Who we work with
You're earning well. The structure hasn't caught up.
A strong income, often two. A mortgage big enough that it's a strategy, not just a debt. Super, shares, maybe a property or a business, collected in the order life happened rather than in any order that makes sense.
Some of our clients are building towards that. Others have already built it, and want it managed calmly and well. Either way, the job is the same.
Holding all of it at once, and telling you the truth about what it adds up to.
Is this you?
- You have spare income, or a lump sum, that isn't working as hard as it could
- Your money is spread across super, property, shares and perhaps a business
- Your mortgage could be part of a growth strategy, not just a debt to pay off
- Your decisions now carry five-figure tax consequences
- Retirement is the goal, and you want to know you're on track
Not quite there yet? Miles will tell you honestly, and tell you what to do first.
Every stage of life
What you need from an adviser changes. Five times, roughly.
Nobody needs the same advice at 40 that they need at 62. Plans are built for where you are now, then recalibrated as your life changes: a new job, an inheritance, a sale, the kids leaving home.
- Building35–45
Income is arriving faster than the structure around it. Debt is the biggest lever you have, and the least well used.
What Vero doesGets the structure right while the numbers are still small enough to move.
- Compounding45–55
Your assets have started doing the work, and the complexity came with them: contribution caps, trusts, school fees, ageing parents, a business that's suddenly worth something.
What Vero doesMakes the pieces work as one system, and stops the one expensive decision.
- The pivot55–65
Sell, step back or slow down. The question has changed from how much more to how much is enough.
What Vero doesAnswers that question with numbers, then structures what comes after it.
- Drawing on it65+
You want to live off what you've built without checking the balance every morning.
What Vero doesTurns what you've built into an income you can rely on.
- Handing it onWhenever it starts
Estates, structures, and the first real conversation your children have about money.
What Vero doesIs in the room for that one, usually as the calmest voice in it.