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Obsidian Wealth Management

How we help

Wealth Creation and Growth

Decide how to put your available resources to work. We assess saving and investment options against your goals, timeframe, access needs and capacity for risk.

Book a call

Free 15-minute call. Choose a time below.

Decisions we help you make

  • Where should my surplus income go first?
  • Should I invest inside or outside super?
  • How much should I invest regularly, and how much should I keep accessible?
  • Should I build assets outside my business?
  • How much investment risk can I take for the goals I have?

How we help

What the advice covers

Building wealth starts with deciding how to use the resources you have. We look at your income, assets and commitments, then assess where saving and investing could best support your goals.

  • Surplus income. How much you can set aside and where it should go.
  • Inside or outside super. The access, tax and timeframe trade-offs of each.
  • Regular investing. A plan for ongoing contributions alongside lump sums.
  • Building assets outside a business. Diversifying away from a single source of wealth.
  • Risk and timeframe. Matching the approach to when you may need the money.
  • Reviews. Revisiting the plan as income, family and goals change.

How it fits your wider plan

Wealth creation draws on your cash flow, debt and super decisions, and depends on reserves and insurance being in place. We consider these together so that investing does not leave you exposed elsewhere. Where tax or ownership questions arise, we work with your accountant.

Who it suits

  • Professionals and executives with a growing income and no clear plan for the surplus
  • Business owners who want personal wealth outside the business
  • Families investing for the years ahead while managing a home loan

What working together involves

Tav leads the research, strategy and advice. Our client service, administration and implementation team supports the work.

  1. Step 1: Introductory call

    Tell us what has prompted you to seek advice. We’ll discuss whether Obsidian can help and explain the next step.

  2. Step 2: Discovery

    We explore your goals and financial position in detail. Together, we establish the questions your advice needs to answer and agree the scope and fees before proceeding.

  3. Step 3: Strategy development

    Tav researches your options and develops the strategy. We consider the costs, risks and trade-offs, then document the recommendations for you.

  4. Step 4: Advice presentation

    We explain the recommendations, work through your questions and refine the plan where needed. You decide which actions to authorise.

  5. Step 5: Implementation and review

    Our team coordinates the approved changes and keeps you updated. If you choose ongoing advice, scheduled reviews help keep the plan relevant as your circumstances change.

Read about our approach

Common questions about wealth creation and growth

How is this different from investment advice?

This advice decides how much to save and invest, and where. Investment advice then covers how a portfolio is built and managed. Many clients need both.

Do I need a lump sum to start?

No. Many plans start with regular investing from surplus income. We look at your cash flow to decide what is realistic.

Should I invest or pay off debt first?

It depends on your interest rate, tax position, timeframe and comfort with risk. We compare both options using your circumstances before making a recommendation.

Book a free 15-minute call

Choose a time that suits you. We’ll discuss your situation, whether we can help and what working together would involve.

Scope and fees are agreed before any advice work proceeds. Our Financial Services Guide explains our services and how we’re paid.

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