Prepare for tomorrow,
make the most of today.

Financial advice to help you manage, grow and protect your family’s wealth across generations.

Advice that makes a difference.

A financial plan is about more than just money.

It’s about freely living your life without worrying about your finances. It’s confidence and excitement about your future.

It’s about leaving the right money, to the right people, at the right time, in the right structure.

At Victoria Wealth Management we help you and your family navigate your financial life.

Worry Less. Take Control. Plan Ahead.

How we can help

At Victoria Wealth Management, our goal is to help you reach your potential, whether you are just getting started, building your wealth, preparing for retirement or enjoying life after work.

From a Family Wealth Management perspective, Values, Principles, and Purpose are critical concepts that guide the creation and management of not only an individual’s estate plan, but the family’s generational wealth management plan.

These elements help ensure that the distribution of assets, the protection of beneficiaries, and the fulfillment of the decedent’s intentions align with their core beliefs and goals.

Taking this into account, Values, Principles, and Purpose play important roles in shaping the decisions and goals of individuals, families (and, in certain circumstances, business as well) when it comes to the distribution of their assets and the preservation of their legacy.

Put simply: the right money, going to the right hands, at the right time, in the right structure – and all in accordance with what’s most important to you.

Let’s break down each of these concepts:

Values refer to the ethical, moral, and personal beliefs that are important to YOU. In the context of Multi-Generational, Inter-Generational, Family Wealth Management, understanding your Values in creating ‘The Plan’ is essential. This involves identifying what matters most to you, such as family unity, philanthropy, education, environmental stewardship, or religious commitments. By understanding these Values, we can ensure that the distribution of assets align with YOUR beliefs and contribute to the legacy you wish to leave behind.By having a deep and robust discussion about what you value most, it helps not only your family, but your advisors align your decisions regarding the growth, creation, protection and eventual distribution of your wealth with what matters most to you. For example, if charitable giving is a core value, you may choose to include philanthropic provisions in ‘The Plan’ to support causes you care about.
Principles are the fundamental guidelines that dictate decision-making and behaviour. In Multi-Generational, Inter-Generational, Family Wealth Management, Principles might involve ensuring fairness among beneficiaries, minimising taxes, protecting vulnerable family members and preserving wealth across generations.

These Principles guide the creation of legal documents such as wills, trusts, and advanced care directives.In the context of Multi-Generational, Inter-Generational, Family Wealth Management, Principles can also guide your family and advisers on how you want your assets to be built, grown, managed, protected, and passed on to future generations.

For instance, if fairness is a guiding principle, ‘The Plan’ might be structured to distribute assets equitably among beneficiaries, accounting for individual needs and circumstances; alternatively, if you value financial responsibility, you may establish Principles that encourage your beneficiaries to use their inheritance wisely and avoid reckless spending or excessive debt.
Purpose refers to the underlying reason or intention behind an action. In a Multi-Generational, Inter-Generational, Family Wealth Management context, defining the Purpose involves identifying the broader goals you want to achieve through the distribution of your estate. This could involve providing for loved ones, supporting charitable causes, minimising disputes among heirs, or maintaining a family business. The Purpose serves as the driving force behind the decisions made in ‘The Plan’. For example, if the Purpose is to support educational opportunities, ‘The Plan’ might establish a scholarship fund or educational trust.

Well, there’s a heap of words there, so here are some one-word descriptors for each concept:

Values

Integrity
Family
Compassion
Philanthropy
Tradition

Principles

Fairness
Stewardship
Protection
Responsibility
Equity

Purpose

Legacy
Provision
Continuity
Security
Impact

Here’s the trick to all this though – our experience with working with families across generations is it often takes time to figure all this out. And that’s quite OK though as we’re always on hand to help you build what becomes the rule book to creating, building, growing, protecting and distributing YOUR Family’s Wealth Across Generations.

We develop tailored step-by-step financial strategies and help you make informed decisions about your money.

Step 1

Discovery Call

Let's have a quick chat to see if we decide to work together to help you achieve your goals.

Step 1

Step 2

Gather Data

We discuss your values, principals and purposes and talk to you about all aspects of your financial situation so we take a comprehensive look at your life and finances.

Step 2

Step 3

Financial Plan

This is more than just numbers. It is about creating a personalised financial plan that will serve as a roadmap to Your Values. Your Principals. Your Purpose.

Step 3

Step 4

Implementation

We set your financial plan in action by implementing all your personalised strategies.

Step 4

Step 5

Support

There is no ‘set and forget it’ here. We stay in touch and review your plan based on major life changes or market factors; that’s why we call it a strategic outlook and review.

Step 5

We make the complex simple.

Your financial planners

Victoria Wealth Management has been entrusted with providing efficient personal service to our multi-generational clientele since our launch. We care for our clients and aspire to add value by presenting strategy based solutions tailored to meet your individual goals and objections. We pride ourselves on developing excellent working relationships with our clients to provide comprehensive financial advice. Our training, knowledge, skills and dedication translate into high-quality advice assisting you to achieve your financial peace of mind and well being.

We offer simple financial choices for the issues that matter to you. You will always need to make financial decisions. Whenever this happens, it is great to know you have choices. You don’t have to think about all your tomorrows in one go – you can begin by deciding what’s important to you now.

Our focus is offering the help you need today and which can be built on in the future (to meet your future goals and objectives). We will do this by:

Helping you working out your goals and current financial position.
Guide you through deciding what’s important to you now. Remember you don’t have to think about everything in one go!
Considering the right options and strategies for you and giving you our recommendations and advice.
Showing you how to take advantage of features and benefits of the financial products you may already own.
Taking the time to help you with any application process and paperwork.
Helping you to stay motivated and focussed to achieve your financial goals.
Before we get started, we let you know any costs up front and available payment options.
Discuss the ongoing service options with you.

Our client value proposition

We assist our clients identify their goals, objectives and priorities. Our job is to be impartial and tell you what is possible with our personalised strategies, ongoing service and education we will place you in the best possible position to achieve your goals.

Kind words from our clients

Hari is a very skilled technician in the field of financial advising. I have also found him professional, helpful and totally reliable. His costs are reasonable and fair. He is also easy to talk to and his staff support him with great zeal. I would highly recommend Hari and his team.

Hari has looked after my husband and I throughout numerous financial and life changes and ensured that we have the very best systems and processes in place. I cannot speak highly enough to Hari's professionalism, expertise and commitment to our financial stability and success.

Hari is extremely knowledgeable about financial services, he's also able to listen to the client and to actually hear what is being said. He brings a great personal integrity to what he does and to his quality of service, and has a real interest in supporting his client - he doesn’t just sell an off the rack product.

I have worked with Hari for a number of years, both as a service provider for his clients and as a friend. Hari brings to all his endeavours passion, intelligence and a strong desire to ensure he achieves the very best outcome for his clients. Hari combines technical skills with a genuine desire to make a positive difference in all he does.

Prepare for tomorrow,
make the most of today.

Advice that makes a difference.

Worry Less. Take Control. Plan Ahead.

How we can help

Superannuation

Self Managed Super

Retirement Planning

Wealth Protection

Mortgage Broking

Debt Management

Estate Planning