MANAGE YOUR BUSINESS WITH SPECIALISED ADVISERS

You’re closer to your business than anyone. But do you wonder if you may be too close? Could you be missing new opportunities to grow or ways to improve the way you currently work?

For generations, we’ve helped business owners and managers build stronger, more profitable businesses. We take the time to understand your business and draw on our wide range of expertise to provide fresh insights and straight-forward guidance for the difficult decisions you face.

Through careful planning and strategy, we can help you build a more successful business and turn that success into enduring wealth to safeguard the future of those you care about.

With our specialised business advisory firm, Fordham Business Advisors, we bring together everything you need to achieve your business and personal financial goals. Our services include, business advisory services, cash flow management, tax and accounting, investment management (across all asset classes), superannuation, insurance, property management, estate planning and philanthropy.

Importantly, we can help you untangle your personal and business assets and develop a long-term plan for your business succession, so when the time comes to step back from work, you’re ready.

Of course, managing a business is just one part of your life. That’s why we take the time to understand your personal financial goals together with your business goals to create a complete, integrated financial roadmap that protects and grows your wealth.


Your financial goals


CLIENT Stories



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APPROACHING A CENTURY

We visit Bill Cook in the offices of Williams Batters, Melbourne, to talk about a business that’s almost a century old – and the challenge of managing a business and family and personal wealth at the same time.

Where are you on your journey?


Our clients are all very different. They work in different industries, are at different stages of business growth and have different goals and dreams. But they have one thing in common – whatever stage they are at on their wealth journey, they can benefit from a partner they can trust to protect and grow their wealth.

The Perpetual Private and Fordham integrated service for business owners work with you to create a comprehensive financial strategy for your business and personal financial goals - Our strategies are designed to protect, then grow your wealth over time.


If you’re planning to start a business – or have recently started one – having the right partner to provide advice and services can make all the difference.

Strategic business planning

Start your business on the right foot. We can help with a comprehensive competitor analysis, the optimal way to raise capital, and put in place the right management and tax structures that sets your business up for growth.

Tax and accounting

Tax obligations go hand in hand with running a business. Many businesspeople pay more tax than they need to. This isn’t surprising, as finding the right strategy to effectively manage your tax bill can be complex and time-consuming.

We can advise on the optimal way to buy and sell assets for tax and balance sheet optimisation, and the right structures to minimise tax liability – all as part of a flexible, legal tax strategy that reduces your paperwork, compliance burden, tax bill and headaches!

We also take care of the important but time-consuming activities, including compliance and reporting obligations. 

With a long history of supporting businesses through times of economic crisis, such as the GFC, we have the experience and expertise to help your business prepare a budget for uncertain economic times

Business structure advice

As well as appropriate tax structures, we can also advise on ways to improve profitability, simplify your administration and manage people and remuneration.

We can also help you put in the business structures and plans to emerge with confidence from the current economic downturn, as well as establish remuneration strategies that help you attract and retain your most important business assets – your people.

Superannuation

Super is the most tax-effective way to build your wealth for the future. We will help you find the right platform for your super, including setting up a self-managed super fund where your super assets may also support your business growth. We also work with you on an optimum contribution strategy to maximise your super balance and keep you up to date with constantly changing rules for superannuation.

Wealth and business protection

Our insurance strategies encompass life insurance, total and permanent disability, trauma insurance and income protection. Just as importantly, we tailor those insurances to be tax-effective, to work effectively together and to integrate with your investment and superannuation strategies.

We’ll also make sure the insurance you need to protect your business is not overlooked, as well as some risk and compliance steps you may not have considered, such as information and data security.

If you have insurance in place, we’ll help you review your cover to see if it’s right for you and make sure you know what you’re getting for your premiums.

Our advisers have years of experience helping business owners and managers grow and protect their companies. We understand typical business paths (and pitfalls) and can advise on the right time to make a change. We also ensure your business growth plan is aligned with your personal wealth plan, protecting your assets and the future of those you care about.

Profit improvement

It’s a great feeling to run a profitable business. But has your business gone as far as it can? What more can you do to grow your business? We have the experience to investigate and measure your true business performance, uncover areas for improvement and implement a strategic plan with specific actions for success.

Our experience working with privately owned businesses means we can help you avoid many of the common pitfalls we see with new businesses. We can also make sure your business has in place the right plans and structures it needs to continue growing.  

Mergers and acquisitions

It’s a dream of many business owners to take over their competitors on the road to success. But is it always a good idea – and what are the best ways to do it? We can help identify and value your competitors as well as advise on the best financing options. This includes working with your company to unlock synergies and efficiencies and uncover genuine cost savings to make your acquisition more profitable.

If somebody approached you today with an offer to buy your business – or sell you theirs – could you make a well-informed decision? To help you understand what’s involved, we look at the differences in how transactions are structured and structures that may suit you better as a buyer or a seller.

Managing debt

Whether you’re starting out, expanding or buying new equipment, debt will play an important part in growing your business. But what is the best way to manage your debt?

We’re always careful to build debt management into your financial plan. We can also help you find the right loan, consolidate and refinance high-cost debt, and structure repayments in a way that lets you grow your business without sacrificing the lifestyle you’ve earned. 

When organising your finances and banking, diversification can also be vital. We look at how you can avoid risks by working with different financial institutions.

Investment advice and management

Should I invest more in my business? What about shares or super? How about my property?

There’s no right or wrong answer to these questions. Just what’s right for you. You may want more income, maybe you’d like to grow the value of your business, or simply protect your nest egg.

With a deep understanding of where you are now, what you want for yourself and your family, your attitudes to investing, risk and much more, we’ll carefully design an investment strategy that is aligned to your goals.

Find out more.

There are a range of options available to you when the time comes to step away from your business, each suited to a different set of circumstances. Here are some of the services we offer to help you get the best outcome when you sell or exit your business, and prepare for your life after work:

Transition to retirement

Highly ambitious individuals don’t work one day and retire the next. However, your priorities will change as you move through your career. As you begin to wind down your working hours and step back from the day-to-day of running your business, you might want to supplement your income with a pension from your super to maintain your income. If you’re eligible, we can put in place a transition to retirement strategy that lets you do just this.

Succession planning or sale?

When considering how to exit your business, your first big decision could be whether you want to sell your business or set up a succession plan. Either way takes careful planning and preparation. We can advise you on what type of ownership transfer will give you the best return as well as help with tax management, timing of the sale and even ways to retain equity for the future.

There’s a lot to think about if you’re planning on selling your business – including making sure the buyer knows what they’re getting. We can help you prepare what’s required so prospective purchasers can do their due diligence.

Estate planning

When you’re no longer there to help the people and causes closest to you, that job passes to the legal and financial structures you create. A structured will and estate plan that covers all the bases – business succession planning, asset protection, powers of attorney and trust structures are how you extend a helping hand long after you’ve gone. Our job is to help you do that as easily, efficiently and fairly as possible.

We can advise on estate planning and, when necessary, connect you with our trusted legal partners to put in place your enduring legacy.

Together, we can also help your family avoid the added complexities in settling your estate without a will.

Our financial advisers – in their own words

Sharon Parker

“I love that my clients work across many different industries and they all have different financial and personal goals. I enjoy learning about my clients’ business as well as their family and I’ve developed really strong, long-term relationships with my clients. A trusted adviser who really understands their client is so important to achieving their business and personal wealth goals!” - Sharon Parker, Lead Partner, Fordham Group, VIC

Managing business

“A rich and rewarding personal and family life is as important as running a successful business. I work with business owners to transfer their success in business into achieving their family’s wealth and personal goals. We help our clients – many of whom are multi-generational Perpetual clients – achieve a greater sense of purpose by partnering with them to develop a clear plan for running a business and for life after work by aligning their wealth and personal priorities.” – Mark Vignaroli, Senior Financial Adviser, Perpetual Private, VIC

Meet the team

Why Perpetual & Fordham

WE UNDERSTAND BUSINESS OWNERS

We understand business owners – the long hours, the need to be an ‘expert’ in so many areas, the challenge of managing staff and the constant pressure to achieve entrepreneurial success. We also recognise that running your business is just one part of your life. You have a family to look after and life-long memories to create.  

Perpetual and our business advisory firm, Fordham, bring together everything you need to manage and grow your business, and achieve your personal financial goals, in one integrated financial strategy.

Our services range from the day to day tax and accounting, through to business strategy, business optimisation and operational improvement. Through Perpetual we provide comprehensive financial and superannuation advice, investment and asset management as well as trust management to safeguard the future of those you care about.

Here are just some of the industries where our clients work in:

  • Property & construction services
  • Motor dealer services
  • Retail
  • Franchising
  • Transport
  • Not-for-profit
  • Native title
  • Property trusts

EARNING YOUR TRUST

Perpetual is an ASX-listed, diversified financial services company which has been serving Australians since 1886 when it was established as a trustee company by a group of businessmen including Sir Edmund Barton, later to be Australia’s first Prime Minister.

In 2009, Fordham Group joined the Perpetual business. As a specialist part of Perpetual, Fordham is proud to be part of an organisation that has been helping businesses and individuals for more than 130 years. Together, we pride ourselves on our long-standing client relationships – some of which span many generations.

For over 60 years, the Fordham service to clients is built on the values of:

  • Trust
  • Consistently deliver
  • Raise the bar
  • Succeed together

These values guide how we work with you, how we treat our teams and our business partners and the role we play in the community.

OUR INVESTMENT PHILOSOPHY

Our investment philosophy is to protect and grow your wealth by minimising risk without sacrificing your expected returns. To achieve this, we diversify risk across asset classes, within asset classes, across countries and fund managers.

We take a long-term approach to investing because we believe quality investments yield benefits in the long run. Our advisers and investment specialists have a high duty of care in developing portfolios and ensuring Perpetual’s stringent quality investment filters are met.

Our Investment Management page has more in-depth information and insights.

TAKE YOUR FIRST STEP - CONTACT US ON 1800 631 381

Or please submit the form below and a specialist adviser will contact you. 97%* of Perpetual Private clients are happy with the quality of their financial advice. *Perpetual Net Promoter Score Survey (research conducted by Woolcott Research).

Privacy laws apply to our handling of personal information and we collect, use and disclose your personal information in accordance with our privacy policy.

1. The CS Family 1000 in 2018. Credit Suisse, September 2018

 

Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643. This webpage contains general information only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. You should consider, with a financial or other adviser, whether the information is suitable for your circumstances. To the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on this information. Perpetual Private advice and services are provided by Perpetual Trustee Company Limited (PTCo) ABN 42 000 001 007, AFSL 236643. This information was prepared by PTCo. To view the Perpetual Group's Financial Services Guide, please click here. The information is believed to be accurate at the time of compilation and is provided in good faith. This information, including any assumptions and conclusions is not intended to be a comprehensive statement of relevant practice or law that is often complex and can change. This article may contain information contributed by third parties. PTCo do not warrant the accuracy or completeness of any information contributed by a third party. Any views expressed in this article are opinions of the author at the time of writing and do not constitute a recommendation to act. No company in the Perpetual Group (Perpetual Limited ABN 86 000 431 827 and its subsidiaries) guarantees the performance of any fund or the return of an investor’s capital. Past performance is not indicative of future performance.

TAKE YOUR FIRST STEP