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.
What Sets Us Apart
- 10+ Years advising
- 5.0 / 5.0 Google rating
- CPA Certified Practising Accountant
Expert Advice Built for the Way Your Family Works
Wealth & Retirement Planning
- Build a strategy
- Model your timeline
- Make work optional
Investment Advice
- Make your money work harder
- Build wealth beyond your super
- Structures suited to your income level
Tax Planning & Minimisation
- Protect your income
- Make sure your family would be okay
- Honest advice, not a sales pitch
Tax Planning & Structures
- Reduce what the household pays in tax
- Dual income strategies that work
- Smarter structures for growing families
Your Time Is Valuable.
We Make Every Dollar Count.
Driving Results Through Strategy.
Meet Leigh Smith
- Director, Track Wealth
- CPA & SMSF accredited
- 10+ years specialist advice
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
Tailored Strategy
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
Full Coordination
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
Unlimited Access
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
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
Super Optimisation for Both Partners
Cash Flow Mapping
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
Estate Planning with Children
Life and TPD Cover
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
Education and School Fee Planning
Investment Strategy for Growing Families
Trusted by High-Income Families. Proven by Results.
Years of Experience
Qualified
Access
Google Rating
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.
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.
We're paying private school fees, can you factor that in?
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.
We want to help our kids buy a property one day
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.
Are your fees tax deductible?
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.