A financial planning approach built around real life.
The Lifestyle Model
Your complete financial picture, mapped across your life.
Most financial advisers can tell you how your investments are performing. We do something different. We show you exactly what your money does across your entire lifetime - so every decision you make, from school fees to selling a property, has a number attached to it and a place on your plan.
The problem we solve
You earn a high income. You work hard. You own property and have super building up. And yet, somehow, it never quite feels like enough.
This is one of the most common experiences among executives and professionals in Australia. Income grows, and lifestyle quietly grows with it. Debt accumulates. Goals keep moving. And nobody has ever sat down with you to show you the full picture - what you have, what it needs to do, and whether you'll actually get to live the life you're planning for.
That's what we built The Lifestyle Model to do.
How The Lifestyle Model works.
Think of your financial life as a bucket. Money flows in from your salary, rental income, super, and investments. Money flows out through your living expenses, your goals, your debts, and your plans for the future.
Our job is to manage that bucket - making sure it never runs dry when it matters most, and making sure you're not holding back out of unnecessary fear.
The bucket fills. We map every source of income and assets available to you - salary, investment properties, superannuation, defined benefits, dividends and project how they'll flow into your financial life over time.
The bucket drains. We model your actual lifestyle costs, not a generic estimate. Overseas travel. School fees. Helping the kids with a deposit. The bathroom renovation. The things you actually want your money to do.
We find the gaps. The Lifestyle Model projects your income and expenses all the way to age 100, identifying exactly when your money might run short - and giving you options to change that, on your terms.
"Our job is simply to make sure your bucket never runs dry and that you spend your life actually living it, not just protecting it."
Peter Jacob, Founder, Alphington Private Wealth
Our Approach
-
A short Teams call to understand your situation and make sure we're the right fit for each other. We only work with professionals and executives with complex financial lives - so this is as much about you assessing us as the other way around.
-
Peter and Jodi work with you for 90 minutes to two hours - mapping your assets, income, liabilities, and life goals onto your Lifestyle Model. What does the overseas trip actually cost? When do the kids finish private school? What does retirement look like for you, not in a brochure? We build a real picture, with your real numbers.
-
Here's where The Lifestyle Model™ earns its value. Want to send four children to a top private school? Let's run it. Thinking of selling an investment property? We'll show you the impact. Considering downsizing in your 70s? We can model it right now. Every choice becomes a clear decision - not a guess.
-
Your Lifestyle Model™ isn't a document we file away. It's a living tool - updated as your life changes, revisited when decisions need to be made, and used every time you come to us with a new question. Think of it as your financial source of truth, held jointly between you and us.
The Lifestyle Investment Model.
Your portfolio is built around diversified, low-cost funds that provide wide market exposure across asset classes. As markets move and your portfolio drifts from its intended structure, we rebalance - systematically bringing it back into alignment. This keeps your risk at the right level and your strategy on track, even when the instinct to react to short-term noise feels compelling.
Crucially, every investment decision is governed by a rigorous, ongoing review process. Asset allocations, fund selection, and portfolio construction are continually tested against the latest academic research and market developments. Every decision - including the decision not to act - is intentional.
The result is an investment service that is sophisticated without being complicated, and evidence-based without being passive.
It works because it’s built on a foundation that most investment strategies never have: a precise understanding of what your money is actually for.
Once your Lifestyle Model is in place, we know exactly what your investments need to achieve - the return required, the time frames involved, and the level of risk that's appropriate for your situation.
Clarity is what makes our investment approach work.
We invest systematically. That means we follow a disciplined, rules-based process - not one driven by market headlines, short-term sentiment, or the latest investment trend. The vast majority of fund managers fail to consistently beat the market over time, so rather than paying a premium to try, we build portfolios designed to capture the broad returns that markets reliably deliver over the long term.