The Wealth Pyramid Foundations™
Before making big financial decisions, you must ensure your foundation is solid. Think of it as making sure your house is built on strong ground before adding new floors.
Registered Trademark of WSP
Understanding Scope of Advice
The pillars below represent the full capability of our framework. Not every engagement covers every pillar. Your specific service determines the Scope of our work. For more on the difference between Factual Information and Personal Advice, please refer to the ASIC Moneysmart Guide.
The pillars below represent the full capability of our framework. Not every engagement covers every pillar. Your specific service determines the Scope of our work. For more on the difference between Factual Information and Personal Advice, please refer to the ASIC Moneysmart Guide.
The 10 Structural Components
A strong foundation covers these key areas to understand where you stand.
Assets vs. Liabilities
What do you own, and what do you owe? We start with a complete balance sheet listing cash, property, and investments.
Income vs. Expenses
Money comes in, money goes out. We identify spending patterns and opportunities to save more effectively.
Disposable & Investable Income
Calculating what is left after essentials to help you make informed choices about saving and lifestyle.
Cash Reserves & Emergency Funds
Estimating how much you should have set aside for unpredictable life events and short-term needs.
Investment Readiness & Capacity
We assess how much wealth is truly available for investment without overextending your current position.
Tax & Government Support
We review your tax situation and eligibility for government support to maximize all available opportunities.
Risk Management & Protection
Assessing your financial safety net, including insurance adequacy and personal savings protection.
Financial Documentation
Reviewing estate plans, Wills, and Powers of Attorney to ensure you are fully prepared for the future.
Data Integrity & Verification
Moving from “Stated” to “Verified.” We examine primary documents to ensure legal reality matches your understanding.
10. Scoping of Services
The critical final step where we align our full framework capability with your specific needs via the Service Cube.
The “Blueprint” Concept
Foundations are not a binary “tick-box.” Some clients need a basic check; others require a forensic Blueprint Review where we verify every deed and document.
Defining Your Scope with The Service Cube™
The Service Cube helps us determine the Scope of our advice based on where you are in your life right now.