What are the opening hours?

Monday 9am - 1pm Tuesday 9am - 1pm Wednesday 9am - 1pm Thursday 9am - 1pm Friday 9am - 1pm

Think Capital Strategic Financial Planning Advice

Home
Australia
Perth, WA
Think Capital Strategic Financial Planning Advice

Send a DM to get started Many tell us that they are concerned about making the wrong decisions.

Financial Planner working with business owners, professionals and their families to achieve financial independence | Tax Optimisation | Investment Management | Superannuation | Retirement Planning | Insurance | Estate Planning. Welcome to Think Capital

Our clients are usually busy Business Owners, Professionals, and FIFO workers in technology, mining, and associated industries, who struggle to f

ind the time to take control of their finances. We provide advice and guidance about their money and help them improve their financial decision-making, which gives them confidence that they have fully invested in their financial independence. When we first meet our clients, they often feel frustrated that they are working hard and earning a good income, but not getting ahead as fast as they had envisaged. They often don’t know where to start when it comes to paying less tax, reducing debt, building up wealth and they aren’t sure how to fully utilise their employee share benefits. Our mission is to empower you to take control of all aspects of your life so that you can have more influence over your circumstances, more certainty around your finances, more freedom, more fun and live life to its fullest

Using our step-by-step Ultimate Financial Independence framework, we help you take control of your money with smarter financial and wealth creation strategies. These strategies are proven to improve cashflow, build wealth and protect what you’ve already worked hard to obtain. That’s how you achieve more CERTAINTY, CONTROL and CONFIDENCE and inspire your version of Financial Independence. If this is something you would like to achieve, we have created an Ultimate Financial Independence guide to help. To get the Ultimate Financial Independence Guide, book your 15-minute 1-on-1 Ultimate Financial Independence session and you will receive your copy 1 hour after you have booked your appointment. PS: You’ll owe us a coffee if we can get your tax down and maybe reduce your super fund fees and save you money on your personal insurance premiums….😀

17/07/2026

Many South Africans build successful lives in Australia while keeping investments, insurance policies and retirement funds overseas.

Over time, that can create complexity.

Different tax rules.

Different currencies.

Different legal systems.

Different retirement timelines.

The question is not whether your South African assets should stay or go.

The question is whether your financial structure still reflects the life you live today.

A considered retirement strategy looks at each asset individually and asks:

What purpose does it serve?

How will it support your retirement in Australia?

What are the tax implications?

When should changes happen?

Retirement planning across borders is rarely a single transaction.

It is a series of informed decisions designed to align your wealth with your future.

For professionals, entrepreneurs and families who value a thoughtful approach to their financial future, Think Capital Advice provides more than financial advice - we develop personalised strategies that help you grow and protect your wealth, support your family, and plan for the years ahead.

Our approach is built on three guiding principles:

Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

Improve Cashflow. Grow Wealth. Protect your Family.
‌

15/07/2026

One of the most important questions pre-retirees can ask is - "Will I still be financially secure after helping my family?"

Before transferring significant assets or savings to adult children, it's important to ensure your own foundations are in place.

Consider whether you have enough to:

Maintain a comfortable lifestyle in retirement.

Cover future healthcare and aged care costs.

Keep an accessible cash reserve for unexpected expenses.

Manage debt and housing costs.

Preserve your independence for the years ahead.

Retirement capital can be difficult to rebuild once you've stopped working.

Your children still have time to earn, borrow and build wealth. Protecting your financial future isn't selfish - it's one of the most meaningful ways you can support your family in the long term.

A well-structured plan allows you to give generously while maintaining your own security and peace of mind.

For professionals, entrepreneurs and families who value a thoughtful approach to their financial future, Think Capital Advice provides more than financial advice - we develop personalised strategies that help you grow and protect your wealth, support your family, and plan for the years ahead.

Our approach is built on three guiding principles - Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/getting-retirement-ready-strategy-session?back=1&month=2026-06

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

13/07/2026

Many people respond to rising living costs by taking on a side hustle. While earning extra income can help in the short term, it often means more hours, more pressure, and less time for family and the things you enjoy. The income stops when the work stops.

Building long-term wealth is different. Instead of relying solely on your time, focus on creating assets that can generate income and grow over time, whether through investments, property, a business, or other income-producing opportunities.

Extra work has its place, especially when reducing debt or building savings. Lasting financial independence, however, comes from making your money work for you, rather than working harder for your money.

The goal isn't to work every spare hour. It's to create a future where you have the freedom to choose how you spend your time.

For professionals, entrepreneurs and families who value a thoughtful approach to their financial future, Think Capital Advice provides more than financial advice - we develop personalised strategies that help you grow and protect your wealth, support your family, and plan for the years ahead.

Our approach is built on three guiding principles:

Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

10/07/2026

You can be lost at 25.
Broke at 30.
Unsure at 35.
Starting over at 40.
Find direction at 45.
Become truly unstoppable before 50.

There is no perfect timeline. There is only the path taken and the way it is walked.

What matters is not when things happen, but how decisions are made, how setbacks are handled, and how consistently progress is pursued.

It is never too late to build a life that works - financially, emotionally, spiritually, and physically.

Life does not move in straight lines.
It moves through lessons, pressure, growth, and perspective.

Experience becomes wisdom when it is applied, not observed.

At what age have you found your groove and version of success?

For professionals, entrepreneurs and families who value a thoughtful approach to their financial future, Think Capital Advice provides more than financial advice - we develop personalised strategies that help you grow and protect your wealth, support your family, and plan for the years ahead.

Our approach is built on three guiding principles:

Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

Improve Cashflow. Grow Wealth. Protect your Family.
‌

08/07/2026

FIFO income can create opportunities that many families only dream about.

A bigger home. Better schooling options. Support for family overseas. More choices for the future.

The challenge comes when a temporary income pattern starts to feel permanent.

Rosters change. Allowances end. Career priorities shift.

Building your lifestyle around today's income without planning for tomorrow can place unnecessary pressure on your future.

A strong earning period should strengthen your position, reduce financial stress and create options for the years ahead.

Financial planning for FIFO families is not about restricting your lifestyle. It is about making sure your income works as hard as you do.

Think Capital Advice helps FIFO families review cash flow, debt, superannuation, insurance and long-term goals to build a strategy that supports every stage of life.

Our approach is built on three guiding principles:

Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

Improve Cashflow. Grow Wealth. Protect your Family.
‌

06/07/2026

Immigrating is not for the faint-hearted.

It takes courage to leave behind familiar places, lifelong friends and the comfort of knowing exactly where you belong.

Leaving your roots behind and starting again thousands of kilometres away means rebuilding more than a home. It means creating a new community, new traditions and a new sense of belonging.

For many South Africans in Australia, there are moments that instantly take you home.

🍗The smell of a braai, not a BBQ .

🥩The taste of biltong.

🍞The first bite of a perfectly toasted braaibroodjie.

Images like this have a way of creating an immediate connection, reminding South Africans abroad that home is not only a place; it lives in shared experiences, traditions and moments that bring people together.

At Think Capital Advice, we understand that feeling.

Many of our clients are creating successful lives in Australia while managing finances, investments and family ties across two countries.

They are not only looking for financial advice. They are looking for someone who understands the journey.

Someone who knows the comfort that comes from finding people who get it.

Our role is to help you build financial foundations that support the life you are building here, while respecting the history, family connections, and experiences that have shaped you.

Trusted advice and genuine relationships can make all the difference.

For professionals, entrepreneurs and families who value a thoughtful approach to their financial future, Think Capital Advice provides more than financial advice - we develop personalised strategies that help you grow and protect your wealth, support your family, and plan for the years ahead.

Our approach is built on three guiding principles:

Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

02/07/2026

As the financial year comes to a close, conversations often focus on tax, superannuation, and investments.

An equally important question deserves attention.

What happens if tomorrow never comes?

Many business owners spend years building something valuable, yet have no documented succession or estate plan in place.

A business is often one of a family's greatest assets. Protecting it means preparing for the unexpected, ensuring loved ones, employees, and clients know what happens next.

The best succession plan is the one that is never needed, but having one can make all the difference when it is.

Has your succession plan been reviewed recently?

For professionals, entrepreneurs and families who value a thoughtful approach to their financial future, Think Capital Advice provides more than financial advice - we develop personalised strategies that help you grow and protect your wealth, support your family, and plan for the years ahead.

Our approach is built on three guiding principles:

Prudent advice. Practical solutions. Progressive results.

If you're ready to make informed, considered financial decisions, arrange a consultation to discover how a tailored financial strategy can help you achieve your long-term goals - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

01/07/2026

A friend recently shared a story with me that has stayed on my mind.

Her grandfather had taken the responsible step of having a will prepared before he passed away. On paper, everything appeared to be in order.

Until the family had to live through it.

She inherited 50% of his home. A gesture made entirely from love and with the intention of keeping the property within the family across generations.

There was only one problem.

The way the will had been structured created complications nobody had anticipated.

She wanted to purchase the remaining 50% of the property, yet the wording within the will made that difficult.

Then another unintended consequence emerged.

By inheriting part ownership of the property, she was no longer eligible as a first-time home buyer, something she had been relying on to purchase a home of her own in the future.

Sadly, what was designed as a gift of security and legacy unintentionally created financial and legal obstacles for the people he cared about most.

What struck me most was this.

Her grandfather only had two wishes.

That he would not be alone when he passed away, which she honoured until his final breath.

In addition, the home remained within the family.

The intention was beautiful.

The outcome became far more complicated.

Moments like this are an important reminder that professional advice is not only about documents, structures, or technical knowledge.

One of the greatest responsibilities any adviser, consultant, or professional carries is the ability to truly listen.

Not simply to provide a solution.

But to understand the people, relationships, future implications, and unintended consequences connected to that solution.

Estate planning is rarely only legal or financial.

It is deeply personal.

The smallest detail, wording choice, or assumption can shape generations that follow.

If you're ready to make confident, considered financial decisions, schedule a time to see how we can help you create financial security - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - 💻 https://www.thinkcapitaladvice.com.au/.

Improve Cashflow. Grow Wealth. Protect your Family.
‌

29/06/2026

Retirement-ready means different things to different people.

For some, it is travelling more. For others, it is spending time with grandchildren, reducing work hours, moving closer to the coast, caravanning around Australia, or simply having more freedom and less pressure.

One of the biggest misconceptions about retirement is that it is only about reaching a certain age or having a certain superannuation balance.

In reality, retirement readiness is often about preparation across multiple areas of life.

Income. Debt. Lifestyle expectations. Health. Cash flow. Investments. Estate planning. Future living costs. Understanding how long money may need to last.

Many people spend decades working hard, yet very few stop to properly map out what retirement could realistically look like for them.

Questions such as:
“Can we maintain our lifestyle?”
”What happens if one of us needs care?” “How much income will we actually need?” “Will we still feel secure if markets fluctuate?”

These are the important conversations.

Retirement is not only about stopping work.

It is about creating the ability to live comfortably, independently, and with greater choice during the next chapter of life.

The earlier people start preparing, the more options they often create for themselves later on.

If you're ready to make confident, considered financial decisions, schedule a time to see how we can help you create financial security - https://calendly.com/think-capital-advice/1-on-1-ultimate-financial-independence-strategy-session?back=1

Alternatively, learn more about Think Capital Advice - https://www.thinkcapitaladvice.com.au/.

Improve Cashflow. Grow Wealth. Protect Family.
‌

26/06/2026

Every new financial year brings superannuation changes.

What is different heading into 1 July 2026 is the growing gap between what people think the system allows… and what the rules actually permit in practice.

For many Australians, particularly business owners, professionals, and SMSF members, superannuation is no longer simply a retirement account sitting quietly in the background.

It has become a highly regulated tax structure with increasingly important decisions around timing, contributions, pension strategies, and compliance.

Several changes taking effect from 1 July will influence how people approach long-term planning.

Contribution caps are increasing again, creating additional opportunities for some Australians to contribute more into super tax effectively.

At the same time, many higher-income earners are already finding that compulsory employer contributions consume a large portion of those caps before additional strategies are even considered.

Unused carry-forward contribution opportunities from earlier years are also beginning to expire for some people, which may leave smaller windows to act than many realise.

Retirement phase limits are shifting higher again as the Transfer Balance Cap increases.

For some Australians, this may create greater flexibility around pension strategies and retirement income structures.

For others, particularly those with larger balances or multiple super interests, the calculations are becoming significantly more technical.

Meanwhile, increased scrutiny around large super balances, SMSF governance, contribution timing, and employer payment obligations reflects a broader trend:

The system is becoming more closely monitored, more data-driven, and less forgiving of mistakes.

One of the biggest operational shifts will be the move towards payday super.

Many employees may welcome seeing contributions arrive more regularly.

For employers, however, it places far greater pressure on payroll accuracy, cash flow management, and administration processes, remaining up to date throughout the year rather than catching up quarterly.

What many people underestimate is how quickly small decisions inside a super can compound over time.

Contribution timing.
Tax positioning.
Investment structures.
Pension strategies.
Insurance arrangements.
SMSF compliance obligations.

Individually, each may seem manageable.

Together, they form part of a much larger long-term financial framework.

The reality is that superannuation is no longer something most people can afford to review only when retirement is approaching.

If you're ready to make confident, considered financial decisions, schedule a time to see how we can help you with your super - https://calendly.com/think-capital-advice/sort-out-my-super-strategy-call?back=1

Alternatively, learn more about Think Capital Advice - https://www.thinkcapitaladvice.com.au/.

Improve Cashflow. Grow Wealth. Protect your Family.
‌

Address

Perth, WA

Opening Hours

Monday	9am - 1pm
Tuesday	9am - 1pm
Wednesday	9am - 1pm
Thursday	9am - 1pm
Friday	9am - 1pm

Website

https://www.facebook.com/groups/southafricansinaustraliafinancialfitnessforum/, https://www.facebook.com/groups/financia

Alerts

Be the first to know and let us send you an email when Think Capital Strategic Financial Planning Advice posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.