AMGENT helps clients move from a collection of accounts, properties and investment ideas to a disciplined wealth framework. The work begins with what the capital must achieve - income, growth, liquidity, diversification, family support or future legacy - before considering how it should be invested.
A portfolio is only one part of wealth management
Performance matters, but so do tax consequences, access to capital, ownership structures, fees, behaviour during market stress and the interaction with superannuation and estate plans. AMGENT documents these dependencies so investment decisions remain aligned when markets or circumstances change.
What a coordinated investment strategy needs to answer
Objectives and capital purpose
Separate short-term cash, medium-term commitments and long-term growth capital so each pool is invested for the job it needs to perform.
Risk capacity and tolerance
Assess not only how much volatility feels comfortable, but how much loss the financial plan can absorb without compromising retirement, debt or family goals.
Asset allocation and diversification
Review concentration across business, property, shares, cash, super and overseas assets, then set strategic ranges that reduce reliance on a single outcome.
Structures and tax coordination
Consider ownership, superannuation and distribution implications with the client’s accountant so investment implementation supports the broader tax and estate strategy.
Implementation and cost control
Compare implementation options, explain fees and liquidity, and establish a disciplined process rather than reacting to headlines or short-term performance.
Monitoring and governance
Set review criteria for portfolio drift, cash needs, manager changes, tax events and major life decisions, with records of why changes are made.
Portfolio decisions are made in the context of the full balance sheet.
Recommendations are made only after objectives, financial circumstances, risks and the agreed advice scope have been established.
From investment purpose to implementation and review
Define what the money must do
Clarify lifestyle spending, future purchases, business commitments, retirement needs, family support and legacy intentions.
Map the current position
Consolidate accounts, ownership, fees, tax settings, concentration risks, liabilities and existing advice.
Design the investment framework
Agree asset allocation, liquidity reserves, implementation structure and risk controls that support the financial plan.
Implement deliberately
Stage changes where necessary, coordinate tax considerations and document the purpose of each investment decision.
Review against the plan
Measure progress against goals and risk - not only a market benchmark - and adjust when assumptions or circumstances materially change.
A documented framework for what to own, why it is held and when it should be reviewed.
- A clear purpose for each investment account or structure
- An agreed risk and liquidity framework
- Reduced concentration where appropriate
- Transparent fees and implementation responsibilities
- A review process linked to goals, tax events and life decisions
When investment decisions need more structure
A wealth review is particularly valuable after a business sale, inheritance, major property transaction, career change, retirement decision, change in family circumstances or when several providers are managing different parts of the portfolio without a shared strategy.
Common questions
No. Investment advice is considered alongside superannuation, retirement income, tax structures, estate intentions, insurance and liquidity. The agreed scope will specify which areas are included.
Not necessarily. Existing holdings should first be reviewed for suitability, tax consequences, costs, liquidity and their role in the new strategy. Changes may be retained, staged or avoided depending on personal advice.
AMGENT considers risk tolerance, financial capacity for loss, investment timeframe, required return, liquidity needs and the consequences of a poor market outcome for the wider plan.
Yes. Coordination is important where investment ownership, capital gains, trusts, companies, superannuation or distributions may have tax implications.
The review schedule is agreed with the client. Reviews may also be triggered by material changes in markets, legislation, cash needs, business ownership, health or family circumstances.