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Planning for retirement - your life after work

Planning for retirement - your life after work

Investment and super strategies for a great retirement lifestyle

  • Managing wealth

    • Strategic financial advice
    • Investment advice & management
    • Income, savings & debt management
    • Personal Insurance
    • Tax & accounting
    • Health & personal injury support
    • Family office
    • Property management
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    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 and succession planning
    • Superannuation & pension management
    • Power of attorney & Lifestyle assistance
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    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
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    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.

Helping you prepare for life after work

Our financial advisers – in their own words

“I feel privileged to share the life journey with my clients, as you really do play an integral role in their lives. I enjoy building the rapport and the level of trust – that enables Perpetual to get on with protecting and growing their wealth.” – Tony Mastromanno, Associate Partner, Perpetual Private, VIC

 

 

Meet the team

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Richard McClelland
Partner
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Andrew Parker
Partner, Private Clients SA
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Tony Mastromanno
Partner, Private Clients VIC
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Constantine Maglis
Partner
B. Com (Acctg & Fin), Adv.Dip. FS (FP), AFP ®
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Daniel Elias
Partner
Sydney BBus(BIFin), BCom(BECon)
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Roxanne Gorman
Partner
Richard McClelland
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Richard McClelland

Partner
Bio

Richard McClelland helps High Net Worth individuals and families secure their financial future.

Supported by Perpetual’s broad range of services, Richard helps his clients build, protect and transfer their wealth to the next generation.

Richard’s strengths lie in his ability to obtain a deep understanding of his client’s circumstances, take into consideration their goals; and then develop and monitor a plan to align the two.

Richard is the definition of a holistic Financial Adviser. He has more than 15 years’ experience; has achieved a Masters in Financial Planning, and is a Certified Financial Planner (CFP®).

  • His area of specialties encompass:
  • Financial Planning
  • Superannuation (Inc. SMSF and SAF)
  • Wealth protection and asset structuring
  • Investment, asset allocation and portfolio construction
  • General estate planning
  • Charitable planning and philanthropy

When not working Richard enjoys spending time with his family including his Canadian wife and two sons on Sydney’s Northern Beaches. Richard enjoys keeping active via a range of outdoor activities including surfing, mountain biking, running and anything snow related.

Andrew Parker
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Andrew Parker

Partner, Private Clients SA
Bio

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.

Tony Mastromanno
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Tony Mastromanno

Partner, Private Clients VIC
Bio

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.

Constantine Maglis
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Constantine Maglis

Partner B. Com (Acctg & Fin), Adv.Dip. FS (FP), AFP ®
Bio

Con is a Partner with extensive experience advising the not-for-profit sector, executives and ultra-high net worth families. He delivers the full range of resources needed to address the complex, multi-faceted challenges of managing significant wealth.

Since 2010, Con has provided trusted advice to his clients and is highly experienced in managing wealth and protecting their investment assets.
In his role at Perpetual, Con’s vision is to enrich communities, people and lives with advice and services that inform, educate and sustain longevity of wealth. He believes in honest and meaningful relationships with his clients and delivering an exceptional level of service to help them reach their objectives.


Con delivers tailored strategies to meet individual client objectives by bringing in specialist teams within Perpetual, including investment research and strategy, governance, philanthropy, succession planning, estate planning and accounting.
Prior to joining Perpetual, Con spent eight years at Commonwealth Bank, as Strategic and Investment Adviser at Commonwealth Private.

Con holds a Bachelor of Business and Commerce with a double major in Accounting and Finance and is currently completing his studies with the CFA Institute.

Daniel Elias
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Daniel Elias

Partner Sydney BBus(BIFin), BCom(BECon)
Bio

Daniel is a 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 15 years-experience in the industry with a total of 11 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 & objectives.

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.

Roxanne Gorman
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Roxanne Gorman

Partner
Bio

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.

Your best interests at heart

When it comes to retirement investing, our ‘protect and grow’ strategy works to minimise risk without sacrificing returns. To balance your need for regular retirement income with the need to extend the life of your retirement capital.

To achieve this, we manage risk by spreading your funds across countries, across asset classes, within asset classes and across different fund managers. We seek to ensure inflation doesn’t erode your capital (and your ability to generate income in the future) by investing in quality growth assets as well as income producing options.

Our advisers and investment specialists ensure your retirement portfolio is structured to meet your specific needs and that all the assets we invest in on your behalf pass Perpetual’s stringent quality investment filters.

Find out more about our investment philosophy.

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 retirement advice starts with a deep dive into what you want from retirement – financially, in terms of lifestyle and across key areas like health, family, charitable or part-time work and much more. We then develop a sophisticated retirement plan that is aligned to those requirements.

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, philanthropy, business advisory services and tax and accounting. Everything you need to execute a retirement plan that balances your financial, lifestyle, family and professional needs.

For most people, the nature of a perfect retirement changes significantly over time – so a crucial part of our retirement advice is regular reviews to make sure your strategy stays on track and adapts to your changing needs (and changes in the economy, legislation or investment markets).

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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. 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.