Emerging Leaders
Balancing family, career, and financial growth.
As an Emerging Leader you’re building your career, raising a family, and managing growing financial complexity, all while striving to protect what you’ve built and keep progressing.
But questions keep piling up: Am I paying too much tax? Should I borrow against my equity? How do I balance family holidays with long-term savings? And most importantly — how do I protect my family if something unexpected happens?
At Altitude, we help you simplify the complex. With our team beside you, you can focus on your family and career, knowing your financial goals are under control.
EMERGING LEADERS
Starting your journey
YOUR GOALS
- Pay down your mortgage faster
- Build long-term financial security
- Protect your family’s future
- Grow assets and maintain lifestyle
YOUR CHALLENGES
- How do I juggle lifestyle and finances?
- Am I making the most of my income and tax strategies?
- How can I protect what I’ve built so far?
- Where will I find the time to manage it all?
HOW WE HELP
Organise and structure your finances.
Streamline cash flow, tax, and debt reduction.
Safeguard your assets and plan for the future.
SERVICES FOR EMERGING LEADERS
Financial Planning
Tailored cash flow strategies that balance today’s lifestyle with tomorrow’s wealth. Protection planning (life, TPD, income insurance) to keep your family secure.
Accounting & Tax
Minimise tax to maximise disposable income. Structure mortgage repayments and investments with smart tax outcomes in mind.
Technology Solutions
Dashboards that track family expenses, debt repayment, and savings goals. Real-time insights so you know exactly where you stand.
FAQ’S
Questions & Answers for Emerging Leaders.
Got questions? We’ve got you covered. Here are some quick answers to help you with the Emerging Leaders Stage.
- How can I reset/reorganise my finances to alleviate financial or cash flow stress?
At this stage in your life, your cash flow may seem fine, but you’re struggling to get ahead. The first step is identifying how much you are spending and where. From there, your adviser can help you with prioritisation and identify areas for potential savings, and suggest ways to allocate funds for debt repayment and investment. Taking these proactive steps will help you regain control of your finances and work towards long-term stability and growth.
- Should I borrow against the equity in my house to invest?
Borrowing against the equity in your home to invest involves risks and careful consideration. While it can provide access to capital for potentially higher-return investments, it also amplifies financial exposure and risk. When considering whether such a strategy is right for you, our advisers will assess your financial goals, risk tolerance, the stability of income, and the potential returns of the investment as part of any recommendation.
- How can I turn around my developing debt while raising a family?
Balancing financial responsibilities can be tough when you’ve recently purchased a home, are paying off a car, and planning a family holiday. While it’s natural to want the best and enjoy life, it’s crucial to find a better balance to build your financial future. We can help you find the ideal spending-to-saving ratio that allows you to live the lifestyle you desire while still progressing towards your long-term goals. Through our financial planning process, we can identify if you’re living beyond your means and in need of a reset or clarify that you can comfortably achieve your goals without unnecessary sacrifices. Knowledge is key to making informed decisions.
- How many holidays can I afford?
The number of holidays you can afford depends on your individual circumstances and goals. We are dedicated to making it work for you, tailoring a plan that aligns with your financial aspirations while maintaining a secure future.
- How can I protect my family's needs in case something goes wrong?
If you are the primary provider for your family, it’s essential to prepare for unexpected circumstances. Life insurance policies such as TPD, life cover, and income protection can provide the necessary protection to keep a roof over your family’s heads and cover ongoing costs, should the worst happen. We can assist you in selecting the right amount and the best coverage to provide you with security and peace of mind.
- How will I find the time to manage all of this?
We offer a full-service solution that takes the burden off your shoulders. By delegating tasks to us, we can guide you on what needs to be done, keep track of your progress, and ensure your accountability through annual progress meetings. If circumstances change, we’ll adjust the plan accordingly. When unexpected events arise, we can reorganise all the factors with minimal worry on your part.
- What is the best structure for my business and why?
The right structure depends on your goals. Sole traders and partnerships are simple and low-cost but offer limited protection. Companies provide stronger liability safeguards and tax planning opportunities, while trusts offer flexibility and asset protection. Often, a combination delivers the best outcome.
Key factors to consider:
- Tax efficiency: Rates, income splitting, and CGT concessions.
- Asset protection: Shield personal assets and manage risk.
- Compliance & cost: Set-up and ongoing obligations.
- Funding & exit: Investor readiness and succession planning.
- Flexibility: Ability to adapt as your business grows.
Choosing the right structure is complex and personal. At Altitude Advisers, we help you compare options, minimise tax, and protect your future.
- PAYG vs ABN Income – What’s the Difference?
Getting paid under PAYG (Pay As You Go) means your employer withholds tax and often covers superannuation, making compliance simple. ABN income, on the other hand, puts you in control—but also responsible—for tax, GST registration (if applicable), super contributions, and business expenses.
Key things to know:
- PAYG: Tax withheld automatically, less admin, fewer deductions.
- ABN: Greater flexibility, potential to claim business expenses, but more reporting and compliance obligations.
- Cashflow impact: ABN income requires setting aside tax and super yourself.
- Risk & liability: ABN work may involve insurance and legal considerations.
Choosing the right approach depends on your work arrangement, goals, and risk appetite. At Altitude Advisers, we help you understand the pros and cons, manage compliance, and maximise your tax position.
Not sure which suits you best? Talk to our expert accountants today.
- What tax considerations should I keep in mind when buying an investment property?
There are a number of factors that can impact your investment property strategy, including:
- Deductible Expenses: Interest on your loan, property management fees, repairs, insurance, and council rates are typically tax-deductible, assuming the property is either tenanted or on the rental market ready for a tenant to move in.
- Depreciation: A professionally prepared depreciation schedule can help you claim depreciation deductions on the building and certain assets over time.
- Capital Gains Tax (CGT): When you sell, CGT may apply—planning ahead can help minimise its impact.
- Ownership Structure: Whether you buy in your own name, jointly, through a trust, or an SMSF can significantly affect tax outcomes.
- Negative Gearing: While it can reduce taxable income, ensure the investment is sustainable beyond tax benefits.
Every situation is different, and the right approach depends on your goals and financial position. For tailored advice that maximises deductions and avoids costly mistakes, speak with an accountant at Altitude Advisers.
YOUR TEAM
Meet Your :
YOUR TEAM
Meet Your Team:
Jamie Eames
Jamie is an enthusiastic and dedicated Financial Adviser who has been with Altitude since March 2019. As a highly valued member of our Financial Planning team, Jamie is committed to helping his clients gain the knowledge and skills they need to make informed financial decisions. He is adept at breaking down complex financial concepts and strategies into easy-to-understand terms, empowering his clients to take control of their finances and achieve their goals.
Jamie’s commitment to excellence extends beyond the office. He is an avid sportsman, regularly participating in TRL, and enjoys taking his dog, Banjo, for long walks. Jamie’s passion for life, coupled with his expertise in financial planning, makes him an ideal partner for anyone looking to build a brighter financial future.
Qualifications
Bachelor of Commerce, Griffith University
Master of Financial Planning, Kaplan
Currently registered with ASIC as a Financial Adviser (no. 1301752)
Experience
Working in financial planning since 2019
Speciality
Encouraging young Australians to get started — building strong foundations for their financial future.
YOUR TEAM
Meet Your Team:
Adam Camac
Adam is passionate about helping clients simplify complex financial decisions and achieve their long-term goals with confidence. He provides holistic financial advice tailored to each client’s circumstances, covering areas such as investments, superannuation and self-managed super funds (SMSFs), retirement planning, family trust and company structures, salary sacrifice strategies, corporate share plans, personal insurance, financial projections, and goal tracking. His focus is on helping clients make informed decisions, save time, and build lasting financial security and peace of mind.
Qualifications
Bachelor of Business (Banking & Finance), Queensland University of Technology
Graduate Diploma in Applied Finance, FINSIA/Kaplan
Diploma of Australian Taxation Law, Tax Institute Australia
CERTIFIED FINANCIAL PLANNER® (CFP®), Financial Planning Association
Registered Tax (Financial) Adviser, Tax Practitioners Board
Experience
Providing financial planning advice to clients across wealth creation, retirement planning, superannuation, and tax-effective financial strategies.
Authorised Representative since 2012
Specialty
Helping high-income earners and retirees optimise structures and secure long-term financial freedom.
YOUR TEAM
Meet Your Team:
Janik Hrabovcak
Since starting at Altitude in 2008, Janik has been able to acquire a higher level of technical knowledge around financial strategies, Superannuation, Centrelink benefits, investments and insurance. He specialises in Financial/Strategy Projections and is able to accurately quantify what you need to achieve (i.e. save, spend or invest …) in order to accomplish your financial and lifestyle goals. He enjoys putting together effective strategies so that his clients can “Live for the now, but not sacrifice the future.” When not hard at work, Janik enjoys spending his spare time with his family.
Qualifications
Bachelor of Commerce (Financial Planning), Griffith University
Graduate Diploma of Financial Planning, Kaplan
Experience
Assisting clients with their financial planning needs since 2008
Speciality
Empowering individuals to grow and protect their wealth through smart strategies.
YOUR TEAM
Meet Your Team:
Mitchell Riley
Since joining Altitude in 2019, Mitchell has progressed through the firm, becoming a Senior Accountant and, in 2026, Accounting Manager. Throughout his career, he has developed extensive experience providing taxation and accounting services across a broad range of entity types, including individuals, companies, trusts, partnerships, and self-managed superannuation funds. Currently completing his Chartered Accountant (CA) studies, Mitchell is focused on delivering practical solutions and trusted guidance to help clients manage their financial and tax matters with confidence. Passionate about taxation, he enjoys helping clients navigate complex tax matters and achieve the best possible outcomes through practical, tailored advice.
When he’s not at work, Mitchell enjoys spending time outdoors, keeping active through sports, and discovering new music.
Qualifications
Bachelor of Commerce (Accounting), Griffith University
Experience
Mitchell has extensive experience providing accounting and taxation services to a diverse range of clients, including individuals, companies, trusts, partnerships, and self-managed superannuation funds. He also advises on business and investment structures, helping clients navigate complex tax matters while implementing practical strategies to support their financial goals and long-term success.
Speciality
Helping business owners, investors, and retirees optimise their tax positions, implement effective structures, and build long-term financial success through proactive taxation and accounting advice.
YOUR TEAM
Meet Your Team:
Jake Fichera
Graduating from Griffith University with a Bachelor of Commerce, majoring in Accounting, Jake joined Altitude in July 2021. Since then, he has enjoyed building strong relationships with both clients and colleagues, bringing a friendly, approachable, and genuine attitude to his work. Jake has a natural interest in people and values the opportunity to learn about their goals, challenges, and successes, helping him provide a positive experience for those he works with.
Outside of work, Jake enjoys spending time with friends, staying active through regular exercise, and unwinding with a good book. An avid reader, he enjoys making time to explore new titles and ideas whenever he can. Jake is also a passionate supporter of the Brisbane Broncos and enjoys following their progress throughout the season.
Qualifications
Bachelor of Commerce (Accounting), Griffith University
Speciality
Supporting business owners and young professionals as they build momentum in their financial journey.
INSIGHTS
Knowledge that moves you forward.
From tax strategies to wealth planning to technology tips, our insights are practical, relevant, and designed to help you make smarter decisions at every stage of life.
EXPLORE INSIGHTS THAT MATTER
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Client Portal
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