Leading you with purpose
Grow what matters most to you
Together we’ll craft a flexible plan that aligns money with your priorities – family, freedom, future. As life shifts, we adjust early, turning new complexity into clear steps that keep opportunity within reach.
Turn surplus into lasting progress
Whether it’s business profits, trust income or a healthy salary, we channel spare cash into purposeful growth. You’ll see tangible milestones ahead, each move measured against what comes next for you.
Build momentum, not just balance
Our partnership turns today’s financial strength into tomorrow’s wider choices. With proactive reviews and early insight, your strategy stays ahead of change while life leads the way.
Built for people on the move
Bryce & Amelia
30 and 32, Dallas Texas
Our financial situation has been quite complicated over the last 12-18 months, but the attention to detail and expertise which Adam has shown in managing our finances could not be faulted. He is passionate, knowledgeable, approachable, and has a genuine interest in ensuring what was best for us and our long-term financial security. We truly cannot recommend him highly enough
Mike and Jane
62 and 59, Gold Coast
Adam has been our financial adviser for a number of years from him working for companies through to commencing his own business. We have been appreciative of the time and effort he has put into our portfolio. He is very personable in his approach with business matters and product knowledge… I have found Adam to be patient and more than happy to answer and explain anything I ask. We are very happy with Bolton Financial Services we know Adam works with our best interests at heart he understands his clients needs…
Carl
58, Gold Coast
Adam’s knowledge and total professional attitude is second to none. Adam has been working with my finances for quite a number of years and his advice and guidance has helped my Super grow considerably. I feel he even had it invested smart enough that when the unknown Covid-19 hit the decrease due to the market drop was much lower than others I know.
He is quick to respond to questions and listens to you so he can work with you on your portfolio. I can highly recommend Adam, he treats a person with respect and more importantly views one as an individual not just another client.
How we steer your success
Feel confident about your money and clear about the next steps.
Step 1
Get to know each other
A quick chat to understand goals, family and finances.
Step 2
Shape your strategy
We map tailored steps and agree priorities together.
Step 3
Move forward with momentum
We execute, review early, and adjust as life shifts.
All the latest from Instagram
June 30 doesn’t move. No matter what the RBA does, what’s happening overseas, or how loud the news cycle gets.
For anyone in the pre-retirement phase, the window between now and the end of the financial year is genuinely worth paying attention to, and one of the most valuable things you can do right now is understand exactly what contribution options are available to you.
There are two main types of super contributions, and they work quite differently. I’ve broken down both in the video above, what they are, how they’re taxed, and when each one makes sense.
Because knowing the difference isn’t just good financial literacy. At this time of year, it can actually make a meaningful difference to where you end up.
The noise will settle eventually. June 30 won’t wait for it.
This is general advice only and does not take into account your personal financial situation. Please seek advice tailored to your circumstances.
Over the last few weeks, a few questions keep coming up in client conversations. Worth sharing here, if you’re thinking it, chances are someone else is too.
“Should I be doing something different with my super right now?” Maybe. It depends on your timeline, your mix, and what you’re trying to achieve. There’s no universal answer, which is why I find myself saying “it depends” more than I’d like to admit.
“Is now a bad time to retire?” Not necessarily. But it’s a time when having a clear, stress-tested plan matters more than usual.
“Should I be worried?” Probably not worried. Paying attention, yes. Doing something about it… also yes, if you haven’t already.
If any of these sound familiar, my inbox is open.
The RBA has moved twice in two months. Neither time was a huge surprise… inflation didn’t cooperate, the labour market stayed tight, and contrary to what the Government says, this did not factor in the Iran situation.
What I’m watching heading into May: the next inflation read lands late April as this is when we will start to see the flow-through effect of the oil price rises.
CBA are already calling another rise, and the RBA has been clear that every meeting is live.
For clients approaching retirement, though, the key isn’t predicting what happens next. It’s making sure your strategy isn’t dependent on getting that call right.
Good financial planning isn’t a bet on rates going one way or another. It’s a structure that holds up either way.
This is general advice only and does not take into account your personal financial situation. Please seek advice tailored to your circumstances.
We may have got a little carried away with our social media strategy this week. 😅
In all seriousness, if you’ve made it this far, hi. I’m Adam, and despite what slide three suggests, I am in fact a legitimate financial adviser who specialises in pre-retirement planning and complex financial strategies. But, with the cost of living at the moment… let’s just say, never say never to a potential side hustle 😉
If you’ve been referred to me, or you’re just here because a strategically placed carousel tricked you into staying… welcome. Feel free to have a look around, and reach out if you’d like to chat.
Jess, my social media manager, will not be taking questions at this time 👀
Every year, without fail, I get calls in the third week of June.
Someone has just realised the financial year is about to close and they want to look at their tax position before it does.
Which I completely understand, but by that point, the options are limited.
Some strategies simply can’t be implemented in a week.
The window to do this properly is now. Not late June.
In the video above I’ve talked through why the timing matters and what tax planning actually looks like when you give it the runway it needs, because for most people in the pre-retirement phase, there’s more on the table than they realise.
If you’ve been meaning to look at this, consider this your nudge.
This is general advice only and does not take into account your personal financial situation. Please seek advice tailored to your circumstances.
Turns out the Jordans are non-negotiable. OnlyFans is still under consideration.
But in all seriousness, if someone’s pointed you my way and you’re not sure what to expect, here’s the honest answer.
No forms, no jargon, no pressure. Just a relaxed conversation about where you’re at and what you’re trying to figure out.
And… some jokes along the way.
Most of my clients come through referral, which means someone you already trust has already done this part. The first meeting is just your chance to see it for yourself.
Reach out whenever you’re ready.
Most families I talk to have never heard of education bonds. Which is a shame, because for the right situation they’re a genuinely clever structure.
After 10 years invested, withdrawals are tax-free. Before that, if you use the money for eligible education expenses, school fees, uniforms, TAFE, uni, you get an Education Tax Benefit that effectively refunds up to $30 for every $70 of earnings you withdraw for education costs.
They also sidestep the punitive tax rates that apply when you invest directly in a child’s name, and they can be set up to pass directly to a nominated beneficiary outside your estate.
Not the right fit for everyone, but for families with a long enough runway and a clear plan to fund education, they’re worth knowing about.
General advice only — please speak with a qualified adviser before making any decisions.
What’s happening in the Middle East right now has more impact on your financial future than most people realise.
Rising oil prices don’t just hurt at the bowser, they flow through the entire supply chain. Transport, logistics, food, white goods. If it moves by road in Australia, it costs more when fuel is expensive. That cost gets passed on to you.
And when the cost of living rises across the board, inflation becomes a problem again. Which means the RBA may need to respond.
We saw how that played out in 2022. I’m not saying we’re heading there again, but it’s worth understanding the connection between global conflict and your household finances.
Worth a watch if you want to understand why we’d all benefit from this conflict being resolved sooner rather than later.
General advice warning: This content is general in nature and does not take your personal circumstances into consideration. Please seek advice from a qualified professional before making any changes to your financial situation.
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