An inheritance from a loved one. A redundancy payout after years of service. The sale of a business you poured your heart into. The sale of the family home. This money represents something. A lifetime of work. A fresh start. A chance to set your family up. And you cannot afford to get it wrong.

You want answers to the big questions:

  • What if I make the wrong decision and lose it all?
  • Should I invest it now or wait until markets settle?
  • How do I grow this so it lasts — and maybe helps my kids too?
  • What’s the tax bill going to look like?
  • Who can I actually trust with advice?

What success looks like

01
Clarity on what your investment needs to achieve

Clarity on what your investment needs to achieve

Beyond just “growth” – we help you define what this investment needs to do. Fund your lifestyle? Support your kids? Create a legacy? Once we know what it’s for, we can structure it properly to get you there.

02
Investment portfolio tailored to you

Investment portfolio tailored to you

From Australian and international shares to ETFs, managed funds, sustainable investments and private markets we build a diversified portfolio based on your timeline, expectations and feelings about risk.

03
Confidence through market movements

Confidence through market movements

We’ll educate you and manage your emotions through the inevitable ups and downs. Your portfolio is structured so you never have to panic-sell during downturns. Market volatility becomes uncomfortable, not catastrophic.

Speech Marks

We help lump sum investors make confident decisions, so your investment becomes a foundation for long-term security.

Centaur Financial Advisers

Hugh Robertson, Nick Georgopoulos, Anthony Mirandilla

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How we help investors

Lump sum strategy

Lump Sum Strategy Assessment

We analyse your age, income, existing assets, debts, and goals to determine the smartest structure for your specific situation — super, investments, paying down debt, or a blend.

Tax Planning

Tax Planning and Structuring

Navigate the complex tax rules around lump sums — including capital gains on inherited assets, super contribution caps, and timing strategies that can save you tens of thousands.

Investing

Investment Portfolio Design

Build a diversified investment portfolio that balances growth and stability. We create the right mix of Australian shares, international shares, bonds, and property based on your timeline and risk tolerance.

Super Contribution

Super Contribution Strategy

If appropriate, we help you maximise super contributions using carry-forward rules, spouse contributions, and downsizer contributions.

Estate Planning

Estate Planning Integration

Update your will and estate plan to reflect your new financial position, and structure your assets so they pass to your loved ones tax-effectively.

Ongoing Investment Management

Ongoing Investment Management

Regular reviews and rebalancing to keep your investments on track as markets move and your life evolves — so you’re never left wondering if things are still working.

Lump Sum Investors FAQs

FAQs from Lump Sum Investors

Super offers incredible tax benefits — earnings taxed at just 15%, and tax-free in retirement. But it locks your money away until preservation age (55-60). If you need access sooner — for renovations, helping kids, or travel — investing outside super gives you flexibility. Often the best answer is a blend of both.

The key is not putting all your eggs in one basket — or rushing into decisions. We spread your money across different asset classes (shares, bonds, property, cash) based on when you’ll need it. The defensive portion protects you from market crashes. The growth portion builds wealth over time. This structure gives you both security and upside.

If you inherit property or shares and sell them, you may face capital gains tax on any increase in value since the original owner’s death. But there are exemptions and concessions available — especially for inherited homes. We help you understand the tax implications before you sell, and time the sale strategically if possible.

It depends on your interest rate, age, and other investments. Paying off your mortgage gives you guaranteed savings and peace of mind. But if you’re younger with a lower rate and can invest the lump sum for 10+ years, investing often wins mathematically. We model both scenarios for your specific situation.

Redundancy payouts can feel like a lifeline or a trap — depending on how you handle them. First, we calculate how long until you’re working again (if at all). Then we structure the money to cover your lifestyle gap, pay down any urgent debts, and invest the remainder for long-term growth. The key is not treating it like “free money” to spend, but capital that needs to work hard for your future.

This is why we don’t put everything in growth assets and invest gradually, rather than all at once. We build a mix: some in cash for immediate needs, some in defensive assets for stability, and some in growth assets for long-term returns. If markets crash, you’re not forced to sell at the worst time — you have buffers. And historically, markets recover. Time in the market beats timing the market.

Gold Coast Financial Advisers helping investors grow and preserve their wealth since 2009.

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