LBW Wealth Management

At LBW Wealth Management we aim to provide you with advice when you need it, not just when you ask for it.

Helping you understand

We understand that wealth creation is about fully understanding what you seek to achieve and then helping you get there.

Minimise Taxes

Watch your wealth grow as we focus on reducing unnecessary tax and maximise your financial potential.

What We Do.

About LBW Wealth

Our clients can attest to our proven track record in achieving outstanding results in all aspects of their financial affairs. We achieve this by dealing only with a small number of clients each of whom is able to receive the close personal attention they deserve.

Increasing financial complexity means that we consult with clients who seek a premium and comprehensive advice service. Providing comprehensive service is time intensive and excellence can only be achieved when an appropriate focus occurs. This quality advice focus takes discipline including remaining focussed on a small number of clients.

The LBW difference

Our sole aim is to make a difference to your financial future. We will work closely with you as your adviser to ensure you achieve your personal and business financial goals.

Once you become a client, you will receive both proactive strategic advice and comprehensive investment advice working closely with one of our principals. Our focus is on your entire wealth position not just individual pieces.

Our licence is held through a non-institutionally owned company so we can maintain an “agnostic” approach to our advice providing you with unbiased outcome focussed recommendations. We recognise the influence and power of technology and have made sure we have the best tools to interact, analyse, and advise you.

Our Awards

We are Justicia, a Law Firm in San Francisco, CA

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About LBW Wealth.

About LBW Wealth

We are a wealth advisory firm with long-term experience in providing all aspects of wealth and financial advice. Our principals have more than 20 years each as licensed advisers.

Our office in Chatswood is conveniently located, we also meet in person or on a video call with more distant clients.

We take pride in the excellence of our principals and team, who all perform beyond the industry standards. In addition, we have a vast and well-resourced network of associates, advisers and specialists, so we can always provide the best available and most up-to-date and appropriate advice.

Our Services.

Our clients access the complete range of wealth services aimed at maximising their wealth all with the close assistance of their LBW Wealth advisor.

Wealth Creation Stratergies

None of us can expect the best for our financial future unless we have strategies in play, strategies that utilise financial secrets that the planners at LBW Wealth Management have proven successful with many many clients.

Superannuation & SMSF

Flexibility of investment choice, tax efficiency and regulatory control are just some of the technical differences between SMSF's and their commercial competitors. Confidence in your Self Managed Superannuation Fund's (SMSF) compliance with evolving taxation and regulatory controls is vital to success in an SMSF.

Portfolio Construction & Investment Advice

For an investment portfolio to help you achieve your financial plan and be truly effective it must be carefully constructed both in terms of assets allocation and the particular investments that minimise risk in achieving your return. Aided by industry experts with extensive experience, we construct portfolios built for your own circumstances.

Wealth Protection & Insurance

Most of us should be concerned that our best laid plans may be turned upside down by unfortunate circumstances,  LBW advisers can assist in putting in place risk management strategies including risk insurance coverage.  We suggest that you really afford not to have this protection!

Our Principals.

LBW Wealth Management has highly credentialed principals sharing over 50 years of experience between them.

Mark Willock

Advisor Principal

Mark is a founding member of LBW Wealth Management, beginning his professional career with us in 1987. Mark has gained over twenty years of experience working in both LBW's financial planning division and in providing tax & accounting services. He works with clients from a variety industry backgrounds both working and retired.

Mark is a Member of Chartered Accountants Australia & New Zealand (CAANZ) and holds a Financial Planning specialist accreditation.  He is also a member of The SMSF Association as a specialist advisor and an authorised representative of Sentry Advice Pty Limited AFSL 227748.

Mark's clients can attest to the diligence that he shows in providing effective advice and he continues to advise clients across various parts of Australia.

Mark is married, has two children and his interests include four-wheel driving, camping, gardening and keeping fit.  He has held a director role on the Toyota Land Cruiser Club of Australia in pursuit of his passion of exploring all parts of Australia and owning historic landcruisers.

Alan Perrott

Advisor Principal

Alan Perrott is a Fellow of Chartered Accountants Australia & New Zealand (CAANZ) and has more than 35 years experience in Chartered Accountancy. Not only is Alan a Chartered Accountant but is both a Self Managed Superannuation Fund Specialist (SMSF) & Financial Planning Specialist with CAANZ.


He is a founding member of LBW Wealth Management and an authorised representative of Sentry Advice Pty Limited AFSL 227748. Alan is a is a Certified Financial Planner and a past specialist member of The SMSF Association (formerly SPAA).

At LBW Wealth Management, Alan specialises in superannuation, SMSFs, and portfolio construction advice. Alan believes that "Superannuation is probably the most creative area in business, taxation and wealth planning. When correctly setup, superannuation allows you to take control of your affairs both when accumulating assets and into retirement."

He has a keen interest in all aspects of property and has been personally involved in some property renovation & building projects and operating holiday apartments. He also enjoys photography, camping, community service as a volunteer member of the State Emergency Service, playing Over 45s soccer, soccer refereeing, and participating in a quiet red wine with friends.

Wealth Management Team.

Our Principal Advisers are supported by both an internal wealth management team and a network of professionals. The wealth management team includes:

Daniel Archibald CFA

Daniel is the chair of the LBW Investment Committee and is a Chartered Financial Analyst (CFA) Charterholder. Daniel joined the firm in August 2010 and holds a Masters of Applied Finance degree. He also is the key contributor and editor of our monthly "LBW Investors Update", and is currently a PhD candidate at Swinburne University.

Daniel's interests include spending time with his wife and four children, following most sports and undertaking local community work.

Serene Ong

Serene joined the firm in 2020. Serene has a wealth of knowledge and experience in the financial industry, starting as a Bank Credit Analyst before moving to funds management. She has spent the last 15 years in financial planning. She derives great satisfaction and purpose in being able to assist our clients with their financial well-being. Serene holds an Advanced Diploma in Financial Planning, a Bachelor of Business degree majoring in Finance from the National University of Singapore and a Master of Science degree from Wheelock College, Massachusetts, USA. Serene enjoys travelling, reading, volunteering in the community and spending time with her family and friends.

Wealth
Roadmap

Wealth Creation

You don't need a large lump sum to be able to create wealth. Wealth creation is a process of combining your current resources with investment strategies that will provide sufficient capital to meet your immediate or future monetary needs. Wealth creation strategies include the use of managed funds, savings plans, investing in shares and gearing options.

Wealth Protection

Essential components of your LBW financial plan are adequate provision to protect your wealth, and that provide an agreed financial benefit in the event of an insured occurrence. Without the correct balance of income protection, trauma, disability, life and business insurance, the wealth you've built can rapidly erode as a result of an accident, illness or death.

Retirement Planning

Making certain that your financial assets are working for you becomes crucial when you retire. That is why it is important that you plan and invest your money wisely. Retirement planning will assist you to manage your financial preparation for eventual retirement, so you maintain a regular income, and confidently enjoy retirement. A sound LBW retirement plan will help you to:

- Secure your assets
- Attain the maximum tax benefits
- Select the best superannuation
- Obtain the maximum social security benefits
- Transfer your wealth tax-efficiently
- Plan your estate & make family provisions

Review

Once you have a financial plan in place your LBW adviser should review your plan on a regular basis to ensure that you are not paying unnecessary tax, receiving poor investment returns or have inadequate protection for the family. This review service will review your future goals and provide you with updated reports on your current portfolio, to keep you on track and in control.  The review service is detailed in your Client Service Agreement with us.

Wealth Creation

You don't need a large lump sum to be able to create wealth. Wealth creation is a process of combining your current resources with investment strategies that will provide sufficient capital to meet your immediate or future monetary needs. Wealth creation strategies include the use of managed funds, savings plans, investing in shares and gearing options.

Wealth Protection

Essential components of your LBW financial plan are adequate provision to protect your wealth, and that provide an agreed financial benefit in the event of an insured occurrence. Without the correct balance of income protection, trauma, disability, life and business insurance, the wealth you've built can rapidly erode as a result of an accident, illness or death.

Retirement Planning

Making certain that your financial assets are working for you becomes crucial when you retire. That is why it is important that you plan and invest your money wisely. Retirement planning will assist you to manage your financial preparation for eventual retirement, so you maintain a regular income, and confidently enjoy retirement. A sound LBW retirement plan will help you to:

- Secure your assets
- Attain the maximum tax benefits
- Select the best superannuation
- Obtain the maximum social security benefits
- Transfer your wealth tax-efficiently
- Plan your estate & make family provisions

Review

Once you have a financial plan in place your LBW adviser should review your plan on a regular basis to ensure that you are not paying unnecessary tax, receiving poor investment returns or have inadequate protection for the family. This review service will review your future goals and provide you with updated reports on your current portfolio, to keep you on track and in control.  The review service is detailed in your Client Service Agreement with us.

Wealth
Roadmap.

Wealth Creation
You don't need a large lump sum to be able to create wealth. Wealth creation is a process of using your current resources with financial and investment strategies designed to provide sufficient capital to meet your immediate or future monetary needs.

Wealth creation involves the combination of setting long term strategies, managing investment risk, implementing a focussed portfolio, and minimising tax costs in a disciplined manner. It’s much more than investing in property, shares, managed funds or using gearing.
Wealth Protection
An essential component of your LBW strategic financial plan is adequate provision to protect your wealth. Firstly, risk mitigation and protection should be a part of all financial strategies and investment portfolios.

Secondly, life presents us all with risks and unexpected outcomes and, of course, your “wealth” includes your future income. Strategies that provide an agreed financial benefit in the event of an insured occurrence are valuable wealth protection tools. Without the correct balance of income protection, trauma, disability, life and business insurance, the wealth you've built can rapidly erode as a result of an accident, illness or death.
Tax Planning
It is important recognising that taxation is a significant cost which reduces our wealth and then to take steps to ensure that this wealth leakage is minimised.

There are tax management strategies that should be in place to ensure that you do not pay more tax than you need to pay. Tax impacts you whilst you are developing your wealth, into your retirement and on the provisions you make for you family in your will. The tax system is complex and without good advice you may inadvertently pay much more tax than you need to.

Our strategies will place tax planning as a priority as we understand the long term impact of poor tax management on your wealth.
Retirement Planning
Making certain that your financial assets are working for you becomes crucial when you retire. That is why it is important that you plan and invest your money wisely in advance of retirement.

Retirement planning starts now!

Manage your financial preparation for eventual retirement is the ultimate goal, so you maintain a regular income, and confidently enjoy retirement.

Significantly better financial outcomes are achieved by combining wealth creation, wealth protection, and taxation planning throughout your lifetime. Early preparation is always better.

Into retirement, focus is placed on ensuring capital protection, income streams to fund your lifestyle,
tax effectiveness (attaining the maximum tax benefits and minimising tax costs), and potentials social security benefits.

The final step is to plan your estate & make family provisions.
Review
Once you have your strategies and a financial plan in place, reviewing your plan on a regular basis is a vital next step.

This review process will review your future goals and provide you with updated reports on your current portfolio, to keep you on track and in control to ensure that you are not paying unnecessary tax, receiving poor investment returns or have inadequate protection for the family.

The review service is detailed in your Client Service Agreement with us.

Philosophy & Process.

Our investment advice is centred around our philosophy. In contrast to many of our peers, we have developed and maintained an investment philosophy for more than 15 years that has proved successful.

Our philosophy & principles centres around:

- Strategy first – we start at the big picture, strategy comes before portfolio selection.

- Discipline – keeping focussed on the appropriate strategy produces effective long term results.

- Specialists – investment selections use specialists in their sector which allows you to have access to “best of breed” in each investment class.

- Transparency – investment returns are clear from each sector and each investment.

- Personalisation – we research and create a model portfolio and this becomes the foundation for your individually tailored investment recommendations.

Our Investment Committee forms part of our process to deliver high quality advice to clients and is a pillar of our investment philosophy.   

The LBW Investment Committee meets monthly to discuss the current economic and investment environment and review LBW's model portfolio. This portfolio, which is designed to provide LBW Wealth Management clients with a dynamic, diversified and common-sense investment solution, consists of tactical asset allocations for standardised risk profiles, sub-sector allocations and investment selections.   

The disciplined approach to portfolio construction is aimed to set unsurpassed standards in advice.  Discipline in approach is rare amongst advisers across Australia and our philosophy offers clients access to well-researched investment approach and a personalised portfolio once individual circumstances are blended with the model portfolio.
 
Investment Committee Process

The committee is charged with the following responsibilities:  

1. Review and establish overall LBW investment policy on an annual basis 
2. Conduct research relating to the portfolio and investments 
3. Set tactical asset allocation for the portfolio on a monthly basis so as to aim to maximise portfolio performance over the upcoming 18 to 24 months
4. Maintain a watchlist of appropriate investment managers and other securities 
5. Select, review and replace investment managers and other securities 
6. Review investment performance of the portfolio 
7. Review the committee charter on an annual basis

The decisions of the investment committee flow to client portfolio decisions by way of a model portfolio blended with specific client objectives. This model is implemented in a personalised basis for clients in line with their individual portfolio review schedule.

Get a Free Quote

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Case Results

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$46,000,000
enterprise IPO FILLING

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$23,000,000
MERGERS & ACQUISITIONS

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$12,000,000
COPYRIGHT LAWSUIT CLAIM

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Why Justicia LBW?

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John Simons
CEO of Justicia

Get in Touch

Get in touch with our team today to see how we can help your future!

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Get in Touch

Get in touch with our team today to see how we can help your future!

Get in Touch.

Get in touch with our team today to
see how we can help your future!

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Disclaimer & General Advice Warning.

The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Sentry Advice Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action. Our Australian Financial Services Licence is provided by Sentry Advice Pty Ltd (AFSL No: 227748).  The Sentry Advice AFSL applies to financial products only. Please note Finance, Mortgage Broking, General Insurance, Legal Document Drafting, Taxation, Real Estate & Business Coaching are not considered to be financial products.  LBW Financial Services Pty Limited trading as LBW Wealth Management is a Corporate Authorised Representative of Sentry Advice Pty Limited (AFSL Lic. No. 227748). LBW Wealth Management provides financial services and it does not provide tax advice. All tax, accounting, auditing, business consulting services are provided by LBW & Partners or Estd 1966 Pty Limited which are separate legal entities.  Every effort has been made to offer the most current, correct and clearly expressed information possible within this site. Nonetheless, inadvertent errors can occur and applicable laws, rules and regulations may change. The information contained in this site is general and is not intended to serve as advice. No warranty is given in relation to the accuracy or reliability of any information. Users should not act or fail to act on the basis of information contained herein. Users are encouraged to contact LBW Wealth Management professional advisers for advice concerning specific matters before making any decision