Intelligent tailored financial solutions designed to maximise and protect your wealth.
Intelligent tailored financial solutions designed to maximise and protect your wealth.
We invest in your future
Welcome to Stonehouse Wealth Management.
We provide intelligent, tailored financial solutions to help clients achieve their goals and create a secure financial future.
Our Investment Philosophy is founded on the following principles:
Key Services
Overall Financial Strategy and Planning
Realise your goals through tailored financial solutions
Superannuation, Including Self Managed Super Funds (SMSF's)
Ensure your retirement savings are maximised
Wealth Protection
Include life, disability and critical illness insurances
Stonehouse Services
Stonehouse specialises in providing quality financial advice to individuals, businesses and charitable organisations.
Prepare for tomorrow, make the most of today.
Latest News
Stonehouse Newsletter - Spring 2024
In this issue: Financially Empowered Women Workshop Andrew Celebrates the Brisbane Lions’ Win How Do Retirement Income Options Compare? Understanding…
The buy-first or sell-first dilemma
Deciding whether to buy a new home before selling your current one or to sell your home before buying a…
From budgeting to bliss: managing money matters in your relationship
Money sure can stir up a lot of emotions in relationships. From arguments over who spent too much on takeout…
Markets love certainty, but what happens next?
Financial markets can be like finely tuned racehorses, poised to gallop ahead under ideal conditions but often highly reactive to…
Stonehouse Newsletter - Winter 2024
In this issue: Stonehouse end of year celebrations Sarah Bridge – 20 year award presentation Start the financial year strong…
Enjoy the now and secure your future
Managing your financial situation always involves tension between how you live your life now and preparing for your future –…
Frequently Asked Questions
What is the role of a financial adviser?
Good advice from an experienced, well-informed adviser can help people save money, protect against risk, manage debts, grow assets, reduce tax liabilities, plan for retirement, identify entitlements for government benefits, and plan what inheritance is to be left to the next generation. A financial adviser’s first responsibility is to the client, not to an employer, a product manufacturer, to him/herself or to anyone except the client.
When providing personal financial advice an adviser must take into account the individual client’s circumstances and goals. The advice may or may not involve the recommendation of a financial product. The role of a financial adviser is not to sell financial products.
When is advice needed?
Most people choose to see a financial adviser at significant turning points in their life. They may need a professional to help them consider their options and to understand financial products, tax laws or the benefit system. Once people find an adviser with whom they’re comfortable, a long-term relationship often develops with regular meetings to review changing needs.
People most often consult a financial planner when:
- Starting work or changing jobs and looking at superannuation options
- Getting married, or separating from a partner
- Starting a family, and saving for education costs
- Buying a house, or paying off the mortgage
- Looking to invest for capital growth
- Planning to retire
- Inheriting money, receiving redundancy payments or other lump sum payments.
What does a financial adviser do?
A financial planner sets out to understand each client’s different needs and financial objectives and to recommend an appropriate financial strategy.
There is an established six step financial planning process which our advisers follow with every new client:
- Gather financial information about the client
- Identify financial and lifestyle goals
- Identify any financial issues
- Prepare a financial plan
- Implement the plan
- Review and revise the plan at regular intervals, or when circumstances change.
How can I accumulate wealth?
The key to successful wealth accumulation is to set clearly defined and realistic goals and to then design a plan that will help you to achieve those goals.
Your financial adviser can help you design a tax effective plan and an asset allocation strategy that is tailored to your individual circumstances. This will take into account the length of time you will be investing and your willingness to accept volatility in your investments.
Should you need to accelerate your wealth accumulation plan, your Adviser can show you how to use a gearing (or “borrowing to invest”) strategy that does not add to your investment risk unnecessarily.
How much money or assets do I need to see an adviser?
The actual amount of your savings or assets does not matter. The situation of each individual is unique and equally important. A Stonehouse Adviser will look at your situation and help you with a strategy that is best for you.
What is a managed investment?
This is a type of investment that brings the assets of multiple investors into a single investment pool, with a common investment strategy or objective. The benefits of a managed investment are that you have access to professional management, lower costs through economies of scale and access to greater diversification.
Stonehouse is a privately owned and operated company. As no investment or insurance provider has any ownership or material interest in Stonehouse, you can be assured that our Advisers only recommend investments that are suited to you and your financial situation.
Why should I protect my assets?
You can’t afford to leave your wealth unprotected. Your Stonehouse Adviser can help you steer your assets safely through difficult times.
Protecting your hard-earned assets through appropriate insurance is an integral part of the financial planning process. The trauma of death, accident or serious illness can be devastating for you, your family and your financial plan, especially if you’re in the wealth accumulation phase of your financial plan – that is, investing to build your wealth during your working life.
The right insurance advice can help you minimise risks, secure your family’s future and soften the financial blow of serious illness or injury. Your Adviser is able to analyse your insurance needs and recommend appropriate wealth protection solutions.
The same care and expertise your Adviser applies to planning your affairs during your lifetime extends to planning the transfer of your assets to your family and other beneficiaries when you die.
Your Adviser can work with you, your solicitor and/or an estate planning specialist to help you structure a tax-effective estate plan using testamentary trusts and other strategies to protect your assets from unnecessary taxation or the unwelcome claims of others.
How does investing in an allocated annuity or allocated pension affect my social security benefits?
By investing in an allocated annuity or pension your eligibility for social security benefits may be enhanced. There are two tests, which will determine if you are entitled to social security benefits:
- Assets test – This takes into account the whole amount of your annuity/pension.
- Income test – This may only take into consideration part of your annuity/pension payments.
How much does it cost to see an adviser?
Again the costs will be different for different individuals as their circumstances are unique. The two things to remember is that the first consultation is free with a Stonehouse Adviser and that before you act on our recommendations, you will understand fully the benefits and the costs.
Happy Client of Phoebe Mumbray
"I highly recommend Phoebe and the team at Stonehouse Group for friendly professional financial advice. As recent arrivals to Australia they set us on the right path from the start with fantastic results."
Happy Client of Andrew Stewart
"'With Andrew it is different, from the first phone call we knew this was a man who was going to have our backs' We had an idea, Andrew took that and turned it into something we never thought possible. From a long term strategic plan and highly tax effective outcome, Andrew explained the entire process (which was complicated) to us in a way that he wasn't happy until we fully understood every stage. We can communicate at any time with Andrew and he responds to our questions with speed and efficiency. We have no hesitation in our relationship and trust in Andrew to recommend his integrity and skills."
Happy Client of Martin Baker
"Martin's advice is always clear and easy to make decisions upon. My portfolio has never looked better and I'm very confident it's in great hands."
Happy client of Jeremy Chiel
"Jeremy has been a great help and always takes the time to answer questions and explain things we don't understand. Would highly recommend him as an advisor."
Happy Client of Declan Baker
"We have always found Declan to be very approachable, informative and totally professional in his knowledge, appearance and manner. He is always available to speak with us and takes time to explain in detail, aspects that we are not clear of. This is important to us. Declan has given us sound advice regarding our Superannuation, Tax Strategies and renewal of our Wills. This advice is ongoing and we are confident in his decisions. We have recommended Declan’s services to friends and family and he is now assisting those people. We would not hesitate to recommend Declan’s services to other people. Gary and Sharon"
