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Grow your wealth


Many business owners are so focused on the success of their business that their personal lives take a back seat. This can be a problem if you accumulate large amounts of wealth in your business but have no plan in place to transfer the wealth to you and your family.

At Fordham, we specialise in providing long-term advice to people who run or own businesses. We will advise you on the best way to grow and protect your business and your personal wealth, in tandem. We ensure your business affairs are kept separate from your personal wealth.

The Perpetual difference

When we sit down with you to plan your personal wealth strategy, this is where our partnership with Perpetual really comes into its own. Perpetual has a record of over 130 years experience in growing and protecting clients’ wealth. This gives you access to the expertise of all of Perpetual’s specialists and analysts to put together the financial plan which is just right for you.

 

 

Investment

Perpetual’s investment philosophy is simple: to first protect and then grow the wealth of our clients.

 

 

Investment

Active vs Passive

Our approach

Minising risk

The Fordham firewall

Active vs passive

We manage personal wealth and business capital differently. Your business capital is the ‘active’ pool and personal wealth the ‘passive’ pool. We always take your wishes into account but believe quality long-term investments offer you the best chance of financial freedom and peace of mind.

Our approach

Perpetual wealth managers seek to take a long-term, low-risk approach to investing. We believe quality investments yield the best return in the long-run and make our recommendations based on this philosophy.

Minising risk

We believe Perpetual’s low-risk investment strategy can deliver long-term wealth accumulation. We minimise risk by diversifying your investments across asset classes, industry sectors and individual investments and we ensure each investment meets our stringent quality standards.

The Fordham firewall

We build a firewall between your personal and business assets to keep them separate. A strong, effective firewall reduces your risk by quarantining your personal wealth from the fluctuations of your business.

 

 

Superannuation

Superannuation remains one of the best ways to grow long-term wealth in a low-tax environment. This makes it a key part of most of our clients’ wealth plans. We help you decide which superannuation strategy is right for you and how it fits into an overall plan to grow and protect your wealth.

 

 

Superannuation

Contribution and drawdown

To SMSF or not to SMSF?

Insurance

Changing legislation

Contribution and drawdown

We advise on the optimal contribution to minimise both your business and personal tax and meet your overall investment goals. When it’s time to start withdrawing from your nest egg, we’ll build a strategy suited to your individual circumstances.

To SMSF or not to SMSF?

Self-Managed Super Funds (SMSFs) can suit investors with significant assets or earnings who want greater control over their investment strategy. We can help manage the often onerous accounting, reporting, taxation and compliance requirements of your SMSF.

Insurance

Taking out insurance through your superannuation can be a tax-effective way of reducing risk and looking after those you care about. However, the costs and benefits of the different types of insurance vary depending on your age and changes to your life and business.

Changing legislation

We help you navigate changing legislation and often advocate on behalf of our clients (in collaboration with Perpetual). We aim to ensure clients don’t get caught out when new legislation affects your plan.
 

 

 

Your investment portfolio

Making the most of your success is all about turning cash into a portfolio of assets that grow now and provide income later. You might have specific objectives in mind but knowing which asset classes and investments will help you achieve those goals is challenging. Professional advice can make a big difference to the long-term performance of your investments – and the risk you take to achieve that return.

Getting that balance right is where our ties to Perpetual really pay off for you.

 

 

Your investment portfolio

Expertise across the asset classes

Safety in width

Portfolio construction

Expertise across the asset classes

The size of Perpetual’s investment team means you get depth and breadth of expertise across all asset classes ranging from cash to shares, property and alternative assets. This can help you increase your returns and manage risk.

Safety in width

As a business owner or manager you’re already exposed to business, economic and market risks. Understanding that, Perpetual’s approach to risk is all about diversification across and within asset classes and across individual investment managers and investment styles. It’s this protection that helps you grow your wealth consistently over time.

Portfolio construction

With Perpetual’s help, you can build an investment portfolio that suits your needs for income and growth, your tolerance for risk and your personal situation. Perpetual advisers are experts at finding and combining investments to meet clients’ individual needs.

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Darren Wilson
BBus (Acc), Grad Dip Tax, MTax, CA, FTI
Partner
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Michael Sutherland
BBus (Acc), CA, CTA, RG146, FBA, Specialist Accredited Advisor
Lead Partner
Darren Wilson
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Darren Wilson

BBus (Acc), Grad Dip Tax, MTax, CA, FTI Partner
Bio

For more than twenty years, Darren has been providing business, taxation and asset protection solutions to the owners of privately-owned businesses. His passion lies in not only looking after their business needs, but also ensuring the growth and protection of his clients’ family wealth.

Darren has managed many projects to a successful conclusion for his clients including sale of business, matrimonial disputes and ATO audits. He also has significant experience assisting clients with estate planning, business acquisition and business divestment.

His experience covers a broad range of industries including retail, wholesale, professional services and property development. Darren has substantial practical experience in taxation matters and leads Fordham’s internal tax excellence group. This puts him at the forefront of tax minimisation strategies for income tax, capital gains tax, superannuation and GST.

Having completed a Master of Taxation degree to add to his Chartered Accounting qualification and Fellow status of the Tax Institute of Australia, Darren is a regular tax presenter at industry events.

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Michael Sutherland
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Michael Sutherland

BBus (Acc), CA, CTA, RG146, FBA, Specialist Accredited Advisor Lead Partner
Bio

Michael joined Fordham in 2001 and is now the lead partner of a team of 30 with clients in Property & Construction, Retail/Ragtrade, Transport, Manufacturing and Franchising. He started his career in 1991 with one of the Big Four accounting firms and joined Fordham 10 years later to focus specifically on medium-sized, privately-owned businesses.

As a Chartered Tax Advisor with a wealth of experience in corporate advisory, as well as private businesses, Michael brings this unique perspective to help his clients’ businesses grow and overcome adversity. He helps clients across the broad range of business and personal issues they face including arranging external financing, modelling/forecasting, reporting, shareholder issues, structuring and valuations.

In this role Michael enjoys undertaking strategic planning for his clients and often participates as Board Chair. He runs executive leadership team meetings focused on driving accountability and meaningful improvements to operational performance. He is a regular presenter and author of industry articles for the building and property development sector, as well as Ragtrade industry segments. When not at work, he is chauffeuring four daughters to school, rep basketball and football.

Industry specialisation: Property & Construction, Retail, Manufacturing, Transport, Franchising

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