Estate planning and administration: It’s not about a Will. It’s about people.
Protecting and providing for those we care about is something we all want to do. Expressing your love by helping your children or grandchildren. Giving money to causes that make the lives of complete strangers better. What could be better?
That’s why people are often surprised about their estate planning conversations with Perpetual. Sure the conversation might cover trusts, wills, tax and charitable foundations. But what it’s really about is people. Who can you help? How can you help? What can you leave behind that makes someone else’s life a little bit better?
Your Perpetual adviser can connect you to an appropriate legal firm to draft your will and our internal team of experts can manage the administration, legal, taxation and investment issues involved in helping the people and causes you care for.
So you can do good – even after you’re gone.
Passing on more than memories
Where are you on your journey?
- 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.
PROTECT WHAT YOU TREASURE MOST IN LIFE
Your family, financial and career story is unique – your estate plan should be too. We spend time getting to know the people and causes closest to your heart. Then provide the personal advice you need to ensure your wishes are carried out.
We can help protect those you care about by connecting you with one of our partner legal firms, who can provide you with a structured estate plan that covers all the bases – superannuation, trust structures, asset protection, business succession planning, charitable bequests and powers of attorney. By arranging your affairs now, you have peace of mind knowing your wealth will be distributed fairly, efficiently and tax effectively.
The administration of a will can be a difficult and long process. Whether it requires managing complex asset structures, or complex family relationships, or both. We can assume all the responsibilities associated with estate administration – from verifying assets and liabilities, managing properties, to calculating tax implications and arranging asset sales, payments and distribution. We also take responsibility for administering any ongoing trusts created in your will. If you are a named executor in a will and find the time and tasks more complex than you expected, speak to us about how we can help.
- Are you the beneficiary of an estate – or likely to become one in the future? Read some important insights into the administration issues involved. Download Perpetual's estate administration brochure.
You’ve spent your life working hard to build your wealth. What happens when you’re gone?
For your legacy to endure, your assets need to be protected and managed in your best interests or on behalf of your beneficiaries. We can help you set up trusts that provide for your family or for charitable causes. A trust is a legal structure authorising a trustee to manage your assets for your beneficiaries. It can be established during your lifetime or through your will. It protects your assets, because they are owned by an entity rather than individual beneficiaries, and it may provide a tax efficient way of managing or transferring these assets. As a professional trustee you can rely that we will always be here through generations to manage and follow the instructions of your trust.
If you have been appointed trustee, perhaps for a family member’s trust, and wish to step back from these responsibilities, we can help you find a replacement in line with the procedures set out in the trust deed.
Trusts are an important part of estate planning – but can be used for a wide range of other purposes including within a business, to hold a shared asset or to protect money set aside for a minor. Here’s a real-life example of how they can be used to safeguard the future of someone who’s suffered a life-changing injury.
You know the causes you feel passionately about and want to support, but do you know the most effective ways in which to give?
We can help you and your family give in the most effective way by matching your philanthropic vision with the right causes and charities, setting up and administering your charitable trust, helping you leave a legacy through your will and growing your donation so that it gives in perpetuity.
Involving your family in a charitable trust also demonstrates the value of saving and investing wisely, as they move closer to being responsible stewards of the family wealth. Our team specialises in:
- Philanthropic structuring
- Grant making
- Trustee services
- Secretariat support
- Impact reporting
We prepare your family for their role as stewards of the family wealth by involving them in family governance, family council meetings and philanthropic giving aligned to your family values and vision.
We also provide ongoing education and mentoring to help develop their financial skills, including:
- Financial advice and investment education and mentoring services
- Access to well-being programs
Our financial advisers – in their own words
Mathew is a Senior Adviser at Perpetual’s Sydney office. Originally from the UK, he has been in the financial services industry since 2004 and with Perpetual since 2006.
Mathew specialises in advising families and individuals who are receiving personal injury compensation payments, including financial management. Mathew can also arrange life insurance advice, tax planning, estate planning advice and Lifestyle Assist services.
Mathew also provides sophisticated financial advice to Perpetual’s private clients and has extensive experience across many aspects of financial services and investment markets.
Prior to moving to Australia, Mathew spent 13 years as a solicitor and was a partner in a law firm in London specialising in estate planning, trusts and probate for high net worth clients.
Mathew earned a Graduate Diploma of Financial Planning from FINSIA in 2006 and was admitted as a solicitor in NSW in 2005, although currently not practicing.
Rachelle is a Specialist Medical Senior Adviser at Perpetual’s Canberra office and joined the financial services industry in 1999.
Prior to joining Perpetual in 2009, Rachelle was a Senior Financial Adviser with Civic Financial Planning.
Rachelle has extensive experience in the Commonwealth Public Sector superannuation schemes.
Rachelle can provide sophisticated strategic advice in relation to retirement planning, superannuation, wealth creation and investment management.
Vicki is the Partner of QLD’s Health & Personal Injury, Beneficiaries and Lifestyle Assist division.
Vicki is an experienced practitioner with over 25 years in financial services who uses her accountancy and financial planning skills to provide insightful wealth management solutions for her clients.
In working with clients she considers all aspects of their situation to offer strategies that assist building and protecting wealth.
Vicki also works closely with lawyers and accountants to assist clients who have lost the ability to look after their own affairs due to illness, injury or advancing age.
She also assists these professionals to help clients needing an independent party to act as trustee for a trust, executor of an estate or other roles usually fulfilled by the client or a family member where these parties are unable to act.
Tony is the Lead Partner in Perpetual Private’s Western Australian office, overseeing the Western Australian and South Australian advice teams.
With over 23 years in the industry, Tony is experienced in a broad spectrum of advice delivery. Having returned to Perpetual after an 8-year break, he is comfortable across the full service offering and supports a team of financial advisers in delivering exceptional client outcomes.
Tony has an extensive background in financial advice. Prior to returning to Perpetual, Tony owned and operated an award-winning financial advice practice. He has been a shareholder/adviser for a boutique financial planning business and State Manager for a leading stockbroking, financial planning software and investment research provider.
Tony holds a Bachelor of Business in Accounting and Finance, a Diploma of Financial Planning from Deakin University and a Graduate Diploma of Financial Planning through FINSIA.
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.
Clementine has extensive experience in government, law, philanthropy and the not-for-profit sector. Clementine supports philanthropic clients by creating giving strategies that align with their charitable objectives. She is an experienced grant-maker and understands how effective philanthropy can unlock maximum impact in the communities in which clients seek to support.
Before joining Perpetual, Clementine worked in philanthropic roles for some of Victoria’s largest arts and cultural organisations and was the Senior Adviser to the former Victorian Minister for the Arts.
Clementine has a Bachelor of Arts (Hons), Master of Laws (Juris Doctor) and a Graduate Diploma in Legal Practice.
Ed is a Partner and trusted wealth adviser to families and private business owners.
Ed has over 16 years’ experience in the financial services industry and believes careful planning, stewardship and patience are the keys to protecting and growing family wealth.
Ed's areas of specialisation include:
- Investment management and asset allocation advice.
- Inter-generational family wealth planning and inheritance advice.
- Retirement planning.
- Family philanthropy advice.
Ed is a Certified Financial Planner and holds a Bachelor of Business (Economics and Finance), Bachelor of Laws, and a Graduate Diploma of Financial Planning.
Commenced with Fordham in 1984 as a graduate and progressed to partner level in 1997
Richard’s diverse background equips him to manage the varied needs of his large portfolio of private business clients; from valuations and sales, to taxation and superannuation planning. He has had significant exposure to capital markets, including purchase and acquisition, mergers, valuations, capital raisings, finance and sale of business. He has also been heavily involved in helping clients with succession planning, including exiting via the sale of their business.
Richard has a depth of experience in helping clients manage the transition of their wealth from the business to life beyond the business, including the setup of a family office and is a trusted adviser to families over multiple generations.
Responsible, insightful and understanding, Richard is an important asset to Fordham and his clients.
Industry specialisation: Private businesses, their owners and wealthy family’s.
Sharon assists business owner clients across a broad range of industries, helping them to navigate their personal and business wealth journey and weigh up important decisions along the way. She has broad experience in taxation and business with particular expertise in complex tax advice and structuring, planning for succession and retirement and dealing with complex family and community issues.
In addition to working with business owners, Sharon is passionate about leading Fordham’s Indigenous Consulting Team, which is part of Perpetual’s broader service offering to Aboriginal communities. This team provides Executive Office and consulting services to communities across Australia.
Clients enjoy Sharon’s attentiveness, responsiveness, her ability to listen, and to provide targeted and practical advice. She is exceptionally talented at developing strong, long-term relationships, and is known for her ability to communicate complex issues in a way that is easy to understand.
Industry specialisation: Property & Construction, Retail, Native Title
Your estate planning will often involve putting money to work for other people and you’re going to need expert investment management to ensure that money achieves your goals.
Let’s have a look at what that means:
- When you set up a trust to benefit your partner, children or extended family, you need to ensure the money is invested so it achieves your goals. You might want the money to generate income straight away. Or you might want it to grow over time so that when your child/grandchild reaches a certain age they have substantial capital in the trust. That will influence your investment strategy and choices.
- You might set up a charitable trust and need to make sure the investment strategy is aligned. Do you want it to throw off regular cash for the charity? Or grow over time until it’s reached the size where distributions have a real impact?
- When investing the proceeds of a business sale you might need an investment approach that replaces the income the business used to generate. Or want to grow that capital and pass it on to your family or charity.
Whatever your objective, expert, strategic investment management will give you the best chance of achieving your goals. Our advisers, trust managers and investment specialists will ensure the trusts, foundations and portfolios you set up are structured to meet your specific needs and that all the assets we invest in on your behalf pass Perpetual’s stringent quality investment filters.
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 estate planning starts with a deep dive into your aims. It’s very rarely a sad or difficult conversation and more often a discussion of what really matters to you. When it comes to family that can involve immediate family, extended families or blended families. It could involve discussions about your business and succession planning. And it often involves expert insight into how you can put your wealth to work for charities.
It is at this point that our trustee heritage and the breadth of the Perpetual service becomes important.
We can offer you inhouse access to specialists in investing (across all asset classes), superannuation, estate administration, philanthropy, business advisory services and tax and accounting. We can also connect you with one of our partner law firms who can assist in drafting your will. Everything you need to execute an estate plan that balances your needs and wants and those of your family.
Those ambitions may change over time - so your adviser will conduct regular reviews with you to make sure your plan continues to reflect your wishes – and adapts to changes in the investment markets and legislation.
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).
IMPACT provides insight into important issues for philanthropists and the not-for-profit sector. It shares thought provoking ideas and best practice examples that aim to both stimulate and motivate a passion for philanthropy with Impact.