Financial Advisor for High Income Professional Couples

Two Good Incomes.
One Coordinated Strategy.

Most high-income couples earn well but feel like they're not getting ahead as fast as they should. Track Wealth builds strategies around both incomes reducing what the household pays in tax, growing both super balances, and making sure every dollar is working toward the same goal.
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What Sets Us Apart
  • 10+ Years advising
  • 5.0 / 5.0 Google rating
  • CPA Certified Practising Accountant
Expert Advice Built Around Both of You

Expert Advice Built for High Income Couples

Two incomes mean more complexity and more opportunity. We make sure both are accounted for in one coordinated strategy.

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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Wealth Protection & Insurance

  • Protect your income
  • Reduce your premiums
  • Cover what matters
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Self Managed Super Funds

  • Take control now
  • Invest beyond super
  • Expert setup & strategy
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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 high-income couples, that means advice that looks at the full household picture both incomes, both super balances, the mortgage, the investments, and the tax position and builds a strategy that optimises everything together rather than 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 couples have the same financial position. Whether you’re both in professional careers, one of you runs a business, or your incomes are significantly different, we build strategies around how your household actually works.

  • Super and investment strategy built around your income structure
  • Tax planning to keep more of what you own and grow your wealth
  • Retirement modelling based on your actual lifestyle and timeline

Your finances don’t exist in silos. We coordinate across both super balances, your 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 finances
  • Direct communication with your existing advisers
  • Nothing missed at the intersection of tax and financial planning

Life moves fast when you’re both building careers. 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
  • Proactive contact from us when things change

Find the Right Solution for Your Situation

Two high incomes attract more tax but also more opportunity. Without a proactive household tax strategy, a significant portion of what you earn together goes to the ATO rather than toward your goals. Most high-income couples are paying more tax than they need to simply because nobody has looked at the full household picture and built a strategy around it.

Household Income Structuring
We review how both incomes are received and structured identifying where salary sacrifice, trust distributions, or investment structures can reduce what the household pays overall.
Spousal Super Contribution Strategy
If one partner earns significantly more than the other, spousal contributions and income splitting strategies can equalise your super balances and reduce your combined tax position at the same time.
Debt Recycling
If you're carrying a home loan, debt recycling converts non-deductible mortgage debt into tax-deductible investment debt one of the most impactful strategies available to dual-income households with surplus cash flow.

Most couples arrive at Track Wealth with a significant imbalance between their super balances one partner has been contributing consistently, the other has had career breaks, part-time periods, or simply hasn’t prioritised it. Left unaddressed, that imbalance costs you both in tax and retirement income. We build a super strategy that grows both balances, closes the gap, and makes sure the household is positioned as efficiently as possible for retirement.

Super Balance Equalisation Strategy
We identify the most effective way to grow the lower balance whether that's spousal contributions, salary sacrifice adjustments, or catch-up contributions and integrate it into your broader household strategy.
Contribution Maximisation for Both Partners
We maximise concessional and non-concessional contributions across both super accounts ensuring every dollar going in is doing the most it can for the household's retirement position.
SMSF Assessment for Couples
For couples with the right combined balance and investment interests, a Self Managed Super Fund can provide significantly more control and flexibility. We assess whether it makes sense and set it up correctly if it does.

Two incomes should mean serious wealth building. But for most high-income professional couples, the reality is different the mortgage is large, the lifestyle costs 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. Track Wealth maps the full household cash flow, identifies what’s available, and redirects it toward the things that actually build wealth.

Household Cash Flow Mapping
We map every dollar coming in and going out across both incomes identifying where surplus is sitting unused and where a reallocation could make a meaningful difference to your wealth building.
Investment Strategy for Two
We build a coordinated investment strategy across both super balances, personal investments, and any trust or company structures — so every asset is working toward the same outcome.
Retirement Timeline Modelling
We model your retirement position across multiple scenarios showing you what's possible now, what a few adjustments could unlock, and whether you're on track to retire when you want.
Our Clients

Trusted by High Income Professional Couples. Proven by Results.

We work with high-income professional couples at every stage from those in their early 40s building serious wealth for the first time, to those in their 50s making final preparations for retirement together.
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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 High Income Couples Ask Before Getting Started

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

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We both have separate financial advisors — should we consolidate to one?

For most high-income couples, having one advisor who looks at the full household picture produces significantly better outcomes than two advisors working in isolation. The tax strategies, super contributions, investment structures, and insurance decisions all interact and they’re only optimised properly when someone is looking at everything together. We work with both partners as a household, not as two separate clients.

Yes, and usually in your favour. An income imbalance creates specific opportunities spousal super contributions, income splitting, and investment structuring that directs income toward the lower-earning partner that can significantly reduce your combined tax position and equalise your retirement outcomes. We identify and implement all of these as part of your household strategy.

This is more common than most people think. We model both retirement timelines separately and together showing what the household position looks like if one partner retires first, how the income and drawdown strategy changes at that point, and what needs to happen between now and then to make both timelines achievable.

We advise on property as part of a broader household investment strategy — including whether to buy, hold or sell, how to structure property debt across both names or entities, and how investment properties interact with your combined tax position and retirement timeline.

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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