Executives & Business Owners
For executives and business owners, success brings with it a different set of financial pressures.
What is Executive and Business Planning?
At its core, executive and business planning is the process of aligning personal wealth, career decisions, and business growth into one coherent strategy.
It’s about:
Designing structures — trusts, companies, SMSFs — that work together, not against each other.
Building diversified portfolios across equities, property, and private assets.
Coordinating with accountants, lawyers, and bankers so the financial system around you is seamless.
Acting as a sounding board for the big calls: investing in property, scaling a business, planning an exit.
It’s less about finding the next “hot” investment and more about ensuring every piece of your financial life is integrated, purposeful, and future-ready.
Why it matters
Success doesn’t simplify life — it complicates it. For executives and business owners, financial decisions don’t exist in isolation. They’re tied to careers, businesses, families, tax structures, and long-term ambitions.
And here’s the paradox: the more time you spend managing your money, the less time you have to focus on what actually fulfils you — whether that’s family, health, impact, or growth. Money is the tool, not the goal. The goal is a life lived with freedom, clarity, and purpose.
Executive and business planning matters because it brings order to the complexity. It ensures that income, investments, property, and business assets are structured in a way that builds wealth efficiently, protects what you’ve built, and funds the life you actually want to live.
Common challenges for Executives and Business Owners
Despite strong incomes and significant assets, many of our clients face recurring challenges:
Time – running companies or leading teams leaves little bandwidth to step back and plan strategically. Ironically, the more time spent thinking about money, the less time remains for what matters most.
Complexity – multiple income streams, equity incentives, and property holdings can become difficult to manage effectively.
Structure – assets may be owned in ways that aren’t tax efficient or protective in the long term.
Decision fatigue – endless choices, with no clear framework for making them.
These challenges don’t reflect a lack of ability. They reflect what happens when financial success outpaces the structures and strategies supporting it.
Mistakes we often see
Over the years, we’ve observed patterns in the mistakes even the most accomplished executives and business owners make:
Overconcentration – too much wealth tied up in a single business, property, or asset class.
Reactive planning – financial moves made in response to immediate issues rather than a long-term strategy.
Neglecting succession – no clear plan for business exits, leadership transitions, or passing wealth to the next generation.
Ignoring coordination – accountants, lawyers, and advisers working in silos, leading to missed opportunities and inefficiencies.
Lifestyle blind spots – focusing on building wealth without ensuring it funds the life they actually want today.
Mistakes like these aren’t fatal — but left unchecked, they erode wealth, create stress, and limit future freedom.
What we help with
We specialise in helping high-income families build a financial strategy that balances growth, risk management, and lifestyle. Our work often includes:
Structuring wealth effectively across trusts, companies, and SMSFs.
Diversifying across equities, residential property, and commercial assets.
Coordinating with accountants, lawyers, and bankers to ensure everything works seamlessly.
Acting as a sounding board for big decisions, from property purchases to business exits.
The Centurion Approach
Understanding Your Holistic Financial Situation
We start by mapping your complete wealth picture — assets, liabilities, income streams, and obligations — so we can see exactly how your inheritance fits into, and reshapes, the bigger picture.
Planning for Tax Optimisation and Asset Structuring
From capital gains to cross-jurisdictional issues, we identify the potential pitfalls early. Then we design the right ownership structures and tax strategies to maximise the opportunity while keeping more of what’s yours.
Cash Flow and Lifestyle Planning
We align the use of your wealth with the life you want to live — now and in the future. That means making sure the flow of capital supports your lifestyle goals without jeopardising your long-term security.
Implementation and Ongoing Stewardship
We execute the plan with precision — coordinating legal, accounting, and investment decisions — and then continue to refine your strategy as your needs, markets, and laws evolve.
Take the Next Step
Executive and business planning isn’t about adding more complexity — it’s about simplifying, structuring, and aligning your wealth with your vision.
At Centurion Private Wealth, we help executives and business owners earning $1m+ incomes design strategies that are diversified, tax-efficient, and purposeful.
Let’s start a conversation about making your financial life work as hard as you do.