tailored investment advice

We design investment portfolios aligned with your goals, risk tolerance, and time horizon – whether you’re building wealth or preserving it.

portfolio management

Ongoing monitoring, rebalancing, and strategic adjustments to ensure your investments stay on track and aligned with market conditions.

geared investment strategies

For suitable clients, we explore borrowing to invest as a way to accelerate wealth creation, with careful risk management.

sophisticated & exclusive investment opportunities

Access to high-quality, often exclusive investment options not typically available to retail investors.

SMSF Establishment & Advice

Bartons helps you set up and manage your Self-Managed Super Fund, ensuring it aligns with your long-term strategy and compliance obligations.

SMSF administration & compliance

Our in-house team handles the day-to-day admin, reporting, and regulatory requirements – so you can focus on outcomes, not paperwork.

trustee guidance

We support trustees with clear, practical advice on their responsibilities and strategic decisions.

super SA triple S expertise

We have deep knowledge of the Super SA Triple S scheme – especially valuable for South Australian public sector professionals, including doctors.

retirement modelling & strategy

Visualise your retirement income, spending, and lifestyle options with detailed financial modelling.

super contributions, redundancy & transition to retirement planning

Navigate career changes or redundancy with confidence, including tax-effective use of payouts and super contributions.

centrelink guidance

Maximise your entitlements and understand how your assets and income affect eligibility.

tax-effective structuring

We help you structure your investments, income, and super contributions to minimise tax and maximise after-tax returns.

estate & succession planning

Ensure your wealth is passed on according to your wishes, with minimal stress or tax burden for your beneficiaries.

beneficiary planning

Strategically nominate beneficiaries across your super, insurance, and estate to align with your broader legacy goals.

Bartons has been serving clients for over six decades – a legacy built on trust, results, and long-term relationships.

Wealth Management, Financial Planning, Personal Insurance Advice, Lending Advice, Accounting, and SMSF administration – all under one roof, working together to deliver seamless, coordinated advice.

Deep understanding of medical career pathways and public sector superannuation, including complex SMSF scenarios.

We thrive on solving tricky financial challenges with clarity, care, and a focus on long-term outcomes.

situation

A dual-income couple in their early 40s with two young children approached Bartons. Both professionals, they had strong cash flow but lacked a cohesive strategy for building long-term wealth. They were unsure how to balance mortgage repayments, school fees, and investing for the future.

why they sought advice:

They wanted to make smarter use of their surplus income, reduce tax, and ensure they were on track for financial independence – without compromising their lifestyle or children’s education.

bartons’ integrated solution:

• Developed a tailored investment strategy using a combination of geared and non-geared investments
• Set up a family trust for tax-effective wealth accumulation
• Reviewed and optimised their super contributions
• Coordinated with our in-house lending team to restructure their mortgage for better cash flow
• Created a financial model to project long-term outcomes and track progress

outcome

The couple gained clarity and confidence in their financial direction. They now have a structured plan to build wealth, reduce tax, and fund their children’s education – all while staying on track for early retirement.

situation

A high-income executive, age 58, was still working full-time and had accumulated significant superannuation and investment assets. However, he had no clear retirement date or income strategy and was concerned about market volatility and tax efficiency.

why he sought advice:

He wanted to understand when he could realistically retire, how much income he could draw, and how to structure his assets to minimise tax and risk.

bartons’ integrated solution:

• Built a detailed retirement model showing income projections under various retirement ages
• Rebalanced his investment portfolio to reduce risk and improve diversification
• Established a transition-to-retirement strategy to optimise super contributions and tax
• Coordinated with our accounting team to restructure his business income
• Reviewed estate planning and beneficiary nominations

outcome

He now has a clear retirement date, a tax-efficient income strategy, and peace of mind knowing his wealth is structured to support his lifestyle and legacy goals.

situation

A recently retired couple, both aged 64, had just finished work and were unsure how to draw income from their super and investments. They were concerned about outliving their savings and navigating Centrelink entitlements.

why they sought advice

They needed help turning their accumulated wealth into a reliable, tax-effective income stream – and wanted to ensure their estate was in order.

bartons’ integrated solution:

• Created a retirement income strategy using account-based pensions and investment income
• Structured their assets to maximise Centrelink entitlements
• Reviewed and updated their wills, powers of attorney, and super nominations
• Provided ongoing portfolio management and regular reviews
• Coordinated with our in-house SMSF team to manage compliance and reporting

outcome

The couple now receives a stable, tax-effective income and has confidence their money will last. Their estate is structured to pass on wealth efficiently and in line with their wishes.

situation

A 38-year-old specialist doctor had recently completed training and was earning a high income through both public and private work. She had minimal financial structure in place and was unsure how to manage her income, tax, and super.

why she sought advice

She wanted to get organised, reduce tax, and start building long-term wealth – but didn’t have time to manage it all herself.

bartons’ integrated solution

• Set up a tailored investment strategy and regular savings plan
• Established a discretionary trust for tax-effective wealth building
• Provided specialist advice on the Super SA Triple S scheme and additional contributions
• Coordinated with our in-house accounting team to manage business income and deductions
• Introduced insurance and estate planning to protect her growing wealth

outcome

She now has a clear financial structure, reduced tax burden, and a long-term plan for wealth creation – all managed through a single, integrated relationship with Bartons.

Not at all. While we work with many high-net-worth individuals, we also help clients who are on the path to building significant wealth – especially professionals in their 40s and 50s with strong earning capacity. We also have specialist knowledge in helping younger doctors establish themselves financially early in their careers.

Yes. We have deep expertise in the Super SA Triple S scheme, which is particularly relevant for South Australian public sector workers, including doctors. We can help you understand your options and make the most of this unique fund.

An SMSF is a private super fund that you manage yourself, offering greater control and flexibility. It’s not for everyone – but if you’re financially engaged and want more say in your investments, Bartons can help you assess whether it’s a good fit and manage the setup and administration.

Our process is designed to be clear, collaborative, and tailored to your needs. It typically includes:

• An initial discovery meeting to understand your goals and current position
• Strategy development and presentation of tailored recommendations
• Implementation of your plan, including coordination with our in-house specialists
• Ongoing reviews and adjustments to keep your plan aligned with your life and goals

We guide you every step of the way – no jargon, no pressure.

We offer transparent, tailored pricing based on the complexity of your needs. During your initial consultation, we’ll explain our fee structure clearly so you know exactly what to expect – no surprises.

Your first meeting is all about understanding your goals, current financial position, and what matters most to you. There’s no obligation – just a chance to explore whether Bartons is the right fit to help you move forward.