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Holistic advice for private clients

Holistic advice for private clients

Specialised financial advice that protects and grows your wealth

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.

Holistic advice for private clients
  • Managing wealth

    • 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 and 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.

Our services

Strategic financial advice

Investment advice and management

Income, savings and debt management

Personal insurance

Tax and accounting

Health and personal injury support

Property management

Family office

Strategic financial advice

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.

Investment advice and management

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

Income, savings and debt management

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.

Personal insurance

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.

Why risk it? How specialist insurance makes all the difference?

Tax and accounting

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. 

Find out more about Fordham

* Our accounting firm Fordham, specialising in work with business owners and managers, achieved an exceptional NPS score of 75 in 2020.

Health and personal injury support

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

Property management

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. 

Family office

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 Family Office page has more in-depth information on this service.


Contact our team today

And see how we can help protect and build your wealth

Your best interests at heart

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.

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

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.

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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.