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The Ashworth family · Merewether

Welcome back, Daniel and Priya.

Valued at close of business 11 Nov 2026. All amounts in Australian dollars.

Net worth, all entities

$7,062,000

+$2,752,000 (63.9%) since Nov 2021

Investment growth, after fees

$2,362,000

Over 5 years

Money you added

$390,000

Super contributions and savings

Advice fee, last 12 months

$24,000

Fixed, including GST

Net worth over time

All entities, month-end values in AUD. Split into money you added and investment growth.

  • Investment growth
  • Money you added
Start, Nov 2021
$4,310,000
Now
$7,062,000
Money you added
$390,000
Growth
$2,362,000
Net worth each November, all entities
MonthMoney addedGrowthNet worth
Nov 2016$2,350,000$0$2,350,000
Nov 2017$2,428,000$212,000$2,640,000
Nov 2018$2,506,000$304,000$2,810,000
Nov 2019$2,884,000$496,000$3,380,000
Nov 2020$2,962,000$558,000$3,520,000
Nov 2021$3,220,000$1,090,000$4,310,000
Nov 2022$3,298,000$882,000$4,180,000
Nov 2023$3,376,000$1,344,000$4,720,000
Nov 2024$3,454,000$2,006,000$5,460,000
Nov 2025$3,532,000$2,873,000$6,405,000
Nov 2026$3,610,000$3,452,000$7,062,000

Allocation

By asset class across every entity, against your target bands.

  • Australian shares 20.8% In band

    Target 22% · band 18 to 26% · $1,468,200

  • International shares 15.4% In band

    Target 18% · band 14 to 22% · $1,089,000

  • Property 14.7% In band

    Target 14% · band 10 to 18% · $1,036,500

  • Fixed income 9.5% In band

    Target 12% · band 9 to 15% · $670,300

  • Cash 5.6% In band

    Target 4% · band 2 to 6% · $398,000

  • Private business 34.0% Above

    Target 30% · band 25 to 32% · $2,400,000

Bars show each class on a 0 to 40% scale. The shaded zone is the band and the tick is the target. Private business sits above its band until the sale settles. The proceeds plan moves it into super, the trust portfolio and cash.

Entities

Every structure we advise on for your family. Change is over the last 12 months.
Ashworth Fitout Co Pty LtdSale pending Company, 100% owned. Valued at the agreed sale price. $2,400,000 +$300,00014.3% 34.0%
Ashworth Super Fund SMSF, two members. Listed shares, fixed income and a commercial unit in Broadmeadow. $2,148,600 +$182,8009.3% 30.4%
Ashworth Family Trust Discretionary trust. Managed portfolio, education fund and term deposits. $1,327,000 +$100,1008.2% 18.8%
Daniel and Priya Ashworth Personal, joint names. Share portfolio, cash and an investment property in Cooks Hill. $1,186,400 +$74,1006.7% 16.8%
Total $7,062,000 +$657,00010.3% 100.0%

Next review

Tuesday 1 December 2026

10.00am to 11.30am. Newcastle office, or by video.

  1. Business sale: due diligence and the settlement timetable
  2. Super contributions before 30 June, using the CGT cap
  3. Topping up the education fund, as Priya asked
  4. Insurance once the business is sold
  5. Renewing your ongoing fee agreement

Papers arrive a week before. Your last review was on 2 September 2026.

Goals

Progress against the plan in your 2026 Statement of Advice.

  • Retire at 62

    On track

    Daniel steps back in March 2034 with an income of $180,000 a year in today's dollars.

    78% of the capital needed

    $4,662,000 of $5,980,000, excluding the business. The sale proceeds take you past it.

    Income target
    $180,000 a year
    Assumed return
    5.5% a year after fees
    Age Pension
    Not counted

  • Education fund

    On track

    Secondary and university costs for Isla (14) and Theo (11), held in the family trust.

    65% funded

    $121,400 of $186,000 by January 2033. Adding $1,500 a month.

    Isla
    University from 2030
    Theo
    University from 2033
    Held in
    Ashworth Family Trust

  • Business sale proceeds

    In progress

    Ashworth Fitout Co, agreed at $2,400,000. Step 2 of 5.

    1. Heads of agreement signed 12 Sep 2026
    2. Buyer's due diligence Due 15 Dec 2026
    3. Small business CGT concessions confirmed With your accountant
    4. Settlement Expected 26 Feb 2027
    5. Proceeds invested to plan March 2027
    Super contributions, both members
    $1,200,000
    Family trust portfolio
    $650,000
    Cash reserve, two years of spending
    $300,000
    Tax, legal and broker costs
    $250,000

Messages

With Eleanor. Replies the same business day, always from a person.

  1. Eleanor Hartigan

    Your September quarter report is in Documents. The short version: the investment portfolio returned 2.1% after fees for the quarter, a little ahead of its benchmark, and nothing needs changing.

  2. Eleanor Hartigan

    Hi Daniel and Priya. The buyer's accountant has asked for three years of management accounts. Ravi at your accountant's office has them and is sending them across today, so there's nothing needed from you.

  3. Priya Ashworth

    Thanks Eleanor. Should we top up the education fund before Christmas, or wait until the sale settles?

  4. Eleanor Hartigan

    Good question. I'd wait. The proceeds plan already sets money aside for it, and holding cash until February keeps your options open. I've put it on the agenda for 1 December.

Documents

Your advice, fee and investment records, newest first.

  • Annual fee disclosure statement 2026New

    PDF, 4 pages · 4 Nov 2026

  • Ongoing fee agreement: renewalAction needed

    PDF, 3 pages, signature needed · 4 Nov 2026

  • Quarterly investment report, September 2026

    PDF, 18 pages · 14 Oct 2026

  • Record of Advice: business sale

    PDF, 9 pages · 16 Sep 2026

  • Quarterly investment report, June 2026

    PDF, 18 pages · 15 Jul 2026

  • Statement of Advice 2026

    PDF, 42 pages, plus two-page summary · 18 Mar 2026

Fee disclosure

1 Nov 2025 to 31 Oct 2026

$24,000 paid for the year

Service
Family office, fixed annual fee
Includes GST of
$2,181.82
Paid as
12 instalments of $2,000
Commissions
None, and never a percentage of assets

Your agreement renews only when you sign it. Please sign by 30 Nov 2026.