June 2016)
8 Australian Human Resources Institute (2012)
9 Philanthropy Australia (2016)
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A multi–family office (MFO) is usually an independent organisation that supports multiple families to manage their entire wealth.