Financial Services
We offer personalised financial strategies designed to simplify wealth accumulation, retirement planning, superannuation consolidation, and insurance—so you don’t have to worry about finding the time.
A Financial Planning Process That’s Simple, Yet Powerful
At Donmont Capital, we turn uncertainty into clarity with a process built around your goals and values. We help you make confident decisions and create a financial strategy that reflects what truly matters to you. With a clear roadmap and ongoing support, you’ll always know where you’re headed—and you’ll never walk the path alone.
Planning Introductory Meeting (No cost & obligation free)
Advice Preparation
Should you wish to engage our services, our work begins on reviewing and assessing alternative financial models and investment scenarios appropriate to your needs and circumstances. Fees occur from this step.
Strategy Development
Development of the detailed strategy and recommendations and preparation of your personalised plan (Statement of Advice document).
Advice Presentation Meeting
At this meeting we will present your tailored financial strategy and explain how our advice and recommendations will help you to achieve your goals and aspirations.
Implementation of Advice
Once you are comfortable with our advice and recommendations, the next step is to implement the detailed strategy as outlined in the Statement of Advice. We complete all of the required paperwork & process these.
Ongoing Advice and Regular Reviews
To ensure your financial strategy remains on track to meet your objectives (as they are subject to change over time), we will meet on a regular basis to review your situation and make any necessary adjustments that may be required.
Our Approach
Our approach is rooted in understanding your unique circumstances today while focusing on building a better tomorrow.
We offer personalised financial strategies designed to simplify wealth accumulation, retirement planning, superannuation consolidation, and insurance—so you don’t have to worry about finding the time.
Lifestyle Stages
We recognise that each financial journey is unique.
That’s why we help clients identify their current stage in life to provide tailored advice that aligns with their specific needs.
Each phase reflects a tailored approach to superannuation and investment strategy, adapting to the client and their evolving needs for growth, stability, and income generation.
Foundation Phase
Age Range: 20s to mid-30s
Key Focus: Growth and wealth accumulation
Superannuation Strategy:
- Building a strong superannuation balance through regular contributions, usually via employer contributions and personal contributions.
- Opting for aggressive investment options, favoring high-growth assets such as equities, property, or diversified growth funds.
- With a long investment horizon, investors can take on higher risk to pursue stronger returns.
Example: A 30-year-old investor may choose a “High Growth” or “Aggressive” super fund option, aiming for maximum capital growth over time.
Accumulation Phase
Age Range: 30s to mid-40s
Key Focus: Continued growth, wealth accumulation, and asset protection
Superannuation Strategy:
- Focus on growing superannuation balances while maintaining appropriate insurance strategies to protect wealth.
- Aggressive investment strategies remain common, with growth-focused options like shares and property.
- The long investment horizon continues to allow for higher risk tolerance in pursuit of stronger returns.
Example: A mid-career professional might maintain a “High Growth” super option to maximise growth, while incorporating insurance strategies for asset protection.
Consolidation Phase
Age Range: Mid-50s to early 60s
Key Focus: Balancing growth and stability
Superannuation Strategy:
- Gradually shifting toward more conservative investments to protect accumulated savings while still maintaining some exposure to growth assets like shares.
- Contributions may increase through strategies like salary sacrifice, while investment options shift towards balanced or defensive allocations.
- Planning for retirement becomes more prominent, ensuring that the investment strategy aligns with long-term goals.
Example: A 50-year-old investor might shift from an aggressive growth portfolio to a “Balanced” super option, with 60-70% growth assets and 30-40% defensive assets.
Pre-Retirement Phase
Age Range: 55 to 65
Key Focus: Preserving capital and income planning
Superannuation Strategy:
- Reducing exposure to high-risk investments and focusing on protecting the superannuation balance.
- Investors often favour conservative or “Balanced” options with a mix of bonds, fixed income, and cash to generate stable returns while protecting against losses.
- Pre-retirement strategies like transitioning to retirement income streams or boosting contributions with catch-up payments become key considerations.
Example: A 60-year-old may move to a conservative super option, prioritising capital protection while maintaining moderate growth potential for income generation in retirement.
Retirement Phase
Age Range: 65 and beyond
Key Focus: Income generation and capital preservation
Superannuation Strategy:
- Converting the accumulated superannuation balance into an income stream, such as an account-based pension, to fund living expenses.
- Conservative or defensive super options are favoured, focusing on protecting the remaining balance while ensuring steady income throughout retirement.
- Managing withdrawal rates and ensuring a sustainable drawdown strategy is crucial to avoid depleting super savings too quickly.
Example: A retiree may switch to a “Conservative” super option with 70% defensive assets like bonds and cash, drawing regular income from the super account to cover living costs.
Late Retirement/Legacy Phase
Age Range: 75+
Key Focus: Income maximisation and wealth transfer
Superannuation Strategy:
- The focus shifts toward maintaining sufficient income for personal needs while ensuring any remaining balance is transferred efficiently to beneficiaries.
- Estate planning strategies, such as minimizing tax on death benefits and ensuring correct beneficiary nominations, become a priority.
- Conservative investment strategies are common, with allocations primarily to fixed income and cash.
Example: A 75-year-old may fully shift their super balance into low-risk options like cash or fixed income, ensuring steady income and preparing for the transfer of wealth to beneficiaries
As trusted financial advisors, we are committed to long-lasting relationships based on trust and transparency.
Whether you’re buying your first home, growing your property portfolio, or planning for retirement, Donmont Capital will be by your side. Start your financial journey with us today—don’t wait to secure your future.