Prepared for David Lenarduzzi
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Every piece is finished, written in your voice, and yours to keep regardless of whether we work together.
As retirement approaches, do the financial arrangements you made years ago still reflect what you want now?
You may have taken out insurance when your children were young, chosen investments while your income was growing, and made estate plans at a different stage of family life.
Some of those arrangements may still fit. Others may need reviewing because your responsibilities or plans have changed.
At Executive Wealth Solutions, we begin by understanding your current situation and what you want your money to do. We then consider the relevant advice areas together, including retirement, investments and family wealth.
That means a recommendation can take account of the arrangements you already have, with changes explained before you agree to them.
Click the link to speak with us about reviewing your finances as you prepare for retirement.
When you sell a business, what happens to the money that used to support your everyday life?
You may receive sale proceeds, but the regular income you're used to can change as well. Before stepping away, you need to consider what your household will need and how your personal finances could provide it.
Executive Wealth Solutions has helped clients with financial decisions around a business sale. In their client account, Mark and Susan Patterson describe receiving help with the sale process and the way their finances were structured.
Your circumstances will be different. We can discuss how a possible business transition relates to your retirement plans, and involve your accountant or other professionals where their input is needed.
If a business change could affect your retirement, click the link to ask about an initial call.
When your wages stop, where would your retirement income come from?
You might have super and investments outside it, perhaps with money arriving at different times. Your household bills still need paying throughout the year.
Planning for retirement means examining how those sources could work together. We need to understand the spending you expect, when your money may be available and the risks involved in the arrangements you're considering.
Executive Wealth Solutions provides retirement and investment advice that takes your current finances into account. We can help you examine how you could fund life after work, then explain any recommended changes and the reasons for them.
You can start by discussing what you have in place and the questions you still need answered.
For help planning your retirement income, click the link.
How do you know what you're agreeing to when you engage a financial adviser?
At Executive Wealth Solutions, we gather information about your finances and goals before developing proposed strategies. We discuss the work and costs with you, and our engagement agreement sets out the service before you decide to proceed.
Detailed recommendations are then prepared in a Statement of Advice. That's a written explanation of the advice, including the associated risks and costs, which we go through with you before implementation.
You can ask questions throughout. If you don't understand why something has been recommended or what work is included, we want to discuss that with you.
Our first consultation is complimentary. To find out more about getting advice and how the process works, click the link.
You've retired, and now you're thinking about moving closer to family. What would that change in your financial plan?
The new home might cost more or less than the one you're selling. There are moving expenses to consider, and your everyday spending may change too.
Those details can affect what you need from your savings and investments. Even a move you're excited about deserves a look at how the finances would work before you commit.
Executive Wealth Solutions provides ongoing wealth management, including reviews and updates as part of the service agreed with you. We can revisit your circumstances and discuss whether your existing strategy still supports what you're planning.
If you're looking for advice that continues beyond the first recommendation, click the link to get in touch.
If you're approaching retirement, managing a business, or simply trying to make sense of several wealth decisions at once, the hardest part may not be any one decision.
It may be seeing how the decisions fit together.
Investments, superannuation, retirement income, family wealth and a future business transition can each deserve attention. But a decision in one area can change the question in another.
This is a general explanation of the planning conversation. It's not personal financial advice.
Many people begin with a narrow question.
People may ask which investment to choose, what to do with superannuation, when retirement could begin or what a business sale could change.
These are real questions, and they can sit inside a wider financial picture.
Start by understanding your situation, goals, time horizon and connected decisions instead of assuming the answer.
Executive Wealth Solutions begins by understanding your situation and developing proposed strategies. The team discusses those strategies and costs with you, then sets out the service in an engagement agreement before you decide to proceed.
Detailed recommendations follow in a Statement of Advice, which the team discusses with you before implementation. Ongoing review and monitoring are provided as part of the service you agree to.
That sequence gives your planning discussion a shape. It also leaves room for your circumstances, goals and risk profile to determine which parts apply.
The official EWS site publishes a broad planning scope, including wealth creation, retirement planning, superannuation and SMSF, investment selection, estate planning, risk minimisation and wealth management.
For a business owner, the question may also include how a future transition relates to personal wealth and retirement.
The EWS homepage publishes a client account from Mark and Susan Patterson describing support while selling their business, including strategies to minimise taxes and structure their finances.
This is a published client account, not a promise that another person will have the same experience or result.
The point is simpler: if the business is part of your financial life, it can be useful to say so at the beginning of the planning conversation.
Executive Wealth Solutions' current Financial Services Guide describes the firm as a privately owned independent financial service firm providing wealth-management advice on a fee-for-service basis.
The guide describes EWS as privately owned and independent, with no obligation to recommend particular products.
Its fee section explains that scope and fees for advice are discussed for the service and situation.
You can start without a finished plan.
The initial call is complimentary. You can discuss your situation, the type of advice you're seeking and whether the team can help.
Bring the question in front of you.
If retirement is the question, start there.
If the business is part of the question, say so.
If you're trying to connect several decisions, the purpose of the call is to make the next step clearer.
The question worth bringing to the call is how several connected wealth decisions should be considered together. You don't need to turn it into a technical brief before you ask it. A useful starting point is the decision in front of you, the time you have to make it and the parts of your financial position that may be affected.
The review should also leave room for different paths. You may keep working for longer, reduce your hours, change how you invest, help family or adjust what you expect to spend. No projection can predict every future event. Making the assumptions visible helps you see what would need to change if your priorities changed.
It's reasonable to ask what the advice process includes, what information the team needs and how recommendations are explained. You can ask how the proposed work relates to advice you already receive, whether your accountant or solicitor remains involved and what the fees would apply to. Ask those questions during your first planning discussion before you decide whether to proceed.
That first planning discussion can also separate decisions that need action now from decisions that can wait. If every issue is treated as urgent, a plan can't give you a useful order of priorities. A clear plan gives you a way to prioritise, revisit assumptions and understand what the next review is meant to answer.
It should leave you with a better question if the first question turns out to be too broad. That's still progress, because the next decision can be made with a clearer view of the information it actually needs.
You may also wonder whether advice is useful when you already have a super fund, investments or a plan of your own. That depends on the gaps in the current picture. The useful work may be checking whether the arrangements still match the goal, or understanding a decision you've been putting off. You might find that no further work is needed yet. A proper conversation should make that clearer.
The right fit is someone who wants the relevant decisions explained clearly and is prepared to share enough information for the advice to be personal. It won't suit someone looking for a guaranteed return, a product chosen before the circumstances are understood or a financial outcome that no adviser can promise.
If this is the question you want to work through, complete the form below this video and answer it as accurately as you can. Your answers help the team understand what you would like to discuss and whether they can help. Depending on your situation, you may be invited to book a complimentary call with Executive Wealth Solutions.
This video provides general information only. Personal financial advice should take your individual circumstances, objectives and needs into account. The EWS Financial Services Guide and relevant advice documents govern the service and advice relationship.
Thanks for booking a complimentary call with Executive Wealth Solutions.
Most people arrive with one question they want to make clearer. It may be how their investments and super fit with retirement, how family wealth should be considered, or how a business transition connects with their personal finances.
That's where the call starts. Explain the situation as it is, and the adviser can help identify which questions deserve attention and whether further advice may be relevant.
Executive Wealth Solutions publishes a broad planning scope across wealth creation, retirement, superannuation, investment selection, estate planning and wealth management. Scope depends on your circumstances.
An initial consultation is complimentary and carries no obligation. If further advice is suitable, the scope and fee are discussed for the work agreed.
Use the short clips below to think about the question you want to bring to the call.
Investments and superannuation are often the most visible parts of a wealth plan, but they may not be the only decisions affecting the wider picture.
Retirement planning, family wealth, estate decisions, risk and a business transition can raise connected questions when they're part of your situation.
The useful place to begin is the decision you want to make. Once the decision is clear, an adviser can consider which parts of your financial life belong in the same conversation.
The call is a practical place to explain what's happening and work out whether EWS is the right place to take it further.
If you own a business, a future sale, handover or change in involvement may affect more than the business itself.
It can raise questions about personal wealth, retirement, financial structure and the income your future plan needs to support.
You don't need to be ready to sell before asking how the pieces fit. Bring the business question alongside superannuation, investments and family wealth.
The call helps identify the next useful question rather than predict an outcome.
Executive Wealth Solutions publishes its financial advice process.
It begins with understanding your situation and discussing proposed strategies and costs. An engagement agreement sets out the service before you decide to proceed. Detailed recommendations follow in a Statement of Advice, with implementation and ongoing support as agreed.
That process gives the advice conversation a shape without assuming the answer before the details are understood.
If you want to explore fit, start with the question in front of you and bring the information you already have.
Bring the question you most want answered and any information that helps explain where things are.
That may include superannuation or investment statements, details of a business or trust that affects the question, and a rough sense of what you want your wealth to support in the future.
You don't need every document perfectly organised. A clear sentence about the decision in front of you gives the call a useful place to start.
This is general information only. Personal advice needs to take your individual circumstances, objectives and needs into account.
Start with the question you want answered
Preview: A useful call begins with the decision in front of you.
Send: Immediately after booking
Hi there,
Thanks for booking a complimentary call with Executive Wealth Solutions.
Before the call, write down the one financial question you most want to understand. It might be how your investments and super fit together, what needs attention before retirement, or how a future business transition could affect the wider picture.
You don't need to prepare a perfect brief. Bring the situation as it comes. The call can help clarify which questions deserve attention and whether further advice is relevant.
Kind regards,
Executive Wealth Solutions
What belongs in the same wealth conversation?
Preview: Separate accounts can still affect the same financial future.
Send: Day 1, morning
Hi there,
Investments, superannuation, retirement, family wealth and business decisions may be reviewed at different times.
They can still affect the same future. A business transition may raise personal retirement questions. An estate question may change what the family needs to consider. A super decision may sit beside investment and income decisions.
Bring those connections into the discussion. You don't need to solve them before the call.
Kind regards,
Executive Wealth Solutions
If the business changes, what changes for retirement?
Preview: A future business transition can belong in the wider personal wealth conversation.
Send: Day 1, afternoon
Hi there,
If you own a business, the business may be one part of your personal wealth and retirement picture.
That doesn't mean you need to be preparing a sale today. It means the question can be worth naming early, alongside superannuation, investments, family wealth and the income you want your future plan to support.
Start with the question. The next step should be shaped by your actual circumstances.
Kind regards,
Executive Wealth Solutions
What should be clear before advice work begins?
Preview: The process and advice scope deserve a direct conversation.
Send: Day 2, morning
Hi there,
It's reasonable to want to understand the process, scope and cost before committing to ongoing advice.
Executive Wealth Solutions publishes a process that starts with understanding your situation, moves through a financial strategy and Statement of Advice, and then explains implementation and ongoing review where suitable.
The exact scope and fee depend on the work agreed for your situation. Ask the question directly during the call.
Kind regards,
Executive Wealth Solutions
You can begin without a finished plan
Preview: Bring the decision in front of you and work out the useful next step.
Send: The day before the consultation
Hi there,
Before the call, write one sentence that describes what you want to understand.
For example: "I want to know how our business transition could connect with retirement planning." Or: "I want a clearer view of how our investments and super fit into the wider plan."
Bring any relevant information you already have. A rough picture is enough to start the call.
See you soon,
Executive Wealth Solutions
Is the wider wealth picture in view?
Preview: One investment question can sit inside a larger retirement and wealth decision.
Hi there,
A question about an investment can sometimes be connected to superannuation, retirement income, family wealth or a future business decision.
The useful first step is to name the wider question. Then you can work out which information and decisions belong beside it.
Executive Wealth Solutions offers a complimentary call for people who want to explore what deserves attention in their situation.
Kind regards,
Executive Wealth Solutions
What needs to work together before retirement?
Preview: Retirement planning can involve super, investments, income and the wider wealth picture.
Hi there,
Retirement planning isn't only a question about one account balance.
It can involve superannuation, investments, the income you want your plan to support, risk, estate decisions and the wider family picture.
You don't need a perfect forecast to start. A clear conversation about your goals and circumstances can show which questions need deeper advice.
Kind regards,
Executive Wealth Solutions
When the business is part of the retirement plan
Preview: A future business transition can raise personal wealth questions too.
Hi there,
For a business owner, the business can sit beside personal wealth and retirement decisions.
The question may be about a future sale, a change in involvement or simply understanding how the business fits into the wider plan. You don't need to decide on an exit before asking how the pieces connect.
Start with the question in front of you. The next step should follow your circumstances.
Kind regards,
Executive Wealth Solutions
What happens after the call
Preview: EWS publishes a clear path from understanding your situation to ongoing review.
Hi there,
Executive Wealth Solutions discusses your situation, proposed strategies and costs before you agree to proceed. A Statement of Advice follows, with implementation and ongoing support as agreed.
The process gives your planning discussion a shape without assuming the answer in advance.
If you want to explore fit, start with a complimentary call.
Kind regards,
Executive Wealth Solutions
Start with the situation, not a product
Preview: The current FSG explains EWS's independent and fee-for-service model.
Hi there,
The current Executive Wealth Solutions Financial Services Guide describes EWS as privately owned, independent and fee-for-service. It describes the firm as independent of financial institutions and superannuation funds.
Scope and fees still depend on the work agreed for the individual situation. Aim to make the model and next step clear before you commit.
This email is general information only, not personal financial advice.
Kind regards,
Executive Wealth Solutions
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