Who we help

Who is Wealth Gap Advisory for?

We advise high income earners and business owners in Perth and across Western Australia — typically households earning above $200,000, or holding investable assets above $500,000, whose affairs have outgrown a single adviser or a single accountant. The common thread is complexity that has arrived faster than the structure around it.

Three situations account for most of the people we work with.

Income has arrived faster than structure. Late twenties to late thirties, earning well, no meaningful plan, and a strong suspicion that the money is not working as hard as the work that produced it.

Complexity has arrived faster than coordination. Late thirties to early fifties, with a trust, a company, an SMSF, a mortgage and three separate professionals who have never spoken to each other. This is the largest part of our practice.

The question has changed from accumulation to transition. Late forties to mid sixties, with a business to exit or wealth to pass on, and a growing awareness that the plan for getting the money was never a plan for keeping it.

Which of the five wealth gaps applies to me?

We diagnose against five gaps: Income, Structure, Strategy, Advice and Legacy. Most people have two of them at once, and almost nobody has all five. The point of naming them is that each has a different fix — an Income Gap and a Structure Gap look identical from the outside and require entirely different work.

The Five Wealth Gaps explains each in detail — most people recognise their two within minutes.

Do I earn enough to need a financial adviser?

It is less about the number than about the number of moving parts. A single salary and one superannuation account rarely needs an adviser. Two incomes, a trust, a company, an investment property and a mortgage almost always does — not because the amount is large, but because the interactions between those things are where value is lost.

The most useful signal is not income. It is whether anyone can answer this question: what is the order in which the next five financial decisions should be made? If nobody can, that is an Advice Gap regardless of what the income is.

Who we work with

FIFO and mining professionals — high income, compressed timeframes, rosters that make ordinary financial admin genuinely difficult, and a career shape that concentrates earnings into a window rather than spreading them across a lifetime. Western Australia's defining income story, and one of the most under-served groups in the market.

Medical specialists — a late start on earnings, then a steep climb, usually with a practice entity, service trust arrangements and a superannuation position complicated by high income. Time-poor in a way that makes coordination the actual product.

Business owners — wealth concentrated in one asset that is also the source of income, with an exit that is usually five years away and needs planning now.

If none of those describes you and the rest of this page does, that is fine — they are the three groups we see most, not a membership test.

Who are you not for?

We are not the right firm if you want stock tips, tax avoidance, a product sale, or the cheapest possible fee. We are also not right if you want to hand the decisions over entirely — the work requires your engagement. And if your affairs are genuinely simple, a good industry fund and a good accountant may be all you need.

That last sentence costs us enquiries and we would rather publish it than have the conversation in a first meeting. There is a real category of person for whom paying for advice would be a poor decision, and pretending otherwise would undermine everything else on this site.

How do I start?

Start by reading the Five Wealth Gaps and noting which of them sound like your situation, then book a Wealth Gap Conversation — a no-obligation discussion about how you want to live. Justin Porrins responds personally within one business day.