One Advisory Wealth Management

Financial planning is about more than just wealth - it’s about building long-term security and supporting your financial goals.

Whether you're juggling family expenses, managing debt, or planning for retirement, a financial plan can help you make informed decisions and feel more in control of your money.

Want to start living for today and building for the future?

Our team at One Advisory Wealth Management can help with:

👉 Wealth accumulation and preservation
👉 Budgeting and cash flow management
👉 Debt management
👉 Investing
👉 Strategic business and tax planning
👉 Financial goal setting

www.oneadvisory.co

Financial planning is about more than just wealth - it’s about building long-term security and supporting your financial goals.

Whether you're juggling family expenses, managing debt, or planning for retirement, a financial plan can help you make informed decisions and feel more in control of your money.

Want to start living for today and building for the future?

Our team at One Advisory Wealth Management can help with:

👉 Wealth accumulation and preservation
👉 Budgeting and cash flow management
👉 Debt management
👉 Investing
👉 Strategic business and tax planning
👉 Financial goal setting

https://www.oneadvisory.com.au/wealth-management

In Australia, your preservation age is the earliest age you can generally access your super, for most people it’s 60.

That matters because once you’ve reached preservation age, you may be able to start a Transition to Retirement Income Stream (TRIS) while still working — a common way to top up income if you reduce hours or re-shape cashflow as you move toward retirement.

It can also be the point where people start asking strategic questions like:
- Are contributions and pension payments working together sensibly?
- Should a withdraw-and-recontribute (recontribution) strategy be considered as part of longer-term planning (where eligible), to adjust components inside super?

If you’re thinking about reducing work in the next 12–24 months, it’s worth a planning chat now.

https://www.oneadvisory.com.au/wealth-management

Many Australians have life, TPD and/or income protection sitting inside super, often arranged years ago and rarely reviewed. That’s a risk, because the details matter when you actually need to claim.

A quick check-in can help confirm:
• Is the cover still enough for today’s mortgage, family needs and lifestyle?
• Do the definitions and waiting periods still fit your work and income?
• Are premiums quietly eroding your balance, especially if cover was added automatically?
• Have life changes occurred (kids, new debt, business, separation) that should trigger an update?

This isn’t about alarm — it’s about making sure your protection strategy still matches your plan.

If it’s been 2–3 years since you looked at your insurance in super (or your circumstances have changed), it’s worth a conversation.

At One Advisory Wealth Management, we believe better advice starts with better relationships. We combine:

✔ Local knowledge and long-standing connections
✔ Direct access to experienced advisers
✔ Proactive, forward-thinking strategies
✔ Connected accounting and wealth advice

All delivered with a personalised South Australian approach.
Because it’s not just about numbers, it’s about helping you move forward with clarity and confidence.

💬 If you’re looking for advice that’s practical, connected and built around you, let’s start a conversation.

Wealth isn’t just about how much you’ve built, it’s about how prepared you are for what comes next.

Life-stage planning helps bring clarity to the big questions that often get delayed:
Are you actually retirement ready?

Is your risk protection still fit for purpose?

And have you considered how your wealth will be passed on?

A strong financial plan should evolve with you — not sit still while your life moves forward.

Here are a few questions worth asking your adviser:
✔ Am I on track to retire when I want to — and maintain my lifestyle?
✔ Do I have the right level of insurance and risk protection in place today?
✔ Is my estate plan up to date and aligned with my current wishes?
✔ What risks or gaps might I not be seeing in my current strategy?
✔ How does my investment approach support my next life stage?

Good advice should give you confidence - not complexity.

At One Advisory Wealth Management, we focus on helping clients understand where they are today, and what needs to be in place for tomorrow.

Because financial confidence starts with asking the right questions.

Succession planning is one of those topics that often gets pushed to “next year’s priorities”. But the reality is simple: the best time to plan your future exit is long before you need it.

Whether you’re a business owner thinking about retirement, transitioning leadership, or preparing the next generation to step up, succession isn’t just about who takes over, it’s about protecting what you’ve built.

A strong succession plan helps you:
• Maintain business value and continuity
• Reduce risk during periods of change
• Prepare and develop future leaders early
• Ensure clients and staff experience a smooth transition
• Turn years of hard work into a lasting legacy

The most successful transitions we see aren’t rushed. They’re planned, structured, and supported by clear advice well in advance.

At One Advisory Wealth Management, we work alongside business owners to bring clarity to what comes next, aligning financial, tax, and strategic considerations so the transition is as seamless as possible.

If succession is on your mind (even in the background), now is the time to start the conversation.

Because a well-planned future is always more valuable than a rushed decision.

EOFY isn’t just about reporting — it’s about planning ahead.

Key areas to review before 30 June:

✔ Capital gains and potential tax-loss strategies
✔ Trust distributions and beneficiary allocations
✔ Investment structure efficiency (trusts, entities, SMSFs)
✔ Superannuation contribution caps and opportunities
✔ Carry-forward concessional contributions (where applicable)

The right planning before year end can significantly improve your tax position.
We’re helping clients make informed, proactive decisions - not reactive ones.

EOFY is also a key moment to step back and look at the bigger picture.
Ask yourself:

✔ Is all investment income accurately recorded?
✔ Have dividends, rent, and interest been reconciled?
✔ Do you have clarity on upcoming tax obligations?
✔ Does your portfolio still align with your risk profile?
✔ Is your wealth strategy still on track for long-term goals?

EOFY is more than compliance — it’s a reset point for your financial strategy.

At One Advisory Wealth Management, we help clients bring structure, clarity, and confidence to their wealth decisions.

Succession planning is one of those topics that often gets pushed to “next year’s priorities”.

But the reality is simple: the best time to plan your future exit is long before you need it.

Whether you’re a business owner thinking about retirement, transitioning leadership, or preparing the next generation to step up, succession isn’t just about who takes over — it’s about protecting what you’ve built.

A strong succession plan helps you:
• Maintain business value and continuity
• Reduce risk during periods of change
• Prepare and develop future leaders early
• Ensure clients and staff experience a smooth transition
• Turn years of hard work into a lasting legacy
The most successful transitions we see aren’t rushed. They’re planned, structured, and supported by clear advice well in advance.

At One Advisory Wealth Management, we work alongside business owners to bring clarity to what comes next — aligning financial, tax, and strategic considerations so the transition is as seamless as possible.
If succession is on your mind (even in the background), now is the time to start the conversation.

Because a well-planned future is always more valuable than a rushed decision.