Estate Planning
Most people put this off until it’s awkward, late — or too damn late. Estate planning doesn’t win dinner party points. It’s uncomfortable, a little morbid, and somehow both “too soon” and “not urgent” — until it absolutely is. At Dialogue Financial, we don’t pretend this is fun. We do think it’s one of the most meaningful forms of financial management you’ll ever do. We’re not lawyers, we don’t draft wills.
What we do is make sure your wealth, superannuation, investments, and ownership structures actually line up with your wishes — instead of unravelling the moment you’re not around to explain them. That means checking what’s real, what’s assumed, and what gets ugly fast if left to chance. We do it carefully, quietly, and without ever turning it into a brochure lecture. This isn’t about dying. It’s about taking responsibility while you’re still the one holding the pen.
Superannuation Triggers
Ownership Structure Audit
Liquidity Stress Test
Executor Coordination
We help ensure your financial affairs align with your wishes — without drama, gaps, or posthumous surprises.
We’ve seen it too many times: a detailed will paired with a financial setup that ignores it completely. Superannuation? Often skips the will, family trusts, different rules again, joint accounts? Depends who blinks first.
At Dialogue Financial, we flag the places your estate could quietly fall apart — or at least cause confusion, resentment, or red tape hell. It’s not about fixing everything today. It’s about not pretending your affairs magically align just because the paperwork sounds grown-up. If there’s a mismatch, we’ll catch it — and suggest clean fixes, not legal doom scrolls.
There’s nothing glamorous about estate planning. It’s private, layered, and sometimes emotional. We’ve helped clients rewrite documents they thought were sorted. Undo strategies no longer relevant and identify tax risks they didn’t know they’d created. Our advice comes from experience. Sometimes it’s tightening the screws on something already thoughtful. Other times, it’s “wait… no one mentioned this before.” We review superannuation nominations, powers of attorney, life insurance flows, discretionary trusts, and whether any of it actually helps — or just looks smart on paper. This isn’t about morbid preparation. It’s about kindness to your future self, and to the people who’ll have to navigate this without you. Dialogue Financial works closely with your lawyer and accountant, or introduces ones who get it. Because the worst estate plans don’t fail in concept. They fail in execution — when people assume it’s “all covered.” We don’t assume. We check.
No, and that’s the trap – Super, trusts, companies, joint assets — most sit outside your will. We show you where the edges are — and how to smooth them.
Definitely not. If you own anything or care about anyone, you’ve got something worth sorting, age isn’t the qualifier — responsibility is key.
No, we complement them, our role is to ensure your financial structures don’t contradict your legal intent. No turf wars — just alignment.
It helps a lot. Clear structure reduces confusion. Confusion breeds conflict. We aim to catch the mess before it happens — not after.
Sometimes. If your estate needs liquidity, insurance can plug the gap. We’ll assess that clearly — and explain alternatives if needed.