Private Clients & Family Offices

What We Cover

Cutting Through Multi-Adviser Chaos

Most high-net-worth individuals do not need more advisers. They need their existing advisers coordinated. Recommendations that account for what the other advisers are doing. A single point of accountability that sees the full picture.

We review your existing advisory relationships, identify where advice is overlapping or conflicting, and establish a coordination framework that keeps everyone aligned. This is not about replacing your advisers — it is about making sure the collective output serves your interests rather than each adviser's silo.

Where gaps exist — a missing asset protection strategy, an outdated estate plan, a tax structure that no longer reflects your circumstances — we flag them and work with your existing team, or deploy our own, to close them.

Family Governance and Decision Frameworks

Wealth without governance is a dispute waiting to happen. Families that have built substantial assets across businesses, property, and investments need clear frameworks for how decisions are made, who has authority, and how conflicts are resolved before they escalate.

We design governance structures tailored to how your family actually operates — not off-the-shelf templates borrowed from a textbook. That means family constitutions, decision-making protocols, meeting structures, and communication frameworks that reflect your family's values, dynamics, and commercial interests.

For families with operating businesses, this extends to the boundary between family governance and corporate governance — who sits on the board, how family employment works, and how distributions are managed without creating resentment.

Structuring, Succession, and Stewardship

Your structures — trusts, companies, SMSFs, partnerships — were set up at a point in time. They reflected the circumstances, the tax rules, and the family dynamics of that moment. Circumstances change. Tax rules change. Family dynamics definitely change.

We review existing structures for relevance and efficiency, restructure where the cost-benefit justifies it, and design new structures when the situation demands it. Every recommendation is grounded in your current tax position, your asset protection needs, and your succession intentions — not in a generic model that looks tidy on a diagram.

On succession, we work through the hard questions that most advisers avoid: who is capable of taking over, who wants to, what happens to family members who are neither, and how the transition is funded without liquidating the assets that created the wealth in the first place.

Preparing the Next Generation

Wealth transfer fails more often because of poor preparation than poor planning. The structures can be perfect and the tax position optimised — but if the next generation is not ready, equipped, or aligned, the wealth dissipates within a generation.

We work with families on intergenerational readiness — financial literacy programs, staged involvement in family decision-making, mentoring frameworks, and the gradual transfer of both responsibility and control. The goal is not just to transfer assets but to transfer the capability and discipline that built them.

When Private Wealth Touches Everything

Private client matters are inherently cross-disciplinary. A restructure triggers capital gains considerations. A succession plan requires updated wills, revised powers of attorney, and new trustee appointments. An asset sale reshapes your investment strategy and your superannuation contributions.

abCredo Advisory sits alongside two independent, aligned divisions: abCredo Legal and abCredo Wealth. When your matter extends into estate planning, property, investment strategy, or asset protection, we bring the relevant expertise to the same table — no repeated briefings, no overlapping fees, no hunting for external firms. This happens only when it adds direct value to your position, and only with your prior approval. The capability is ours to offer — the decision is always yours.