Individuals, Couples & Families

Planning Partners works with individuals, couples and families to identify their goals and co-ordinate implement plans and strategies in order to make them a reality. From establishing, expanding and/or protecting wealth through to estate planning, Planning Partners are expert in guiding clients while easing the burden of financial management.

Cash Flow ManagementWealth Creation StrategiesPortfolio Management
We review your income and expenditure patterns and identify areas where cashflow may be isolated for wealth creation or debt reduction purposes.
We devise wealth creation plans which are tailored to your particular financial goals and involve a combination of investment, debt management, tax and superannuation strategies.
Planning Partners provides portfolio advice on a wide range of investments including direct equities, professionally-managed funds and fixed-interest investments.

We also provide access to a custodial facility to minimise the administration costs associated with your investments.

We can also provide you with access to direct property investments through our strategic alliances with Buyers Advocacy and Property Management firms.

Wealth Protection

Please see our Life Insurance services below.

Finance Arrangements

Please see out Finance services below.

Businesses & Organisations

At Planning Partners we recognise that while businesses and organisations require different services, they require the same high quality of advice. We provide strategic business advice to clients to help grow their practice and specialise in advising private business owners on both their business and their private wealth.

Cash Flow ManagementBuy/Sell ArrangementsBusiness Succession Planning
We review your cashflow patterns and make recommendations for efficient management of cash to assist in creating wealth both within and external to your business.
Planning Partners provide advice on a range of Business Insurances, such as Key Person and Equity Protection, as well as Buy/Sell Agreements to protect you, your family and your business in the event of incapacitation or death.
We provide comprehensive advice to assist your business to transition to new owners with minimal loss of value.

Our advice provides certainty and peace-of-mind to stakeholders who are exiting or entering your business.

Estate Planning & Inter-Generational Wealth Transfer

Planning Partners provides comprehensive advice to ensure that your assets are protected and distributed in accordance with your wishes upon death. We also provide a long-term, generational view of your finances so you have confidence your wealth and businesses can meet the needs of your loved ones in the future. Our tailored family programs aim to build communication, values and governance between family members. This can serve to protect your legacy and empower younger family members to make better financial decisions.

Estate PlanningEstate BeneficiariesTestamentary TrustsExecutor Responsibilities
Planning Partners provides comprehensive advice to ensure that your assets are protected and distributed in accordance with your wishes upon death.

We work in conjunction with Estate Planning Solicitors who prepare formal documents including Wills and Powers-of-Attorney.
Planning Partners assists beneficiaries to make investment decisions to suit their particular circumstances and financial objectives, while taking into consideration the taxation issues that arise from estate distributions.
Many Wills include the provision for the establishment of a Testamentary Trust to be enacted at the time of the Will administration.

Planning Partners provides assistance to the Trustees to ensure that the Trust is administered in line with the intentions of the Will and that all fiduciary responsibilities are met.
Where a client has been appointed Executor of the Will of one of their loved ones, Planning Partners provides the necessary support to ensure that this role is carried out and completed in accordance with the wishes of the deceased.

Philanthropic Enterprises

With a thorough knowledge of philanthropic endeavours, Planning Partners understand the day- to-day challenges faced by charities and Not-for-Profit (NFP) organisations. We will assist you to structure meaningful, impactful philanthropy that will last for generations to come.

Establishment of Prescribed Private FundPrivate Ancillary FundsPAF Portfolio ManagementResponsible Person
The establishment of a Private Prescribed Fund (PPF) with Deductible Gift Recipient (DGR) and Income Tax Exemption Charity status, is the most common approach adopted by our clients.

Gifts to a PPF are tax-deductible, providing a particularly useful tool in a high-income or Capital Gains tax year.

The income within a PPF is tax-exempt, so the earnings and gains are tax-free allowing it to grow more quickly.

PPFs can make invaluable contributions to social and community programs that are carried out by organisations with Deductible Gift Recipient (DGR) status.

A PPF is established under a trust deed and approved by the ATO and the government.

Planning Partners provides assistance, guidance and counsel to all elements of the set-up process.
A Private Ancillary Fund is an ancillary fund which is used as a vehicle for private philanthropy.

The PAF is established and operated as a not-for-profit entity and must operate under the guidelines documented in the Private Ancillary Fund Guidelines 2009.
Planning Partners provides portfolio advice for the management of the assets of the PPF.

This includes establishing an appropriate asset allocation and selection of underlying investments to suit the objectives of the PPF.

We also provide access to a custodial facility to minimise the administration associated with the investments of the PPF.

Planning Partners takes particular care with the cash-flow management of the portfolio so as to ensure the efficient distribution of funds to charitable organisations.
A PPF requires the appointment of a Responsible Person to consult to the Fund in a professional capacity.

As a Professional Practice of the Financial Planning Association, Planning Partners is able to fulfill this capacity alongside the board of Directors or Trustees.

As the Responsible Person, Planning Partners will attend regular board meetings and make representation in accordance with our responsibilities.

Planning Partners have managed my finances for nearly 20 years to my complete satisfaction. They  have always been obliging and cooperative to all my requests.

K E Stuchbery, FRCS(Eng),FRACS

Our initial engagement with Planning Partners was for superannuation and general financial advice some 15 years ago.  The success of some of our investments put us in the fortunate position of being able to consider ongoing charitable donations. Martin has been instrumental in guiding us to establish a private ancillary fund, and then managing the foundation and its investments to allow the board to focus on all the positive elements of gifting.

S. Martin, Deepdene

My health took an unexpected downturn in early 2017 forcing me to, not only leave employment , but rendered me mostly bedridden for nearly 24 months.

Being suddenly unable to sustain employment mid-career is a devastating experience, especially as for a single income first home owner.

The astute advice Planning Partners provided at our initial consultation, ten years ago meant that I suddenly had multiple options when they were most needed.

The professional support, competent guidance and proactive suggestions provided by Rebecca during this time, facilitated navigation of dense income insurance administration, enabling me to access practical income and ensured I remained financially sound during a potential crisis.

Reb Anderson

Martin McIntosh and his team at Planning Partners have been instrumental in the growth and ongoing success of building my business. Planning Partners have played a crucial role in the strategic planning, financial control and financial management on the business; enabling key business decisions to be made accurately along the journey.

With a focus on education and support, Planning Partners have been a wealth of knowledge right from the inception of the business. Laying the foundations of key business structures and financial control under the guidance of Martin and his team has proved to be critical to our success.

I can highly recommend the Planning Partners team for their knowledge and financial planning expertise to ensure you get the right advice to achieve your business and/ or lifestyle goals.

Brendan Rigby

Investment

A critical element of any financial plan is ensuring that you manage and allocate your cashflow appropriately to assist in the achievement of your financial objectives. We review your income and expenditure patterns and identify areas where cashflow may be isolated for wealth creation or debt reduction purposes.

Wealth Creation Strategies (Presently under Professionals & Execs)Portfolio ManagementExecutive Share and Options Plans
We devise wealth creation plans which are tailored to your particular financial goals and involve a combination of investment, debt management, tax and superannuation strategies.
Planning Partners provides portfolio advice on a wide range of investments including direct equities, professionally-managed funds and fixed-interest investments.

We also provide access to a custodial facility to minimise the administration costs associated with your investments.

We can also provide you with access to direct property investments through our strategic alliances with Buyers Advocacy and Property Management firms.
We provide advice on finance, taxation and investment issues associated with exercise and sale of company shares and options.

Superannuation

Superannuation is money set aside over your lifetime to provide for your retirement and a tax effective way to save for your retirement – but the rules on how much you can contribute are often changed. We guide you through any changes, their implications and options to consider.

The considerable tax concessions available to superannuation make it a preferred retirement savings and investment strategy.

Superannuation StrategiesRetirement Income StreamsSelf-Managed Super FundsEstate Beneficiaries
Decisions regarding superannuation contribution and investment strategies are critical in the months and years leading up to retirement.

We encourage prospective clients to seek advice well before retirement to ensure that you take advantage of all tax concessions.
Planning Partners can help you navigate complex legislation and structure tax-effective income streams to provide a comfortable retirement.
Planning Partners provides a specialised service to Self-Managed Superannuation Fund investors.

This service covers advice in relation to contribution strategies, withdrawal and income stream strategies, portfolio management and tax-efficient estate planning.
At the time of the passing of a close friend or relative, to be left with a bequest, an estate role or indeed a residual entitlement to the estate can create an overwhelming sense of responsibility and sometimes stress.

Life Insurance

As a defensive measure to support your lifestyle, assets and investments, it is essential to have some form of financial protection in place should your income cease due to:

  • death;
  • total and permanent disability and/or significant illness;
  • loss of income;

There are several types of personal risk available for your consideration, which are discussed in the linked pages.

Life InsuranceTPDIncome ProtectionTrauma
Life Insur