Wealth Management

Carbon Wealth helps you secure a brighter financial future.

If you’ve felt overwhelmed trying to figure out the best starting point for managing your personal finances, and how to plan long-term for your financial future, then you are not alone.

Money skills are not taught in school and setting yourself up correctly can save you a huge headache in the future. There are many areas to consider, such as income protection, reducing debt, understanding investments, managing your superannuation, selecting life insurance or retirement planning.

The good news is Carbon Wealth Management can help. We’re a team of financial planners who will not only help you set up financial strategies and plans to achieve your goals, but we’ll walk the journey with you.

There are many areas to consider when planning a financial strategy. Here are the top six aspects we believe you should be thinking about, and that we can help with.

Upwards arrow and cash
Risk management

Protect yourself, your family, your business, and everything you care about. This can include life insurance, income protection insurance, and more.

Cash in hand
Debt management

Paying off your mortgage, loans and debts early opens the door to new opportunities to create financial independence.

Cash plant
Investment planning

A smart way to create passive income for the future and enhance your desired lifestyle, investment planning will pay off in the long run.

Cash and chair
Retirement planning

The best time to start preparing for your financial future is right now. Planning for retirement early will help you retain your current lifestyle in the future.

Faces and cash
Succession planning

It can take a lifetime to build a business and accumulate wealth.
Succession planning can provide certainty that this will pass to your loved ones.

Wealth management form
Estate planning

At a time when your loved ones are grieving, don’t leave them with additional hurdles to overcome. Estate planning involves more than an up to date will.

Create a financial plan that works with you

Throughout our lives, our personal financial needs and goals change. By working with a financial planner, you can create and follow financial strategies that will help you achieve your financial goals.

Once you have a plan in place, you’ll enjoy the peace of mind that comes from knowing your finances are working with you, and you’re on track to be secure financially.

Man calculating personal finances

Calculate your personal wealth health check.

Take control of your finances with a personal wealth portal

Securing your financial future made easy, say hello to your financial world’s new command centre. Set yourself up for success with the portal’s powerful organisation, analytics, and collaboration tools.

Keep your finances organised

Connect all of your finances in the one place, from your bank accounts to loan repayments to insurance, properties and estate planning.

Track your spending, create new habits

Make managing your spending easy with live bank feeds and budgeting features to keep track of your spending and your savings goals.

Reach your financial goals

From property investment targets to your dream retirement, we can recommend tools to help you achieve these goals.

We can help make your finances work for you

Find out more about how we can help your finances work for you.

Download our eBook for free!

Wealth - eBook - MP launch

Frequently Asked Questions

We’re all on our unique journey in life and our financial road is no different. Often, decisions we make now affect our financial future, without us really being aware of the consequences. A financial planner can provide structure and guidance surrounding your financial decisions, helping you to work towards a clearer, more secure, financial future.

As a minimum, your financial planner should be contacting you on an annual basis. If your situation changes throughout the year, for example, your income changes, you are considering purchasing a new house, or you are looking at investment opportunities, you should speak to your financial planner before you make these decisions. Your financial planner will help you understand what these changes may mean for your financial future.

Nobody is exempt from life’s unforeseen events. No matter what your age, health or lifestyle, the unexpected can happen to anybody. Life insurance can give you and your peace of mind that you’re covered in the event of serious injury or death.

The cost of life or personal insurance varies depending on your personal circumstances and levels of cover required. It’s best to speak with a financial planner who will assess your situation and recommend a policy that best fits your needs and matches your personal goals.

Considering the way your policies are structured is important, as different structures may have different tax implications. Policies can be structured in a way to achieve certain tax outcomes in the event of a claim. Your financial planner will talk you through this during the advice process.

Estate planning is how you can ensure your assets pass onto your nominated family members in the most financially efficient and tax-effective way possible. Estate planning is more than just a will and includes other important documents like Enduring Power of Attorney, Advance Medical Directive and a Living Trust. Once you have your estate plan in place, you should review it yearly as life and circumstances can change.

You wouldn’t buy a house or car without insuring it, so why don’t we always do the same for our life and income?

There are four common personal insurances, but some add a fifth.

  1. Life insurance
  2. Total and permanent disability (TPD) insurance
  3. Critical illness insurance
  4. Income protection insurance
  5. Business expense insurance

Coverage varies between insurers, so seek professional advice when comparing the fine print.

The answer depends on who you ask. Some will say $1 million is the gold standard, but we don’t agree. The ideal amount for you depends on your retirement goals, individual situation, resources and lifestyle.

For most of us, our money comes into one bank account and is spent from that same account, and we don’t put much thought into in long-term savings strategy. If you’d like to have a solid financial future to better position yourself when unforeseen circumstances occur, then you should work with a financial planner on your cash flow plan.

A financial planner will review your spending, income and savings goals and create a strategy on how your money should be spent. They will also help set up your bank accounts so the whole process is seamless.

Contact us today Book a free consultation

Contact us today and find out how our Wealth Management team can help you.

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    DISCLAIMER
    Carbon Group Wealth Pty Ltd ABN 27 651 743 734, CAR  001292171 is authorised to provide financial advice through Insight Investment Services Pty Ltd ABN  22 122 230 835  AFSL 309996 This website and any documents contain general advice only. You need to consider with your financial planner, your investment objectives, financial situation and your particular needs prior to making an investment decision. Please read our current Financial Services Guide (FSG) which can be found here. Please also read our current Privacy Policy which can be found here. Please click on the following Adviser if you’d like to see their Adviser Profile: Blair Milne, Robert Rush, Mark Edwards and Jamie Tonus.

    A local team dedicated to your business.

    Blair Milne - Carbon Group
    Blair Milne
    MA (Hons) ADFP AFP®
    DIRECTOR
    Wealth Management
    Blair Milne
    DIRECTOR
    Blair joined Carbon in 2022 and launched our Wealth Management division in Brisbane. For Blair, being able to help his clients see their goals come to fruition is the most fulfilling component of what he does. Outside of work, he enjoys running, cycling or playing footy.
    Rob Rush - Carbon Group
    Robert Rush
    -
    DIRECTOR
    Wealth Management
    Robert Rush
    DIRECTOR
    With a rich history spanning over 50 years in financial services, Robert brings extensive experience from his time as a Senior Executive and Director in banking to the Carbon Brisbane team. His profound knowledge spans lending, investing, business and risk management. A passionate target shooter, Robert has represented both his state and country. His weekends involve a Saturday sleep-in and spending time with his grandkids.
    Jamie Tonus - Carbon Group
    Jamie Tonus
    BCom GradDipFP
    FINANCIAL PLANNER
    Wealth Management
    Jamie Tonus
    FINANCIAL PLANNER
    With seven years of experience, Jamie brings a wealth of knowledge to our team. He holds a Bachelor of Commerce and Graduate Diploma in Financial Planning and has experience as Compliance Analyst. This experience has helped him in providing ethical advice to clients. His perfect weekend includes a morning cycle or dog walk, coffee with friends and watching the West Coast Eagles, his favourite team in the AFL.
    Mark Edwards - Carbon Group
    Mark Edwards
    BCom DFP CFP®
    FINANCIAL PLANNER
    Wealth Management
    Mark Edwards
    FINANCIAL PLANNER
    Mark Edwards has worked in financial services since 1999 and values the friendships he has formed with clients over the years. He has a Bachelor of Commerce in Property and Finance, a Diploma of Financial Planning and is also Certified Financial Planner (CFP). In his free time, Mark enjoys windsurfing and spending time with his family, and will soon give wood carving a crack.
    Karen Jonas - Carbon Group
    Karen Jonas
    DFP
    PARAPLANNER
    Wealth Management
    Karen Jonas
    PARAPLANNER
    With a Bachelor of Commerce (Hons), Karen started her career in investment banking. After 7 years in finance and a break to have kids, Karen transitioned to financial planning and has been a paraplanner for over 15 years. Outside of work, you'll find Karen planning her next overseas adventure, enjoying live music or catching up with friends over a good cup of coffee.
    Danielle Berry - Carbon Group
    Danielle Berry
    -
    CLIENT SERVICES MANAGER
    Wealth Management
    Danielle Berry
    CLIENT SERVICES MANAGER
    Danielle's 15-year finance journey, from banking to aspiring financial adviser, reflects her deep understanding of industry regulations and client services. Relocating from Sydney to Brisbane in 2022, she joined Carbon Wealth Management, fuelled by the thrill of helping clients achieve financial freedom. Passionate about musical theatre and snowboarding, Danielle enjoys long mountain road drives and getting lost in musical theatre.
    Drew Stacey - Carbon Group
    Drew Stacey
    -
    CLIENT SERVICES OFFICER
    Wealth Management
    Drew Stacey
    CLIENT SERVICES OFFICER
    Having graduated high school in 2023, Drew joined our Wealth Management team in early 2024 as a Client Services Officer. He is currently studying a Bachelor of Commerce, majoring in Finance. Drew loves helping clients achieve their financial goals and finds great satisfaction in his role. Outside of work, he enjoys going out with friends, especially to the beach on hot weekends.
    Roxanne Laugesten - Carbon Group
    Roxanne Laugesen
    -
    CLIENT SERVICES OFFICER
    Wealth Management
    Roxanne Laugesen
    CLIENT SERVICES OFFICER
    With a decade in wealth management post-parenting break, Roxanne has extensive experience, spanning large and small firms. Proficient in multiple platforms, she handles modest to HNW clients, excelling in complex structures and SMSFs. Her strength lies in client service and strategic advice, enriching client interactions and adviser support. Outside work, she leads a healthy life, enjoys family time and cooking.

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    Carbon Group have been an awesome investment to our business. Their staff are super friendly and extremely helpful and their knowledge in cost savings first class.

    Waterwise Landscaping

    Carbon have assisted us to become more in touch with our business' progress as it has grown and developed.

    The House of Honey

    Our experience with Carbon has been fantastic. Our bookkeeping costs are the same each week which is great as we were hourly before and the fluctuation was hard to track.

    Cherratta Lodge

    I have confidence in Carbon to complete our work to a high standard and deliver work on time.

    Capital Brewing Co

    Since starting with Carbon Group, not only do I have a much better overall understanding of my business, but more free time to actually carry out the work required.

    Edwards Electrical and Solar

    We have been impressed with Carbon ever since we changed over. We love how there is a seamless integration of the accounting department and the bookkeeping departments.

    Compose Photography

    Carbon is an integral part of our support network for achieving our organisation’s mission. We continually receive knowledgeable, timely and generous assistance from the bookkeeping team.

    Erin, Perth City Farm

    Fantastic serves, staff and very friendly. I would 100% recommend to anyone wanting a great accountant.

    Sam Madden

    Carbon Group are an amazing company and they certainly know what they're doing. Great staff, friendly and prompt service. I will recommend them to anyone!

    Nick Jones

    Carbon Group has helped reduced our bookkeeping and accounting costs by 50%.

    Waterwise Landscaping
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