Financial advice that works for you. Today and tomorrow.
It doesn’t matter how you created your wealth, eventually, you’ll need answers to three questions. How do I protect that wealth? How do I grow it without taking the wrong kinds of risk? How do I manage it so it adds to my life but doesn’t take me away from the people I love, from my work and other interests?
Specialised financial advice can help. It can give you confidence about the future. It can make your life better today and stand the test of time. But it only works if there is a deep understanding of where you are now, what you want for yourself and your family, your attitudes to investing, to risk and much more. Working from that foundation, your Perpetual financial adviser can help you grow your wealth as your life and family changes, create your ideal retirement lifestyle and leave a legacy for the people and causes closest to your heart.
- Strategic financial advice
- Investment advice & management
- Income, savings & debt management
- Personal insurance
- Tax & accounting
- Health & personal injury support
- Family office
- Property management
Exceptional financial advice to protect and grow your wealth. That’s our enduring commitment to you backed by an investment philosophy that has stood the test of time.
PLANNING FOR RETIREMENT
- RETIREMENT & SUCCESSION PLANNING
- Superannuation & pension management
- Power of attorney & Lifestyle assistance
A post-work paradise takes careful planning. We can help you to structure your finances effectively and create an investment portfolio that protects your wealth without jeopardising your lifestyle.
GIVING & PASSING ON WEALTH
- Charitable giving & philanthropy
- Trust setup & management
- Wills, estate planning & executorial services
From the creation of your estate plan through to tax-effective giving structures, our team can help you to create a legacy for the people and causes closest to your heart.
A comprehensive financial plan grows and protects your wealth. It also harnesses that wealth to deliver the lifestyle you want for yourself and your family. To deliver on that goal, Perpetual combines a strategic approach, a wide range of bespoke services and an investment philosophy that has stood the test of time.
Strategic advice is advice that considers a whole range of factors – your personal and family situation, current circumstances, your goals and attitudes to risk, spending and investment ethics. By working through all these issues with you, your Perpetual financial adviser can help you create a real financial plan – a roadmap that ensures every financial decision you make moves you closer to your goals. No more missed opportunities, no more regrettable last-minute decisions. A strategic approach to being wealthier, happier and more able to help those you care for.
You might want income, or growth or capital preservation. You might be investing for today, for tomorrow - or for someone else’s tomorrow. Getting where you want to go is all about designing an investment strategy that is tuned to those needs. Then selecting and combining a range of investment options that will deliver on the strategy.
A broad array of investment choices gives you more chance of success. So our award-winning* investment team offer you multiple options to choose from or combine. Such as direct shares, managed funds (including ethical options), fixed income, real estate, alternative assets and exclusive investments not normally available to individuals (ie private equity, currency investment, commodities and more).
*Hedge Funds Rock – The Australian Alternative Investments Awards:
2019 and 2018: Best Multi Strategy Fund Winner Perpetual Private
2018: Best Alternative Investment Manager of the Year Winner Perpetual Private
We never lose sight of the “flow” of money that underpins your lifestyle. Your financial plan will always take account of your income needs and the cashflow you need to support your lifestyle (or to invest). We know that debt has the power to supercharge your gains and amplify your losses. So we’re always careful to build debt management into your financial plan.
Unfortunately, things go wrong. You or your family may face death, illness, injury or loss of income. We can‘t protect you from that, but as part of our “protect and grow” strategy we can help protect your income and lifestyle should something go wrong. 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, to integrate with your investment and superannuation strategies and to adjust to your changing family and financial situation.
Whether you’re thinking about your individual finances, your super fund, your business or charitable foundation, high quality accounting and tax advice can reduce your paperwork, compliance burden, tax bill and headaches. Perpetual is one of Australia’s oldest and most trusted financial institutions and that underpins the advice you receive on investments, insurance and super. Our specialist accounting company, Fordham, is one of Australia’s highest-rated accounting firms* with specialist expertise in working with business owners and managers.
* Our accounting firm Fordham, specialising in work with business owners and managers, achieved an exceptional NPS score of 75 in 2020.
For clients who care for family members who have sustained a serious injury and received a compensation payout, Perpetual can provide a tailored financial planning service. As a licensed trustee and as a financial adviser we protect clients by managing funds to meet current and future needs and ensuring money is spent wisely in their interests and in accordance with any court/tribunal decisions. We assist with all financial reporting, create a sustainable budget, develop an investment strategy and provide advice on tax and superannuation to maximise the lifetime value of any compensation funds flowing to the client.
Our Personal Injury Clients page has more in-depth information on this service.
Read great case studies about how we worked with our Personal Injury clients
Bad things happen to good people. For some people, those disasters define a life. But for others, one awful moment doesn’t hold them back. They face the world with a smile and an unstoppable attitude.
Read Knox Gibson’s story
Carlos Samaan is a man looking to make his own miracle. Every day, his thoughts, prayers, money and time are devoted to something we all did without thinking – learn to walk.
Read Carlos Samaan’s story
An investment property (or properties) can make up a large part of your portfolio and carry a similarly large burden when it comes to maintenance, accounting and tax management. Across everything from purchase, rental, management and sales our property experts can help you maximise the return and tax benefits of property investing whilst relieving you of a significant compliance and management workload.
Managing significant wealth, business assets and major family responsibilities can require a complex mix of business strategy, investment expertise and sensitive relationship management. Perpetual’s Family Office service can help you juggle these intricate and often-competing needs across areas including estate planning, succession planning, investment management and philanthropy.
Our financial advisers – in their own words
Robert is the Partner of NSW’s High Net Worth division.
Before joining Perpetual in July 2017 he was an Investment Consultant with the Private Investment Consulting ('PIC') team within NAB Asset Management providing investment consulting services private and institutional clients.
Immediately before joining the PIC team he was Head of Fixed Income and Senior Adviser in the Private Wealth Management division of Wilsons Advisory in Sydney responsible for the investment management of institutional and private client portfolios. Before that role, Robert was with Nikko AM, responsible for managing Nikko’s relationship with key institutional clients for the fixed income business, as well as developing and implementing tailored fixed income strategies for these clients.
Previously, he was co-founder and executive director of Columbus Capital Ltd (a capital markets origination and funds management firm of ‘RMBS’ assets), and has also worked as a senior investment specialist with AMP Capital Investors Fixed Income and Currency and with Westpac Institutional Bank as an associate director in the debt capital markets division providing coverage of fixed income and credit markets, as well as being a senior analyst in high yield and emerging markets in London with Bankers Trust International PLC and ING Barings respectively.
Andrew is the Partner of SA’s Not For Profit division.
With over 32 years experience, Andrew specialises in advice to large complex organisations, family offices, not-for-profit clients and philanthropic trusts. He has a deep understanding of the unique needs and strategic objectives of not-for-profit organisations and helps his clients implement best practice investment policies. Andrew also connects clients to other parts of the Perpetual business, including Philanthropic services.
Prior to joining Perpetual, Andrew held senior adviser roles within commercial and private banking based in Adelaide for the last 9 years. Andrew has also held senior manager roles in institutional banking at JPMorgan Chase, Deutsche Bank and Royal Bank of Scotland in Tokyo, Singapore, London, New York and Sydney over a period of 20 years.
Andrew has a Bachelor of Business (Finance), Advanced Diploma of Financial Planning, is an accredited Self- Managed Super Fund adviser (SMSFA) and speaks several languages.
Chris is a Partner in Perpetual Private’s Western Australian office. He specialises in securing the financial futures of successful Australians.
In 2019, Chis was ranked number 29 in the influential Barron’s Top 50 Financial Advisers in Australia.
With over 25 years’ experience, Chris is an expert in looking after the complex advice and strategic wealth requirements of High Net Worth clients and their families. Chris also has a deep understanding of self-managed super funds and how to maximise super for enduring financial security in retirement.
Chris also looks after Health & Personal Injury clients, managing their Personal Injury Compensation Trusts to provide a better quality of life, medical care and peace of mind knowing a compensation payment will last long into the future.
Chris also helps clients establish Philanthropic Trusts to give strategically to charities by taking into account taxation and other factors in their giving.
Chris is a qualified Certified Financial Planner ® or CFP ® and holds a Diploma of Financial Planning from Deakin University. He has also completed an Advanced Management Program from the Australian Institute of Management (AIM) and is an Affiliate of AIM.
Tony is the Associate Partner of VIC’s High Net Worth division.
Tony provides sophisticated financial advice to Perpetual’s private clients. He has extensive experience in investment management, retirement planning, superannuation, taxation, estate planning and recommending appropriate strategic structures.
Tony enjoys working closely with clients to develop highly effective investment strategies and structures which help to ensure that their financial goals are achieved.
Tony has a Diploma in Financial Planning – Financial Planning Association of Australia, 2003. He joined the financial services industry in 1993 and has been with Perpetual since 2002. His previous roles and experience in financial services include Financial Adviser and Client Relationship Manager with AMP and the Commonwealth Bank.
As a qualified, dedicated adviser, Marisa has focused exclusively on providing personal strategic and investment advice to private clients and high net worth individuals over the past 20 years.
Prior to joining Perpetual, Marisa has worked as a senior adviser across both Global and Australian institutions such as Macquarie Bank, Citibank and Westpac Private. Her areas of expertise include, superannuation, retirement planning, SMSF, specialist structured investments and Foreign Exchange.
Marisa’s most important attributes are her exceptional interpersonal skills and ability to build trust and rapport with clients. Upon meeting with Marisa, it is immediately apparent that she is passionate about assisting clients achieve their goals by helping them make well-informed decisions to manage, grow and protect their wealth.
Marisa is committed to providing her clients with the highest quality financial advice and takes pride in building long standing relationships. In her role at Perpetual, Marisa’s mission is to provide an exceptional level of service and an unwavering commitment to simplify often complex strategies to help clients reach their goals and objectives.
Marisa delivers a myriad of investment solutions by bringing in specialist teams within Perpetual, including investment strategy & research, portfolio construction, philanthropy, and tax accounting.
Daniel is an Associate Partner focused exclusively on high net worth clients, delivering the full range of resources needed to address the complex, multi-faceted challenges of managing significant wealth. Traditionally Daniel has served entrepreneurs, executives, professionals and high net worth individuals.
Daniel has over 14 years-experience in the industry with a total of 10 years providing sophisticated investment advice in the high net worth space.
In his role at Perpetual, Daniel’s mission is to provide an exceptional level of service and an unwavering commitment to helping Perpetual clients reach their goals & objective.
Daniel delivers tailored strategies to meet individual client objectives by bringing in specialist teams within Perpetual, including investment strategy & research, portfolio construction, philanthropy, and tax accounting. Prior to joining Perpetual, Daniel spent a total of 10 years at Macquarie Bank and just over 2 years at Morgan Stanley.
Daniel holds a Bachelor of Business & Commerce with a double major in Economics and International Finance and is currently completing his studies with the CFA institute.
Roxanne is an experienced and highly qualified wealth management professional having held various leadership and adviser roles within Private Banking and Private Client segments over the past 20 years.
As a Partner within Perpetual Private Clients Roxanne leads teams of Senior Financial Advisers and Associate Advisors across NSW and the ACT - providing exceptional service and holistic advice to retail and wholesale clients.
Roxanne also manages a select number of high net worth client relationships ensuring objectives are consistently met. Roxanne works with clients to bring clarity, direction and discipline to their financial and investment affairs.
As a leader and financial adviser Roxanne is focussed on developing strong client relationships with a particular interest in Family Wealth taking into account investment strategies and market conditions.
Roxanne has a Bachelor of Arts (Economics), Master of Financial Planning and a MBA. Roxanne is also a CFP member of the FPA and has completed all FASEA requirements.
Our investment philosophy is to protect and grow your wealth by carefully selecting suitable investments that reflect the level of risk you’re comfortable with, as well as your investment objectives. 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.
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. That trustee heritage – and the culture it created around putting clients first – is what makes Perpetual unique.
We have been earning the trust of our clients for more than 130 years and pride ourselves on our long-standing client relationships – some of which span five generations.
Trust is earned, every day.
Our approach to financial advice follows a proven methodology – we invest serious amounts of time talking to clients about their needs so we can truly understand where they are now and where they would like to be. We then develop a sophisticated financial plan with a transparent fee structure.
It is at this point that the breadth of the Perpetual service becomes important. We will direct you to a wide range of external service providers if we believe they will best meet your needs.
But within our walls we can also offer you access to specialists in investing (across all asset classes), superannuation, insurance, property, estate planning, philanthropy, business advisory services and tax and accounting. Everything you need to execute a financial plan that gets you to your goals - whether you’re an individual, a business owner, a not-for-profit or an indigenous community.
A crucial part of the overall strategy – whatever your aims – is regular, shared reviews to make sure your strategy stays on track and is adapted to your changing needs (and changes in the economy, legislation or investment markets).
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).