Financial Advisor for Business Owners

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

You've built a successful business. Track Wealth helps business owners across Brisbane and Queensland build the personal wealth to match it with strategies that separate what you've built from what you own, and give you a clear path to financial independence beyond the business.
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What Sets Us Apart
  • 10+ Years advising
  • 5.0 / 5.0 Google rating
  • CPA Certified Practising Accountant
Our Services

Expert Advice Built for Business Owners

We understand how business owners earn, how they're taxed, and what it takes to build serious personal wealth outside a business that consumes everything you put into it.

Wealth & Retirement Planning

  • Build a strategy
  • Model your timeline
  • Make work optional
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Investment Advice

  • Make your money work harder
  • Build wealth beyond your super
  • Structures suited to your income level
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Tax Planning & Minimisation

  • Keep more of what you earn
  • Smarter structures for business income
  • Proactive advice before year end
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Self Managed Super Funds

  • Take control now
  • Invest beyond super
  • Expert setup & strategy
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Your Business Is Your Asset.
Your Wealth Should Be Bigger Than It.

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 or business owner who has worked hard to get where they are and wants to make sure their money is working just as hard. For business owners, that means advice that understands the complexity of business income, the risk of having personal wealth concentrated in a single entity, and the importance of building something real outside the business before it's too late.
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 business owners have the same financial position. Whether you’re distributing through a trust, paying yourself a salary, or reinvesting everything back into the business, we build strategies around how your money actually works — not a template applied to everyone.

  • Super and investment strategy built around your income structure
  • Tailored advice to keep more of your hard earned money
  • Retirement modelling based on your actual lifestyle and timeline

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

  • One strategy that covers every area of your finances
  • Direct communication with your existing advisers
  • Nothing missed at the intersection of tax and financial planning

Business doesn’t follow a schedule. Our clients have direct access to Leigh throughout the year by phone, email or meeting whenever a decision comes up that needs a second opinion or a financial perspective.

  • No waiting for a scheduled review to get an answer
  • Direct access to your adviser, not a call centre
  • Proactive contact from us when things change

Find the Right Solution for Your Situation

A common pattern among business owners is reinvesting all profits back into the business, often at the expense of personal wealth building. At some point, it’s essential to diversify your financial exposure beyond your business and establish a separate wealth strategy your business is one asset, not a complete financial plan.

Wealth Building Outside the Business
We build a personal investment strategy that runs alongside the business super, shares, property, and managed fundsso your wealth isn't entirely dependent on what the business is worth on the day you sell it.
Super Contribution Strategy
Business owners often neglect super entirely in the early years. We build a contribution strategy around your business income whether that's salary sacrifice, personal deductible contributions, or trust distributions to build your balance efficiently.
Business Exit and Succession Planning
We work alongside your accountant and lawyer to identify any tax concessions that may be available, and make sure the proceeds from the sale are put to work in the smartest way possible to fund your retirement
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Business owners are often the most over-taxed not because of anything they’re doing wrong, but because the structure hasn’t been reviewed since the business was small, and nobody has looked at how the business income, the personal income, and the investment structures all interact.

A good tax strategy for a business owner isn’t just about the return. It’s about how income flows through the structure, how distributions are made, and how every entity in the picture is working together.

Business Income Structuring
We review how income flows through your business structure whether that's a company, a trust, or a combination and identify the most tax-effective way to distribute it to you personally.
Trust Distribution Strategy
If you distribute through a family trust, we build a distribution strategy that minimises the overall tax paid by the family group coordinated with your accountant ahead of each financial year.
Debt Recycling
If you're carrying a home loan alongside business debt, debt recycling can convert non-deductible personal debt into tax-deductible investment debt freeing up capital and reducing your effective tax burden.
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Most business owners have a rough idea of when they’d like to exit but no clear picture of what that actually looks like financially. What will the business sell for? Will it be enough? What structure should the proceeds go into? What does retirement income look like without a business generating cash flow?

Track Wealth builds the financial picture around your exit so you know exactly what you’re working toward and what needs to happen between now and then.

Retirement Income Modelling
We model your retirement position across multiple scenarios — with and without a business sale, at different exit valuations, and at different timelines so you have a clear picture of where you stand.
Pre-Exit Wealth Building
The years before a business exit are critical. We make sure your super, investments, and personal wealth are as strong as possible before the sale so you're not entirely dependent on the exit price.
Post-Sale Capital Strategy
When the sale settles, how you deploy the proceeds matters enormously for tax, for investment, and for your retirement. We build the post-sale strategy well before the sale so it's ready to execute when the time comes.
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Our Clients

Trusted by Business Owners. Proven by Results.

We work with business owners at every stage from those still growing the business to those preparing to exit who need advice that understands the intersection of business and personal finance.
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.
FAQ's

Questions Business Owners Ask Before Getting Started

The answers to the questions we hear most often from business owners before they decide to work with us.

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My income varies a lot year to year can you still build a strategy around that?

Yes. Variable income is one of the most common challenges for business owners and one of the things we’re most experienced at working around. We build strategies that account for strong years and lean years maximising what goes into super and investments when income is high, and structuring things so the plan stays on track when it isn’t.

Yes. Purchasing commercial property through a Self Managed Super Fund is one of the most effective strategies available to business owners paying rent to yourself, building equity in the fund, and holding the asset in a tax-effective structure. We advise on whether it makes sense for your situation and manage the setup and compliance if it does.

We work directly alongside your existing accountant. We share strategy documentation, coordinate on tax planning ahead of year end, and make sure the financial advice and the tax advice are consistent. For business owners, this coordination is especially important the intersection of business and personal finance is where the most opportunities and the most risks tend to sit.

Yes. We integrate your business exit into your broader retirement and investment strategy including how to structure the sale, how to deploy the proceeds, and what the financial picture looks like before and after the transaction. We work alongside your accountant and solicitor on the detail.

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.

Track Wealth is designed for established business owners and high-income earners, or people close to retirement who have built significant wealth and want to partner with the right team to help navigate their financial future. We work with a select group of clients. If you think you might be a good fit, we’d love to have a conversation.

Get in Touch

Change Starts With a Conversation

Ready to get your finances sorted?
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Call us at:

0478 219 115

Visit us at:

Level 2, 87 Ipswich Rd, Woolloongabba QLD 4102

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