Estate Planning
Make Sure Your Wealth Goes to the Right People in the Right Way
You’ve spent years building wealth. Estate planning makes sure it’s distributed exactly as you intend, to the right people, structured the right way, with as little lost to tax and delay as possible.
Sound familiar?
If something happened to me tomorrow, I'm not confident my family would be taken care of the way I'd want.
I have a will but I honestly don't know if it still reflects my current situation, it's been years since I looked at it.
I want to make sure my super and insurance go to the right people, but I don't actually know how that works.
Estate Planning That Sits Inside Your Broader Financial Strategy
Most people think of estate planning as something to deal with later. The problem is later has a way of arriving without warning, and an estate that isn’t planned properly can cost the people you leave behind significantly in tax, delays, and disputes. Track Wealth coordinates your estate planning as part of your broader financial strategy. We don’t replace your solicitor but we work alongside them to make sure your financial structure, your super, your insurance, and your investment holdings all reflect your intentions.
Because the way assets are owned and structured has a significant impact on how they’re distributed, and most people have never had that conversation with anyone.
- Estate planning review integrated with your financial strategy
- Superannuation beneficiary nominations reviewed and updated
- Insurance payout structuring to ensure proceeds reach the right people
- Coordination with your solicitor on wills and powers of attorney
- Trust structure review for tax-effective wealth transfer
- Testamentary trust advice for clients with dependants or complex estates
Estate Planning Advice That Covers Every Angle
Superannuation Beneficiary Nominations
Insurance Beneficiary and Ownership
Testamentary Trust Advice
Asset Ownership Review
Coordination With Your Solicitor
Not sure if your estate plan still reflects your situation?
How We Approach Estate Planning
Review What You Have
We start by understanding your current position: what you own, how it’s held, what nominations are in place, and whether your existing documents still reflect your intentions.
Identify the Gaps
We identify where assets may not transfer as intended, where tax could be minimised, and where your financial structure and legal documents are not aligned.
Coordinate the Strategy
We develop a clear estate planning strategy and coordinate directly with your solicitor to make sure your financial structures, beneficiary nominations, and legal documents all work together.
Make Sure the People You Love Are Taken Care Of
One conversation is all it takes to identify whether your current estate plan reflects your intentions and what needs to change.
You Have Significant Assets and Want to Make Sure They Go Where You Intend
The more you’ve built, the more important it is that your estate plan is current, structured correctly, and coordinated across every asset you hold.
High-net-worth individuals often have assets spread across multiple structures: personal holdings, trusts, super, investment properties, and business interests. Without proper coordination, the estate outcome can look very different from what was intended.
- Full asset ownership review across all structures
- Beneficiary nominations reviewed and updated across super and insurance
- Testamentary trust assessment for complex or high-value estates
- Coordination with solicitor and accountant on the full picture
You Have Young Children and Want to Know They Would Be Provided For
If you have young children, estate planning takes on a different dimension entirely. It’s not just about distributing assets: it’s about making sure the right people are in control, the right structures are in place, and your children are provided for in the way you would want.
A testamentary trust can protect assets left to minors, reduce the tax they pay on income generated from those assets, and give you control over how and when they receive what you’ve left them.
- Testamentary trust advice for estates with minor beneficiaries
- Guardianship and trustee considerations coordinated with your solicitor
- Life insurance structured to fund the trust on death
- Review of superannuation nominations to align with estate intentions
You Own a Business and Haven't Thought About What Happens to It
A business adds significant complexity to an estate. Who takes over? How is it valued? How do you prevent it from being sold under pressure at the wrong time? How do you treat business-owning and non-business-owning beneficiaries fairly?
These are questions that need answers before they’re needed, not after. Track Wealth works with business owners to make sure their business succession intentions are reflected in their estate plan and financial structure.
- Business succession planning coordinated with estate intentions
- Buy-sell agreement review and life insurance funding strategy
- Asset ownership review across business and personal structures
- Coordination with your accountant and solicitor on the full picture
Your Circumstances Have Changed and Your Estate Plan Hasn't Kept Up
A will written five years ago may not reflect who you are today. Marriage, divorce, new children, new assets, a business sale, a change in family relationships: any of these can make an existing estate plan inadequate or even counterproductive.
- Trigger-based review on major life events
- Super and insurance nominations updated to reflect current intentions
- Direct communication with your solicitor to keep documents current
We Coordinate Your Estate Plan With Your Full Financial Strategy Not in Isolation
Estate planning that sits separately from your financial strategy rarely delivers the right outcome. The way your assets are owned, how your super is nominated, and how your insurance is structured all affect what happens when you’re no longer here.
Track Wealth makes sure every piece is aligned: your financial structure, your legal documents, your super, and your insurance, coordinated so the people you care about receive what you intend, the way you intend it.
Integrated With Your Financial Strategy
We review estate planning as part of your broader financial position, not as a separate exercise. Everything is coordinated.
Working Alongside Your Solicitor
We communicate directly with your solicitor to make sure your financial structures and legal documents are telling the same story.
Proactive on the Complexity
Super, insurance, trusts, business interests: we understand how these interact in an estate context and make sure each one is structured correctly.