The High Income Earner
Goals & Objectives
Minimise Tax
Reducing the tax burden through smart strategies such as salary packaging, trusts, negative gearing, or maximising deductions is a top priority.
Optimise Investments
They seek high-performing, diversified investments tailored to their risk tolerance and long-term objectives.
Grow Wealth
Continued wealth accumulation is central—often through property, shares, managed funds, or private business ventures.
Achieve Financial Independence Early
Many aim to retire or reduce work commitments earlier than the standard retirement age, seeking flexibility and lifestyle freedom.
Explore property, shares, or business investments
They’re interested in leveraging their income to access growth opportunities but may want help identifying the right options and structures.
Pain Points
Significant tax liabilities cutting into income and growth potential.
Limited time to manage personal finances due to demanding work schedules.
Lack of diversification or overexposure to certain assets.
Uncertainty or overwhelm when navigating complex investment strategies or opportunities.
Objections
Perception that financial planning is unnecessary due to already high income.
Fear of hidden fees or advice not delivering sufficient value.
Confidence in managing investments independently using online research or peer recommendations.