Philanthropy
Many of our clients believe that wealth comes with responsibility. In our experience, whether you donate your time, money, or experience, there are few decisions that are more personal and heartfelt. We believe your involvement should reflect your values and have a lasting impact.
- We provide strategic philanthropic strategies that enable you to make an enduring impact on your community and on future generations.
- We advise you how you can put your wealth to work in support of your preferred charity or cause
- Our advice recognises that how you give is just important as what you give
- We will evaluate appropriate gifting strategies, determine your needs, and create a comprehensive, efficient gifting plan
- You will have confidence over timing of your gifting, structuring and tax effectiveness to realise your vision
To arrange a confidential initial discussion:
Independent financial advice
Financial advice free from ownership conflicts, commissions and conflicts.Advice in your best interests
Australia’s most awarded independent financial planning practice.Transparent, fixed fee
The fee includes all services for the first year.All inclusive fixed fee
Fees are agreed up front before you commit to anything.Award winning financial advice
Quantum Financial provides award winning investment & financial planning advice.Australia's most awarded
Our advisors have been awarded Financial Planner, Investment Advisor & SMSF Advisor of the Year.Recognised experts
Among the most qualified and experienced advisors.Professional experts
Our planners are also qualified accountants, lawyers, SMSF experts & tax experts.
Super traps and opportunities for the new financial year
Key point: You should plan around any key birthdays in fiscal year 2021 to make the most of superannuation contribution windows.
Why you need to update your SMSF investment strategy
Key point: With the new financial year approaching, now is the time to bring your self-managed superannuation fund’s investment strategy up to date and stay in the ATO’s good books.
Dual SMSF investment strategy that ticks all boxes
Key point: Your DIY fund’s approach to diversification needs to act a benchmark for your auditor as well as offer you flexibility with the best direction for members.
Investing Insights: Flying above the danger zone
Below is our latest correspondence to clients. When there are big moves in markets,we communicate to clients proactively so they have the confidence they are best positioned.
How to pass on your SMSF wealth effectively
Key point: Smart self-managed superannuation fund estate planning ensures your wealth is passed to your loved ones in the most tax-effective manner.
Time for a portfolio fine-tune
Great investing ideas and portfolio management are different skills. Both are important but the latter goes well beyond making good individual investment decisions. If your current asset allocation is not
Why politicians need to understand the true nature of SMSFs
Digging behind ATO statistics shows mum and dad trustees are more likely to have less than $350,000 each in super, rather than boasting of harbourside mansions.
Great wall of debt & China finding its place in the world
Have you wondered why Huawei is always in the news? Wonder no more. We also examine the Great wall of debt, how China is finding its place in the world
Industry funds’ DIY options could help you keep franking credits
Key point: Own shares through an SMSF and concerned about losing revenue on them? There’s a way to continue owning them without losing out.
Complexity helps justify fees
Like the Wizard of Oz, as long as financial players can can hide behind complexity, consumers can believe financial gurus have the secrets.
Top 100 SMSFs control $8 billion
The Australian Taxation Office has a self managed super fund top 100. Among its greatest hits are the 100 SMSFs with the largest asset balances.
Banking royal commission: what SMSF investors need to know
While DIY super funds were not an area of concern, it will mean more transparency when dealing with financial advisers.
An SMSF action plan for 2019 to keep your fund running smoothly
Now is a great time to start planning how to get your self-managed super fund off to a cracking start. Mark these important tasks in your diary now.
Why inviting your kids into SMSF is a bad idea
While family members in accumulation mode could help soften the impact of Labor’s franking credit plan, don’t make it your first option.
SMSF tips: How to simplify your self-managed superannuation fund
When you take control of your family’s financial future, cut through complexity to meet your retirement goals.
How to keep your SMSF alive
The key is to find trusted advisers and start mentoring younger members of the family.
When to close your SMSF
In the right circumstances, there are good reasons to exit your SMSF and the vast majority of existing SMSFs will be closed at some stage.
New SMSF rules
From 1 July 2018, some of the biggest changes to super rules since 2007 commenced, including a raft of new acronyms (TBAR, TBA, TBC, etc). We have put together a summary
Client recipes
We love it when our clients share with us wonderful recipes and other great ideas. If you have something to share, please tell us.
Why SMSF advisers need to lift their game
Why the two SMSF reports from ASIC should be required reading for anyone in the DIY super industry.
SMSF tips: Should you really set up a self-managed superannuation fund?
For the work and effort involved in running your own fund, there should be significant benefits from day one.
Budget 2018 – What you need to know
Treasurer Morrison delivered the Federal Government’s 2018/2018 Budget on Tuesday night. We share our thoughts on the key issues that impact you.
Claire Mackay appointed to Board of AFCA
PRESS RELEASE – Minister Kelly O’Dwyer appoints Claire Mackay to Board of AFCA.
Who to include in your self-managed super fund
With the rule change allowing six rather than four members in an SMSF, how many members are right for you?
Fee for no service [Reforming financial planning]
In 2018, the Banking Royal Commission ‘revealed’ the issue of fees for no service. In 2009, Quantum Financial identified and proposed a solution to the issue of fees for service.
What does the Royal Commission mean for you?
Over the past few days, we’ve had a number of clients ask us “We have money with X Bank, does the Royal Commission matter? Am I at more risk?”
Planners way to go
“Alan Kohler applauds to young financial planners”. The article titled “Planners’ way to go” about Tim Mackay, his sister Claire Mackay and his father Bill Mackay was written by ABC TV’s Alan
Redesigning a business
“The fee-for-service model has been held up as a beacon for how the financial planning sector should operate… Tim Mackay shows how it can be done.”
Our advice to clients right now
If you’re worried about recent market volatility, read on.
What’s in a name? [Vodcast Ep5]
Our 5th Vodcast episode comes to you from our founder, Bill Mackay.
I’m a financial planner get me out of here
I’m a Celebrity, Get me Out of Here host Julia Morris awards the Excellence in Business Ethics Award to Quantum Financial.
Dad taught the value of independence
“Mackay is now among one of the most qualified and experienced planners in the industry.”
Quantum Mechanics
“Their level of knowledge and expert opinion across all aspects of financial matters has seen them gain an almost celebrity-like status.”
1 reason to invest in Bitcoin (and 13 reasons not to)
I’ve racked my brain and have come up with one reason to invest in Bitcoin. I’ve also come up with 13 reasons not to.
Alumni profile: Claire Mackay
Macquarie Law School recently profiled alumni Claire Mackay in an article titled “Business leader & investment advice guru”.
Top retirement destinations [Vodcast Ep4]
Many of our wonderful clients at Quantum Financial travel extensively in their retirement.
Most influential advisors
Recently Financial Standard recognised Quantum Financial advisors as among the most influential financial advisers in Australia.
History & types of life insurance [Vodcast Ep3]
Our 3rd Vodcast episode comes to you live from the Lloyds of London Building in London.
Thank you to our clients
We thank our wonderful clients for their continued loyalty in 2017 and wish them all the best for 2018!
Financially fabulous at Fox Sports
Claire had a wonderful time at Fox Sports for a QandA with their ‘FoxSquad’ female staff around how to be ‘financially fabulous”.
Evangelical about estate planning
“I often get asked what makes me so passionate about wealth planning for future generations?” Claire Mackay shares her views
Feedback from our inaugural Investor Seminar
In late 2017 we held the inaugural Quantum Financial Investor Seminar at the Sebel in Chatswood. The exclusive event was held for Quantum Financial clients and specially invited guests.
Passive investing sucks
Try this: Type ‘Danger of passive investing’ into Google. Then type ‘Danger of passive smoking’ into Google. Now compare the pair.
Investor Seminar
In late 2017 we held the inaugural Quantum Financial Investor Seminar at the Sebel in Chatswood.
Shakespeare and finance [Vodcast Ep2]
Our 2nd Vodcast episode comes to you live from Shakespeare’s Globe Theatre in London.
Sport & finance [Vodcast Ep1]
Our 1st Vodcast episode comes to you live from Lords, the traditional home of cricket.
Trust in a complex world
Trust in a complex world. Quantum Financial was recently profiled in The Australian newspaper as among the Top 50 advisers in Australia.
What Star Wars teaches us about finance
If you’re a Star Wars fan like us, here are some of the finance lessons you can take from the Star Wars movies. If you’re not, you’re probably never going to read this!
Count down to super changes
The new superannuation rules commence on 1 July. We have dedicated significant time and effort in analysing how the changes impact each of our wonderful clients.
Is it ever too early or too late to plan for your retirement?
In this NestEgg podcast, Claire Mackay discusses why it’s never too early or too late to plan for your retirement.
Would you take Buffett’s wager?
If I asked ‘Who is the most famous investor in the world?’ there is a good chance you would answer Warren Buffett. Buffett, the 86 year old billionaire Oracle of Omaha, is America’s second wealthiest
Your aged care options
At Quantum Financial we believe planning ahead for your finances is incredibly important as you age.
Super changes you need to know
Everyone is talking about superannuation.
Is inflation on the horizon again?
One of the key economic indicators we are keeping a keen eye on in 2017 and into 2018 is the potential return of inflation.
Voice Computing
In late 2016 and early 2017, Quantum Financial’s Tim Mackay travelled to Seattle, one of the largest US tech hubs after Silicon Valley.
Amazon is coming
Amazon is ubiquitous in Seattle. Amazon lockers (where you can pick up Amazon deliveries instead of having them delivered to your home or office) are common outside supermarkets.
We advocate Algorithm Accountability
Regular readers of our Investing Insights reports will know that we are fascinated by developments in technology that we think are likely to impact our financial lives and our lives more generally.
Progress on super changes
After a period of great uncertainty, in recent weeks the Federal Government has finally released the details of its planned changes to the superannuation rules.
Eye on the USA
As we all now know, on November 8, 2016 Donald Trump became US President-elect. He will assume office at his inauguration on January 20, 2017. Note: To accompany this latest Investing Insights analysis, we've put
Quantum Financial Quiz #14: US election trivia
With the USA electing its 45th President, test your US election knowledge with our quiz. Q1. Only 1 US President has been elected President 4 times. Who was it and which Amendment to the
Quantum Financial is moving office
Exciting news! Due to the support of our wonderful clients, we're growing & moving our office. “Same level of quality service, a different office” According to Bill Mackay, Chairman of Quantum Financial: “We are delighted to
Kochie & Claire discuss divorce & Brangelina
David Koch chats to Claire Mackay about the financial fallout from Brangelina and how to manage a divorce.
Kochie & Claire discuss changes to super
David Koch chats to Claire Mackay about the new rules in superannuation.
Claire discusses housing affordability (ABC Radio)
On ABC Radio 2BL James Valentine chats to Claire Mackay, Peter Switzer & John Daly on housing affordability.
New new Super reforms – what do you need to know?
“So this is the way the super reforms end, not with a bang but a whimper” (with apologies to TS Elliot)
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Client update on the election, markets and your super GalleryClient update on the election, markets and your super
Business owner exiting their business, Company head or division director, Established in private practice, Federal Budget, Investing Insights, Jet setting retirees, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds, Women
Client update on the election, markets and your super
We provide our updated research and analysis for clients post the 2016 Australian election.
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Client update on Brexit GalleryClient update on Brexit
Business owner exiting their business, Company head or division director, Established in private practice, Financial planning for doctors, Investing Insights, Jet setting retiree, Jet setting retirees, Managing family wealth, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds, Women
Client update on Brexit
We provide our updated research and analysis for clients post the UK Brexit vote.
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Advice for our jet setting retiree clients GalleryAdvice for our jet setting retiree clients
Federal Budget, Financial Planner of the Year, Financial planning, Financial planning for doctors, Independent financial advisor, Investing Insights, Jet setting retiree, Jet setting retirees, Managing family wealth, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds
Advice for our jet setting retiree clients
We summarise the key issues for our jet-setting retiree clients following the material super changes announced in Budget 2016.
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Advice for our pre-retiree clients GalleryAdvice for our pre-retiree clients
Business owner exiting their business, Company head or division director, Established in private practice, Federal Budget, Financial Planner of the Year, Financial planning, Financial planning for doctors, Independent financial advisor, Investing Insights, Managing family wealth, Responsible for managing family wealth, Retirement planning, Self Managed Super Funds, Transition to retirement
Advice for our pre-retiree clients
We summarise the key issues for our clients in their mid 50s to mid 60s following the material super changes announced in Budget 2016.
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Advice for our turbo charger clients GalleryAdvice for our turbo charger clients
Business owner exiting their business, Company head or division director, Established in private practice, Federal Budget, Financial Planner of the Year, Financial planning, Financial planning for doctors, Independent financial advisor, Investing Insights, Retirement planning, Self Managed Super Funds
Advice for our turbo charger clients
We summarise the key issues for our clients in their mid 40s to mid 50s following the material super changes announced in Budget 2016.
Uncertainty around the super changes
Here we outline the 4 key uncertainties around the super changes proposed by the Government.
The orange one
The possible election of Donald Trump could have a significant impact on markets.
Quantum Financial Quiz #13: EU trivia
As the UK contemplates Brexit, test your European Union knowledge with our quiz.
How to reform finanicial planning
In 2009 Quantum Financial was one of the very few independent financial planning practices in Australia asked to appear as expert witnesses before a Joint Parliamentary Committee.
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Changing gears in Europe GalleryChanging gears in Europe
Business owner exiting their business, Company head or division director, Established in private practice, Financial planning, Financial planning for doctors, Investing Insights, Jet setting retiree, Jet setting retirees, Managing family wealth, Responsible for managing family wealth, Self Managed Super Funds, Women
Changing gears in Europe
Our recommendation – Changing gear in Europe. This is our revised Investing Insights advice for clients based on the ongoing Brexit issue.
Who is The Independent Financial Advisor?
It’s an intriguing mystery! Just who in Australia is The Independent Financial Advisor?
Claire Mackay appointed to APESB Board
Award-winning independent financial advisor Claire Mackay appointed to the Accounting Professional & Ethical Standards Board (APESB).
Live within your means: budget brilliantly
A recent article in the Sydney Morning Herald Money section titled ‘Live within your means: budget brilliantly’ highlighted Claire Mackay’s views on the topic.
Why ‘the bank of Mum and Dad’ isn’t helping anyone
A recent Daily Life article discusses the trend for parents to continue to give money to their offspring well into adulthood.
How to protect your retirement?
A recent ABC article explains what low interest rates really mean for retirees and savers.
Here’s how much money is at stake in the super changes
A recent article in Business Insider shared Quantum Financial’s detailed research into the superannuation changes in Budget 2016.
Our views on Budget 2016 (ABC TV)
Independent financial planner Claire Mackay shares her views on Budget 2016 on ABC TV.
UPDATED Budget 2016 Survival Guide
Welcome to the UPDATED version of our Investing Insights Report special 2016 Federal Budget edition.
Our election outlook (or why elections don’t matter)
The July 2 Australian Federal election will be of great interest to many of our clients. In truth, in the same way the country appears split down the middle 50/50 between Mr
What wealthy people need to do because of Budget 2016
Budget 2016 was the night the superannuation world shifted on its axis. Everything changed.
David Koch leads expert Budget panel
In the wake of the super changes in Budget 2016, Claire Mackay shared her views with Telegraph (Sydney), Advertiser (Adelaide), Courier Mail (Brisbane) and Herald Sun (Melbourne) readers.
Budget 2016 Survival Guide
Welcome to our Investing Insights Report special 2016 Federal Budget edition.
The Budget that killed SMSF growth
Cluedo, the great detective game: “I think it was Mr Morrison in the billiard room with the Budget”
Quantum Financial Quiz #12: Budget Trivia
Test your Budget knowledge with our Budget 2018 quiz.
Top 10 hidden Budget secrets
We broke into the lock up and delved through the budget papers to bring you the changes that the politicians don’t want you to know.
Claire chats with Libby and David Koch
Claire Mackay chats with David and Libby Koch about all things financial.
How to best prepare for Budget 2016
Tim Mackay shared his views on how savvy investors should best prepare for Budget 2016 in SMSF Adviser Magazine.
“Transparent fee for service model”
“I chose Quantum as my advisors because of their transparent fee for service model rather than a commission based approach. In addition to the transparency, I’ve also found that Claire and Tim Mackay are super
“Treat us as people, rather than just clients and more importantly as a family”
“The two main reasons why we chose Quantum were that unlike many other financial advisors, Quantum charge a fee for service rather than lining their pockets with commissions. Reason number two is that they are
“We chose Quantum because of their professionalism, their reputation”
“We’ve learned a lot over the years of working with Claire and Tim. After all we want to achieve two things – (1) Achieving a better financial position (2) A simpler administrative process to grow our
“An enormous burden has been lifted off my shoulders”
“I was looking for someone whom I could trust to look after the affairs of my elderly and not very mobile mother.” David, Doctor and Professor of Haematology
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Lessons on running a successful business GalleryLessons on running a successful business
Business owner exiting their business, Company head or division director, Financial Planner of the Year, Financial planning, Financial planning professionalism, In the community, Independent financial advisor, Investing Insights
Lessons on running a successful business
In 2016 Quantum Financial directors Tim Mackay and Claire Mackay were honoured to be asked by the Australian Institute of Company Directors to present at their inaugural conference in Melbourne. The theme for the inaugural
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Our advice to clients right now GalleryOur advice to clients right now
Business owner exiting their business, Company head or division director, Established in private practice, Financial planning, Independent financial advisor, Investing Insights, Jet setting retirees, Responsible for managing family wealth, Self Managed Super Funds, Women
Our advice to clients right now
10 years ago when I was a research analyst periods of market volatility were absolute hell. The phone would ring red hot with fund manager after hedge fund manager after fund manager demanding to know
Quantum Financial Quiz #11: Share markets
We love finance and we love trivia. You can test your finance trivia knowledge with the following questions.
“I expect my financial advisor to be active on my behalf & have my money work for me”
“Above all, they provide me with sound financial advice, are very professional, knowledgeable and good communicators.” Barry and Eileen, Retired senior executive
“Level of communication and transparency is nothing short of outstanding”
“The fact that it is a family business, which their father has built up, gives me the confidence I have chosen the right advisors. I also appreciate the fact that their father continues to be their
“I’m a medical doctor, with a booming practice”
“Claire acts as my financial controller. She’s proactive and sorts out my personal and business tax obligations including BAS, worker’s compensation, insurances etc., which takes a major burden off my shoulders and gives me peace
“Trust and mutual respect”
“I have a professional finance background and could handle my finances myself. They’re not the cheapest financial planners by any means, but I’m happy to pay a fee that is fair and transparent.” Stephen and
“They are here for us, willing and ready to listen and help”
“Being in our mid 50’s, we thought it was time for us to get our financial future structured in a way that provides us with the security we need in our retirement.” Maureen and Sanjay,
“I knew I needed a financial advisor that I could trust implicitly”
“After the sudden death of my husband, I felt very vulnerable and I knew I needed a financial advisor that I could trust implicitly.” Lee, Widow
“What really struck me was the process, the method and their communication”
“We were looking for truly independent financial advice” Lucy and Steve, Australian Defence Force
“Allowing us to retire in as much comfort as possible”
“We wanted to ensure our financial future was structured effectively, allowing us to retire in as much comfort as possible and we felt that we needed some professional support and guidance.” Michael and Karen, Doctor
“They care about my wellbeing and they keep me well informed”
“Claire and Tim Mackay, Bill’s children, have now taken on the business, and I can only say that both of them are looking after me as well as their father did. They both are highly
“Gives me a great deal of peace of mind”
“My wife is not good with numbers. And it gives me a great deal of peace of mind to know that should something happen to me, Bev can 100% trust the advice given by Claire
“No hesitation recommending Quantum Financial”
“My focus is to build wealth and I need strategies to be able to achieve that. However, I really don’t have time to keep myself informed and updated as to what the financial markets are
“It’s ironic that a ‘rejection’ can actually make you feel good.”
“One of the hallmarks of a true professional is admitting they can’t actually help.” Jay, Finance executive
Quantum Financial Quiz #10: Insure that risk!
We love finance and we love trivia. You can test your finance trivia knowledge with the following questions.
“One of my favourite financial planners, Claire Mackay of Quantum Financial in Sydney”
Alan Kohler, respected ABC TV & Eureka Report finance expert
“I have gone to Tim and Claire Mackay at Quantum Financial to seek their views”
Adele Ferguson, Multi Walkley & Logie award winning Fairfax finance journalist
‘Stay the course’
John Bogle, Investing legend, Founder of Vanguard
“Our resident financial planner”
David Koch, Channel 7 finance expert
Fintech – P2P (peer to peer) lending
In much the same way Uber has disrupted the taxi industry and Airbnb the hotel industry, expect FinTech (financial technology) to start to disrupt the finance industry in 2016.
What is Blockchain?
Blockchain is quite a complicated topic so let us break it down for you.
Quantum Financial Quiz #9: Movie stars and finance
We love finance and we love trivia. You can test your finance trivia knowledge with the following questions.
50 things you didn’t know a financial planner should do for you
One of my friends recently asked me “What does a financial planner actually do?”. To be honest, until I entered the profession I wondered very much the same thing myself.
Australia’s most awarded financial planning practice
In 2015 Quantum Financial became Australia’s most awarded financial planning practice.
Why is independent important? (Part 1)
On the fourth day of independence, we examine why it can be important that your advisor is independent.
Where can you find Australia’s independent financial planners?
There is one independent financial planner in Australia for every 319,000 people. By comparison, Australia’s 10th biggest city Wollongong has only 290,000 people. So clearly independent financial planners are as rare as hen’s teeth and
Libertatem non sufficit… or Independence is not enough
On Monday we shared with you our Declaration of Independence. As Christmas approaches, we share with our wonderful clients and friends of Quantum Financial the 12 Days of Independence. On the second day of independence, we explain
Quantum Financial Quiz #8: Break the bank
We love finance and we love trivia. You can test your finance trivia knowledge with the following questions.
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“With so many conflicted planners operating in this country it is important to have a voice that stands out for those planners who have embraced a model that promotes their clients’ interests.” Gallery“With so many conflicted planners operating in this country it is important to have a voice that stands out for those planners who have embraced a model that promotes their clients’ interests.”
“With so many conflicted planners operating in this country it is important to have a voice that stands out for those planners who have embraced a model that promotes their clients’ interests.”
Adele Ferguson, Multi Walkley & Logie award winning Fairfax finance journalist.
Quantum Financial’s Declaration of Independence
The rise of independence
Time to fire your advisor?
Disposing of the services of a financial advisor shouldn’t be done after one or two bad patches, but if there is a reason to part ways, then the quickest way is best.
A rough guide to establishing an SMSF
Last month we introduced self managed super funds (SMSFs), the fastest growing area of super.
Financial planning, with integrity
Financial planning requires attention to detail and a structured plan.
Will you outlive your money?
It is never too early to plan retirement, because gambling with your future is not to be advised.
The best investment strategy
Rather than hoping all your investments outperform the market, there is another approach that can help maintain an upward trajectory for your bottom line.
Financial lessons from the Olympic Games
For many, the Olympics is a fun and welcome distraction from the ongoing economic uncertainty. With the saturation media coverage, it’s difficult not to be moved and inspired by epic stories of success and near
Give investing a try
Although you may find it hard to believe, there are many things that make for both a great tactical rugby game plan, and a great investment strategy.
Children and money
Now might be a good time to think about how and what your children will learn from your financial behaviour.
How to manage the financial fallout from a divorce or separation
How do you manage the financial fallout of heartbreak?
The ethics of the Wolf of Wall Street
Tim Mackay takes aim at Hollywood’s portrayal of someone who destroyed lives, yet is being celebrated through the medium of film.
Transition to retirement
Those heading towards their retirement should take stock of where they are today, and where they want to be at retirement.