Family Wealth Advisory

The hardest part of training for Saturday’s race?

It wasn’t the thousands of weighted chin-ups, push-ups and squats.

It was not being able to sit with my sick daughter when she needed me.

My first reaction was simple:

I’ve trained for two years, so I can’t risk getting the flu 6 days out.

So, I chose the race - for about 20 minutes.

And it felt terrible.

So, I went back, gave her a hug, and sat with her.

That moment reminded me of something important:

𝗕𝗶𝗴 𝗴𝗼𝗮𝗹𝘀 𝗮𝗿𝗲 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹.
𝗕𝘂𝘁 𝘁𝗵𝗲𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗻𝗲𝘃𝗲𝗿 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘄𝗵𝗼 𝘆𝗼𝘂 𝗮𝗿𝗲.

Sometimes the challenge is not the event.

It is the decisions the event forces you to make.

#murphchallenge #leadership #fatherhood #discipline #perspective | Michael Bova The hardest part of training for Saturday’s race? It wasn’t the thousands of weighted chin-ups, push-ups and squats. It was not being able to sit with my sick daughter when she needed me. My first reaction was simple: I’ve trained for two years, so I can’t risk getting the flu 6 days out. So...

A successful business is not the same as secure family wealth.

Some business owners build extraordinary companies…
but leave too much of their personal wealth trapped inside them.

They take risks most people never would.
𝗖𝗮𝗿𝗿𝘆 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗳𝗲𝘄 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗿𝘂𝗹𝘆 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱.
And build value against the odds.

Which is exactly why many become conservative with cash in the business.

I see it often:

• strong profits, but little personal wealth outside the business
• too much capital sitting idle
• protection left incomplete
• the business becoming the entire strategy

That’s where the risk quietly builds.

Because cash inside the business can feel safe.

But if trading conditions change, a dispute arises, or the unexpected hits, that capital may be far more exposed than people realise.

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗶𝘀 𝗻𝗼𝘁 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘄𝗲𝗮𝗹𝘁𝗵 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗵𝗮𝘀 𝗰𝗿𝗲𝗮𝘁𝗲𝗱.

It’s how much of that hard-earned value is being converted into protected, personal, long-term family wealth.

That’s where cash flow and capital management matter.

Not just earning well. Extracting well. Structuring well. Investing well.

Done properly, putting capital to work outside the business can actually reduce pressure on the business over time.

Because the owner is no longer relying on one engine to do everything.



𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘪𝘴 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘣𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘠𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘢𝘭𝘸𝘢𝘺𝘴 𝘰𝘣𝘵𝘢𝘪𝘯 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢𝘯𝘺 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴.

#familybusiness #wealthplanning #cashflow #assetprotection #financialplanning | Michael Bova A successful business is not the same as secure family wealth. Some business owners build extraordinary companies… but leave too much of their personal wealth trapped inside them. They take risks most people never would. 𝗖𝗮𝗿𝗿𝘆 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗳𝗲𝘄 𝗽𝗲.....

Your super shouldn’t become your kids’ tax bill.

Most families don’t realise that when super is paid to adult children, 𝘀𝗼𝗺𝗲 𝗼𝗳 𝗶𝘁 𝗰𝗮𝗻 𝗯𝗲 𝘁𝗮𝘅𝗲𝗱 — even after a lifetime of saving and doing the right thing.

The good news?

There are legitimate strategies that may 𝗿𝗲𝗱𝘂𝗰𝗲 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗽𝗮𝗶𝗱 𝗼𝗻 𝘀𝘂𝗽𝗲𝗿 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 and help more of your money stay in the family.

If you’d like advice on whether this is a suitable strategy for you and your family, then please reach out.



𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘪𝘴 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘣𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘠𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘢𝘭𝘸𝘢𝘺𝘴 𝘰𝘣𝘵𝘢𝘪𝘯 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢𝘯𝘺 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴.

#superannuation #estateplanning #taxplanning #financialplanning #wealth | Michael Bova Your super shouldn’t become your kids’ tax bill. Most families don’t realise that when super is paid to adult children, 𝘀𝗼𝗺𝗲 𝗼𝗳 𝗶𝘁 𝗰𝗮𝗻 𝗯𝗲 𝘁𝗮𝘅𝗲𝗱 — even after a lifetime of saving and doing the right thing. The good news? There are legitima...