Financial balance for business owners

We specialise in helping:

Professional services
Pharmacists
Medical businesses
Trades

Running a thriving business takes relentless drive and commitment. But pouring everything into your company means personal finances often end up on the back burner.

You've built something incredible. Now it's time to channel that same fire into your personal wealth.

You want assurances that your family is protected no matter what happens with the business.

You want to minimise tax and build wealth in the most efficient ways possible.

And you want clarity on your path to financial freedom beyond the business.

At Lume Wealth, we help you organise, grow and protect your wealth and become your sounding board for big money decisions impacting both your business and personal worlds.

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Clarity

Get control of all aspects of your wealth, take advantage of available opportunities and look ahead with confidence.

Stability

Get off the entrepreneurial emotional rollercoaster by optimising your personal financial life.

Sanity

Knock that money monkey off your back, so you can focus on growing your business and living your life.

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How we help business owners who want to accelerate their wealth

Balance business and personal

Your business finances and personal lifestyle goals don't live in separate bubbles. Let's structure things in balanced ways so your whole life feels secure, not just the business.

Structure your assets effectively

Legally minimise taxes and safeguard your wealth by optimising asset ownership structures. Our expertise ensures you maximise protections for both your business and personal estate.

Protect your lifestyle

Life brings surprises like job loss, illness, lawsuits. We'll build emergency savings, income streams, and insurance to create a financial safety net. So your family stays secure no matter what comes.

Sort out your super

Let's optimise your Superannuation investments and strategy. We can advise if a Self-Managed Super Fund makes sense for greater control and tax advantages as your wealth grows.

Get debt working for you

Debt doesn't have to weigh you down. We'll advise how to best leverage and structure business loans and accounts to improve cashflow and minimise interest costs.

Invest For Your Future

Let’s look ahead and lay down the tracks for a comfortable, enjoyable future with investment strategies that align with your goals and sleep-at-night factor.

Structure your assets and minimise tax

Legally safeguard more of your hard-earned money from the taxman through proactive ownership structuring and wealth protection strategies. We'll ensure you maximise what you get to keep.

Give your kids a boost

As a parent, you want to see your children thrive. Let's develop a plan to give your kids an extra advantage in life, whether it's assisting with education costs, helping with a house deposit, or setting up a trust.

Inheritance advice

Inheriting wealth stirs up complex emotions and financial questions. But with our guidance, we'll make this transition smooth for all involved. We have extensive experience advising both those receiving an inheritance and families transferring wealth to the next generation.

Plan for life after business

Owning a business becomes your whole world. But there's life beyond your company. Let's shape your wealth into reliable streams of income for the next chapter. When the day comes to exit your business, we'll ensure your finances are structured to fund the retirement lifestyle you envision, with minimal taxes.

Get your estate in order

Owning a business means building a legacy. Ensure your life's work and assets are handled precisely as you intend by proactively putting estate plans in place now.

See all our services

We collaborate with your accountant, solicitor and mortgage brokers so everyone is on the same page and helping you move forward.

Lume Wealth is a Brisbane financial adviser helping business owners to organise, grow, and protect their wealth.

We provide financial planning for pharmacists, doctors, dentists and trades people.

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Have questions?

We have the answers! If you don't find what you need here, you can always get in touch, we'd be happy to assist.

Business owners building

What types of business owners do you typically work with?

We have strong experience with doctors, medical specialists, pharmacists, trades, and professional services. We also advise retail and wholesale clients.

My accountant handles my business finances. Why do I also need a financial adviser?

Your accountant focuses on compliance, tax returns, and historical reporting. A financial adviser looks forward: how to grow and protect your personal wealth, whether your business and personal structures are working together efficiently, and how to plan for life beyond the business. The two roles complement each other, and we collaborate closely with your accountant.

I keep reinvesting everything back into the business. Is that a problem?

It can be. If your personal wealth is entirely tied up in the business, you carry significant concentration risk. We help business owners build wealth outside the business over time, so your financial future isn’t entirely dependent on one asset.

What structures should I be using to hold my wealth as a business owner?

This depends on your circumstances and goals, but trusts, companies, and SMSFs each have different tax and asset protection implications. We’ll look at your situation holistically and work with your accountant to recommend the right approach.

I’m a doctor/pharmacist/specialist. Do you have experience working with people in my field?

Yes. We have strong experience with medical professionals, pharmacists, and other specialists. We understand the specific income structures, entity types, and planning considerations that apply to your field.

How do I protect my personal assets if something goes wrong in the business?

Asset protection is a key part of what we do for business owners. This involves structuring your personal wealth separately, using appropriate legal entities, and ensuring your insurance arrangements cover the right risks, including key person cover and business expense protection.

I don’t have much super because I’ve been focused on the business. Is it too late to catch up?

It’s rarely too late, and there are often strategies available to make meaningful contributions in the years before retirement. We’ll model what’s possible and put a plan in place to maximise this tax-effective asset.