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Together, we grow your wealth, protect your future, and empower you to enjoy the life you’ve worked hard to build.
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Our Services What we can help with

Family & Education Planning
Working through different life stages as a family can feel overwhelming, but it doesn’t have to be. We will help you take the stress out of financial planning, so you can focus on what truly matters- the special moments with your loved ones.
Here is how we can help:
- Budgeting for Parenthood: We’ll guide you on how much you need to save for pregnancy, parental leave, and life beyond the baby stage.
- Navigating Childcare Costs: We’ll help you understand early learning childcare costs and subsidies, so you can incorporate them seamlessly into your family budget.
- Planning Parental Leave: We’ll help you determine how long you can afford to take parental leave and the best time for you to return to work, based on your financial goals.
- Optimising Household Income: We’ll calculate the household income required to achieve your family’s wealth goals and plan for long-term education funding for primary and high school.
- Protecting What Matters Most: We’ll educate you on the ripple effects of these decisions on your insurance arrangements and estate planning, ensuring your family’s future is secure.

Personal Protection & Insurance
You insure your car and your home, but your greatest asset is your ability to earn an income. Protecting yourself and your family with the right insurance provides peace of mind and is essential to securing your financial future and achieving your goals.
Here is how we can help:
- Needs-Based Analysis: We’ll conduct a thorough review to determine the level of cover you need, balancing what’s essential with your personal preferences.
- Tailored, High-Quality Cover: We’ll help you obtain insurance that’s personalised to your unique situation, ensuring it aligns with your financial and family needs.
- Debt and Income Coverage: We’ll calculate the right level of cover to manage debts and provide for your family if the unexpected happens.
- Tax-Effective Structuring: We’ll guide you on whether to structure your insurance inside or outside superannuation, ensuring it fits seamlessly into your cash flow and wealth-building strategy.
- Estate Planning Integration: We’ll educate you on how your insurance arrangements impact your broader estate planning, so every piece of your financial puzzle works together.

Superannuation
Superannuation is one of the largest and most tax-effective assets you’ll own, making it a critical part of your retirement strategy. To get the most out of it, it’s essential to have your super structured in a way that aligns with your goals and financial future.
Here is how we can help:
- Assessing Your Fund: We’ll review your current superannuation fund to ensure it meets your needs and offers good value.
- Tailoring Your Investment Strategy: We’ll help you develop an investment strategy within your super that aligns with your goals and risk tolerance.
- Optimising Contributions: We’ll advise you on the types of contributions you should be making to maximise the tax benefits and grow your super balance.
- Reviewing Fund Insurances: We’ll assess any insurance policies held within your fund to ensure they are appropriate for your needs.
- Understanding Beneficiary Nominations: Superannuation doesn’t automatically form part of your estate or will. We’ll educate you on your beneficiary nomination options, including their tax implications, to ensure your wishes are fulfilled and your loved ones are looked after.

Retirement Planning
Retirement is a time to embrace new adventures and enjoy the life you’ve worked so hard to build. At this stage in your life, you deserve the confidence that your finances will support your plans and dreams.
Here is how we can help:
- Replacing Your Income: We’ll create strategies to replace your income through various sources, including superannuation pensions, lifetime annuities, and other income streams, ensuring your lifestyle remains comfortable.
- Minimising Taxes: We’ll explore tax-efficient strategies to help you keep more of your wealth during retirement.
- Maximising Government Benefits: We’ll help you understand and optimise any government benefits you may be eligible for, such as the Age Pension or a health care card, providing strategies to enhance these entitlements.
- Leaving a Legacy: Whether it’s providing for loved ones or supporting causes close to your heart, we’ll guide you in sharing your wealth in a tax-effective way that aligns with your wishes.

Financial Independence
Retiring early, or becoming ‘work optional’ can be achieved with thoughtful, strategic planning. We can help you create a clear roadmap to make your goals a reality.
Here i’s how we can help:
- Bridging the Gap Before Super Access: We’ll guide you on investing outside of superannuation to ensure you have the funds you need to support your lifestyle until you can access your super.
- Tailored Asset Allocation: We’ll help you design an asset allocation strategy that aligns with your specific goals and risk tolerance.
- Building Passive Income: Our advice focuses on investment strategies that generate passive income and support long-term wealth creation, so you can enjoy financial independence.
- Structuring Your Investments: We provide recommendations on how to structure your investments (whether it’s in your name, a family trust, company, or investment bond) to maximise efficiency and flexibility.
- Access to Trusted Specialists: If you need assistance with setting up or reviewing entity structures, we work closely with a panel of trusted accountants and lawyers to ensure every detail is covered.

Buying Property
Owning a home or completing a major renovation, is a significant milestone, but it’s essential to approach it in a way that supports your lifestyle and other financial goals. We’re here to help you balance the dream of homeownership with the reality of achieving your broader financial goals.
Here is how we can help:
- Defining What You Can Comfortably Afford: We’ll help you determine how much you can realistically afford, considering not just the amount a bank may be willing to lend, but also your lifestyle, other financial goals, and long-term plans.
- Analysing Investment Property Options: We’ll provide a thorough analysis of property investment scenarios, giving you the tools to decide whether to buy, keep, or sell a property with confidence.
- Stress Testing for Interest Rate Changes: Our stress testing ensures you understand how potential interest rate increases could impact your financial situation, so you can make informed, forward-thinking decisions.
- Reviewing Related Considerations: We’ll educate you on how buying property can affect your insurance arrangements and estate planning, ensuring all aspects of your financial life remain aligned.
- Connecting You with Trusted Mortgage Brokers and Buyers Agents: If you don’t already have a broker, we can connect you with our panel of trusted mortgage specialists to guide you through the lending process.
*Deline and Mazi Wealth are not authorised to provide advice on your ability to obtain or alter lending products, nor the suitability of existing credit products. You should seek advice from a licensed credit representative to obtain relevant advice.

Estate Planning
An estate plan is more than a will. It is about understanding who will control your assets and understanding who will make key decisions for you in the event you are unable to make them for yourself.
We make estate planning seamless by integrating it into your financial planning journey. Because we already know so much about you (your goals, family tree, and assets) we can provide tailored support and guidance to ensure your estate plan aligns with your broader financial strategy.
Here is how we can help:
- Collaborating with Your Lawyer: We’ll work closely with your estate planning lawyer to ensure your financial goals are incorporated and your wishes are reflected accurately.
- Asset Education: We’ll help you understand how your assets will flow in the event of your passing, clarifying which assets are covered under your will and which are not.
- Tax Strategy Guidance: We’ll explain the tax implications of different estate planning strategies, so you can make informed decisions that protect your loved ones.
- Beneficiary Reviews: We’ll review your superannuation and insurance beneficiary nominations to ensure they’re up to date and aligned with your intentions.
- Access to Trusted Specialists: If you don’t have an estate planning lawyer, we can connect you with our panel of trusted specialists to guide you through the process.
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