Family Financial Advisor

Grow your Wealth.
Enjoy your life.
Make work optional.

Running a family on a high income is more complex than most financial advisors account for. Track Wealth works with high-income professional families who want a strategy that funds the life they want today and the future they're building for tomorrow.
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What Sets Us Apart
  • 10+ Years advising
  • 5.0 / 5.0 Google rating
  • CPA Certified Practising Accountant
Expert Advice Built for Families

Expert Advice Built for the Way Your Family Works

We understand how high-income professional families earn, how they're taxed, and what it takes to build serious wealth while raising a family and living the life you want.

Wealth & Retirement Planning

  • Build wealth alongside family life
  • Know when work becomes optional
  • Live well today and plan for later
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  • Take control now
  • Invest beyond super
  • Expert setup & strategy

Investment Advice

  • Make your money work harder
  • Build wealth in the right structures
  • Coordinated for both partners
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Wealth Protection & Insurance

  • Protect your income
  • Make sure your family would be okay
  • Honest advice, not a sales pitch
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Tax Planning & Structures

  • Reduce what the household pays in tax
  • Dual income strategies that work
  • Smarter structures for growing families
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Your Time Is Valuable.
We Make Every Dollar Count.

Real Client Result
$2.4M
Combined super achieved in 4 years from $1.2M through a coordinated retirement and investment strategy.
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Meet Track Wealth

Driving Results Through Strategy.

Track Wealth was built for one type of client: the high-income professional who has worked hard to get where they are and wants to make sure their money is working just as hard. For families, that means advice that looks at the full household picture both incomes, the mortgage, the kids, the school fees, the insurance, and the estate plan and builds a strategy that coordinates everything rather than addressing one piece at a time.
Meet Leigh Smith
  • Director, Track Wealth
  • CPA & SMSF accredited
  • 10+ years specialist advice
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Proactive Advice

We don’t wait for you to come to us. We monitor legislation changes, investment performance and your personal circumstances so your strategy stays ahead, not behind.

  • Identify opportunities before you ask
  • Stay ahead of tax and legislative changes
  • Coordinate with your accountant, lawyer and broker

No two families have the same financial position. Whether you’re a dual-income professional couple, a single high-income earner, or a business-owning family, we build strategies around how your household actually works not a generic family plan.

  • Super contributions optimised for both partners
  • Tax strategy built around your combined household income
  • Cash flow mapped to fund both lifestyle and wealth building

Your finances don’t exist in silos. We coordinate across your super, investments, tax, insurance and estate plan and work directly alongside your accountant and other advisors so nothing falls through the cracks.

  • One strategy that covers every area of your household finances
  • Direct communication with your existing advisers
  • Estate planning reviewed and updated to reflect your family position

Life with a family moves fast. Our clients have direct access to Leigh throughout the year by phone, email or meeting whenever something comes up that needs a conversation.

  • No waiting for a scheduled review to get an answer
  • Direct access to your adviser, not a call centre
  • A genuine sounding board on financial decisions big and small

Find the Right Solution for Your Situation

Two good incomes should mean serious wealth building. But for most dual-income professional families, the reality is different the mortgage is large, the costs of raising kids are significant, and by the time everything is paid for, the surplus available for investing is smaller than it should be. Usually the problem isn’t the income. It’s the structure. Tax is too high, super isn’t optimised across both partners, and the cash flow hasn’t been mapped to find what’s actually available.

Household Tax Strategy
Two incomes attract more tax but also more opportunity. We identify every legitimate strategy to reduce what the household pays, from salary sacrifice and spousal contributions to investment structures and debt recycling.
Super Optimisation for Both Partners
Most couples have a significant imbalance between their super balances. We build a contribution strategy that grows both balances, equalises them over time, and reduces tax in the process.
Cash Flow Mapping
We map every dollar coming in and going out identifying what's available for wealth building and redirecting it toward super, investment, and debt reduction.

Having children changes everything about how you need to think about insurance and estate planning. It’s no longer just about protecting your income it’s about making sure that if you’re not here or can’t work, the people who depend on you are genuinely taken care of.

Most families with young children either have inadequate cover, have never reviewed it since taking it out, or have never properly set up their estate plan to reflect that they now have kids.

Income Protection for Both Partners
We review cover for both partners making sure the level, structure, and ownership is right for your family's actual financial obligations.
Estate Planning with Children
We coordinate your estate plan to reflect your current family position wills, guardianship, testamentary trusts, and beneficiary nominations updated to protect your children.
Life and TPD Cover
We calculate the right level of cover based on your mortgage, your income, your dependants, and what it would actually cost to protect your family if the worst happened.

One of the most common things we hear from high-income families is that they feel guilty spending money on travel and experiences because they’re not sure if they can afford to. A good financial strategy removes that guilt entirely. When you know exactly how much is allocated to lifestyle and how much is going to wealth building, you can spend freely on the things that matter because the future is already being taken care of.

Lifestyle and Wealth Balance
We build strategies that make room for travel, school fees, and the things your family enjoys alongside serious wealth building. Not instead of it.
Education and School Fee Planning
We map the cost of private schooling into your financial strategy so it's planned for and funded not just absorbed at the expense of everything else.
Investment Strategy for Growing Families
We build a coordinated investment strategy across super, personal investments, and trust structures so your household income is building wealth in the right places at the right time.
Our Clients

Trusted by High-Income Families. Proven by Results.

We work with high-income professional families at every stage from those building wealth alongside young kids to those approaching retirement with adult children and an estate to plan.
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10+
Years of Experience
A decade advising Brisbane's high-income professionals and high-net-worth families.
CPA
Qualified
Leigh holds CPA accreditation alongside SMSF and Tax Financial Adviser credentials giving clients confidence in the quality and breadth of advice they receive.
Unlimited
Access
Every client has direct access to Leigh throughout the year not just at review time. Phone, email, or meeting whenever something comes up.
5/5.0
Google Rating
Rated 5 stars by every client who has reviewed us on Google.
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FAQ's

Questions Families Ask Before Getting Started

The answers to the questions we hear most often from high-income families before they decide to work with us.

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Can you build a strategy around two incomes?

Yes. Dual-income households have more complexity and more opportunity than single-income households. We look at both incomes, both super balances, and the household tax position together and build a strategy that optimises across all of it. Most dual-income couples we work with find the household is paying more tax than it needs to and building less super than it could.

Yes. Education costs are one of the largest and least planned-for expenses for high-income families. We build school fees into your cash flow strategy so the cost is managed and funded alongside your wealth building not treated as an unexpected hit each term.

This is one of the most common goals we hear from parents in their 40s and 50s. We build strategies that make it possible to support the next generation without compromising your own retirement using the right structures and timing, with the full picture considered before any commitments are made.

In many cases, yes. Ongoing financial advice fees relating to the management of investments and income-producing assets are generally tax deductible. We confirm what applies to your specific situation and coordinate with your accountant to make sure they’re claimed correctly.

Get in Touch

Change Starts With a Conversation

Ready to get your finances sorted?
Fill out the form and we'll be in touch within one business day.
Call us at:

0478 219 115

Visit us at:

Level 2, 87 Ipswich Rd, Woolloongabba QLD 4102

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