The Exceptional Wealth Model


Step 1 - Protection

The first rule of wealth is to protect what you have. This is the foundation of everything we do and forms the basis of your financial plan so you can grow your wealth responsibly and sustainably.

Step 2 - Growth

The second step is to create a responsible plan to grow your wealth using proven and tested asset allocation and debt management strategies to maximise the upside while minimising the risk.

Step 3 - Enjoyment

A wealth creation plan must build in enjoyment to be sustainable over the long term. We will help you create a custom plan for an exceptional quality of life both now and when you retire.

exception wealth model


How To Think, Plan And Invest So You Can Enjoy Wealth Like An Insider

As a doctor you earn more money than most people and you work such long hours that often planning for your financial future gets put off.

Because you earn so much during your lifetime this wealth mastery model, that we call Exceptional Wealth, is built on the core principle of ‘do no harm.’

We believe a sound strategy, well executed, will deliver what you want and need so you never have to worry about money again.


Today, wealth is disproportionately distributed to ‘insiders’ -people with the inside knowledge and access to ‘wholesale’ investment opportunities.

We help doctors to think, plan, invest and enjoy wealth like an insider.

The goal is for you to never have to worry about money again. Imagine that for a moment, being so confident in your financial situation that you never worry about money again.

The Three Steps To Stress-Free Financial Independence

How To Protect Your Money
  • Education

You don’t have to become a financial expert, but you do need to know enough to start thinking like an ‘insider’, so you can take ownership of your financial future.

  • Plan

This starts with getting clarity about what you want, then developing a strategy to generate cash flow, from income-producing assets, to ultimately replace your income. The plan needs to be reviewed annually at a minimum, and when there is any major life or economic event, to ensure that it continues to deliver what is required.

  • Structure

It’s important to get the right structure for your Business, Investment and Retirement. Each of these areas of your financial life needs to be considered separately, so you are set up for optimal protection and efficiency.

  • Risk management

Your most valuable asset is you, so risk management should start with protecting you and your ability to generate income. In addition, your other assets need to be protected with appropriate insurances and structures. These insurances all need to be reviewed regularly to ensure they remain appropriate and you are getting the best deal. Furthermore, structures for asset protection need to be set up before assets are acquired as it can be very costly to restructure at a later date.

How To Grow Your Wealth
  • Investment

The cornerstone of intelligent investment is asset allocation and how you diversify your portfolio. This is to ensure that no matter what the market is doing, whether there is inflation or deflation, your portfolio is sound. Remember, no one can predict the market so your asset allocation strategy is critical to maximise the upside while minimising the downside.

  • Debt management

Not all debt is created equal. Your debt management strategy ensures debt is held in the right entity for tax deductibility, and it builds in regular reviews to make sure the interest rates and terms are optimal for you.

How To Enjoy It
  • Pre retirement distribution and cash flow

Investment is not all about having a great retirement; it’s also about enhancing your life in the immediate term. A sound plan has a strategy to help you enjoy the journey as well as the destination.

  • Post retirement distribution and cash flow

Your financial plan works towards building income-producing assets to replace your income when you retire. Most plans build assets and forget about the income part of the equation, but you don’t live on assets, you live on income. Execution of a sound strategy means you never have to worry about your money running out.

Get started today by signing up to receive a Complimentary Assessment of your cash flow, risk profile, financial position and structures by one of our specialist Private Wealth Managers

Start Here