Family Wealth Advisory

The hardest part of training for Saturday’s race?

It wasn’t the thousands of weighted chin-ups, push-ups and squats.

It was not being able to sit with my sick daughter when she needed me.

My first reaction was simple:

I’ve trained for two years, so I can’t risk getting the flu 6 days out.

So, I chose the race - for about 20 minutes.

And it felt terrible.

So, I went back, gave her a hug, and sat with her.

That moment reminded me of something important:

𝗕𝗶𝗴 𝗴𝗼𝗮𝗹𝘀 𝗮𝗿𝗲 𝗽𝗼𝘄𝗲𝗿𝗳𝘂𝗹.
𝗕𝘂𝘁 𝘁𝗵𝗲𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗻𝗲𝘃𝗲𝗿 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘄𝗵𝗼 𝘆𝗼𝘂 𝗮𝗿𝗲.

Sometimes the challenge is not the event.

It is the decisions the event forces you to make.

#murphchallenge #leadership #fatherhood #discipline #perspective | Michael Bova The hardest part of training for Saturday’s race? It wasn’t the thousands of weighted chin-ups, push-ups and squats. It was not being able to sit with my sick daughter when she needed me. My first reaction was simple: I’ve trained for two years, so I can’t risk getting the flu 6 days out. So...

One of the most underrated parts of good advice is coordination.

Because many families 𝗱𝗼 𝗻𝗼𝘁 𝗵𝗮𝘃𝗲 𝗮 𝗺𝗼𝗻𝗲𝘆 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 - they have a 𝗳𝗿𝗮𝗴𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗽𝗿𝗼𝗯𝗹𝗲𝗺.

I see it often with successful families and business owners.

Not because they lack capability.

Because life gets busy, advice gets siloed, and important pieces get left sitting in different corners.

• 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 over here
• 𝗟𝗮𝘄𝘆𝗲𝗿 over there
• 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀 somewhere else
• 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 reviewed rarely
• 𝗘𝘀𝘁𝗮𝘁𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 left too long
• No one truly joining the dots

That is where families can lose momentum, miss opportunities, and carry unnecessary risk.

Some of the best outcomes I have seen for clients did not come from one brilliant strategy alone.

They came from getting the right people, structures and decisions working together.

At Family Wealth Advisory, a big part of our role is helping bring those pieces together.

Not to create complexity. To remove it.

The right strategy is powerful.

The right strategy, properly coordinated, is where things really start to move.

#financialplanning #familyoffice #wealthstrategy #cashflow #leadership | Michael Bova One of the most underrated parts of good advice is coordination. Because many families 𝗱𝗼 𝗻𝗼𝘁 𝗵𝗮𝘃𝗲 𝗮 𝗺𝗼𝗻𝗲𝘆 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 - they have a 𝗳𝗿𝗮𝗴𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗽𝗿𝗼𝗯𝗹𝗲𝗺. I see it often with su...

𝗧𝗵𝗲 𝗥𝗕𝗔 𝗵𝗮𝘀 𝗿𝗮𝗶𝘀𝗲𝗱 𝗿𝗮𝘁𝗲𝘀 𝗮𝗴𝗮𝗶𝗻.

The cash rate is now 𝟰.𝟭𝟬%, with the Board pointing to ongoing inflation risks and rising global uncertainty.

A timely reminder that good planning is not just about growth.

It is about having the cash flow, capital structure and discipline to stay steady when conditions tighten.

That is where real financial resilience is built.

Statement by the Monetary Policy Board: Monetary Policy Decision | Media Releases | Michael Bova 𝗧𝗵𝗲 𝗥𝗕𝗔 𝗵𝗮𝘀 𝗿𝗮𝗶𝘀𝗲𝗱 𝗿𝗮𝘁𝗲𝘀 𝗮𝗴𝗮𝗶𝗻. The cash rate is now 𝟰.𝟭𝟬%, with the Board pointing to ongoing inflation risks and rising global uncertainty. A timely reminder that good planning is not just about growth. It is about...

There is something magical about a sunrise before training.

It makes the effort feel worth it.

Getting up early and exercising clears the mind and helps the soul.

It strips away the noise. It resets your perspective. It helps you start the day better.

That is one of the things I love about this kind of training.

The physical side matters.

But the real payoff is mental.

You finish clearer, calmer and more ready for whatever the day brings.

#mindset #discipline #murphchallenge #fitness #resilience | Michael Bova There is something magical about a sunrise before training. It makes the effort feel worth it. Getting up early and exercising clears the mind and helps the soul. It strips away the noise. It resets your perspective. It helps you start the day better. That is one of the things I love about this kind...

Smart people rarely blow up their financial lives because they lack intelligence.

They do it because pressure changes behaviour.

Daniel Kahneman’s work shaped a lot of how I think about advice.

Because when stakes rise, even capable, successful people can confuse speed with control.

They act to reduce discomfort.
They mistake activity for progress.
And they make decisions they would never make in a calmer state.

That is where good advice earns its keep.
Not by adding noise, but by creating space.

• before you panic sell
• before you overextend
• before you chase what has just worked
• before you let urgency make the decision for you

Sometimes the value of an adviser is not finding a more sophisticated strategy.
It is helping a family think clearly when emotion is trying to take over.

A key part of my role is to being the calm voice in the room when money stress is pushing everyone else to speed up.

That is often where the biggest value lives.

#behaviouralfinance #financialplanning #wealth #investing #cashflow | Michael Bova Smart people rarely blow up their financial lives because they lack intelligence. They do it because pressure changes behaviour. Daniel Kahneman’s work shaped a lot of how I think about advice. Because when stakes rise, even capable, successful people can confuse speed with control. They act to re...

“Life’s a game of inches.”

I love that speech from Al Pacino in 𝗔𝗻𝘆 𝗚𝗶𝘃𝗲𝗻 𝗦𝘂𝗻𝗱𝗮𝘆 and I have been living it in two places.

In 𝗠𝘂𝗿𝗽𝗵 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 training…and in the way we’ve been evolving our 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗶𝘁𝗵 𝘁𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗮𝗻𝗱 𝗔𝗜.

With Murph, you don’t suddenly become ready. You earn it in inches.

One extra chin-up, one stronger set, and one week where the vest feels a little more manageable.

The same has been true in our business.

For more than 𝟭𝟴 𝗺𝗼𝗻𝘁𝗵𝘀, we’ve been iterating our way forward — improving workflows, refining processes, and using better technology to lift both team efficiency and client experience.

That’s why the Fin365 𝗦𝘆𝗺𝗽𝗵𝗼𝗻𝘆 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 resonated so strongly.

It was a brilliant event — showing what’s available now, what’s coming next, and bringing together advisors all focused on getting better.

Afterwards, Stephen Handley said something that really stayed with me:

The gains I’ve been talking about in chin-ups are the same gains businesses make with AI and tech. Not one giant leap. Just inches.

One better workflow.
One smarter use of data.
One less friction point for the team.
One better experience for clients.

So lucky to have Fin365 and Stephen as a technical partner in our growth.

The inches are everywhere.

And over time, they become something powerful.

#leadership #businessgrwoth #murphchallenge #fintech #financialplanning | Michael Bova “Life’s a game of inches.” I love that speech from Al Pacino in 𝗔𝗻𝘆 𝗚𝗶𝘃𝗲𝗻 𝗦𝘂𝗻𝗱𝗮𝘆 and I have been living it in two places. In 𝗠𝘂𝗿𝗽𝗵 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 training…and in the way we’ve been evolving our 𝗯𝘂𝘀𝗶....

A successful business is not the same as secure family wealth.

Some business owners build extraordinary companies…
but leave too much of their personal wealth trapped inside them.

They take risks most people never would.
𝗖𝗮𝗿𝗿𝘆 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗳𝗲𝘄 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗿𝘂𝗹𝘆 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱.
And build value against the odds.

Which is exactly why many become conservative with cash in the business.

I see it often:

• strong profits, but little personal wealth outside the business
• too much capital sitting idle
• protection left incomplete
• the business becoming the entire strategy

That’s where the risk quietly builds.

Because cash inside the business can feel safe.

But if trading conditions change, a dispute arises, or the unexpected hits, that capital may be far more exposed than people realise.

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗶𝘀 𝗻𝗼𝘁 𝗵𝗼𝘄 𝗺𝘂𝗰𝗵 𝘄𝗲𝗮𝗹𝘁𝗵 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗵𝗮𝘀 𝗰𝗿𝗲𝗮𝘁𝗲𝗱.

It’s how much of that hard-earned value is being converted into protected, personal, long-term family wealth.

That’s where cash flow and capital management matter.

Not just earning well. Extracting well. Structuring well. Investing well.

Done properly, putting capital to work outside the business can actually reduce pressure on the business over time.

Because the owner is no longer relying on one engine to do everything.



𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘪𝘴 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘣𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘠𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘢𝘭𝘸𝘢𝘺𝘴 𝘰𝘣𝘵𝘢𝘪𝘯 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢𝘯𝘺 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴.

#familybusiness #wealthplanning #cashflow #assetprotection #financialplanning | Michael Bova A successful business is not the same as secure family wealth. Some business owners build extraordinary companies… but leave too much of their personal wealth trapped inside them. They take risks most people never would. 𝗖𝗮𝗿𝗿𝘆 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗳𝗲𝘄 𝗽𝗲.....

Going slower made me faster.

On Sunday, I completed a Murph race in 38min 53sec with weight vest - first time breaking 40 minutes.

What made it interesting was that I didn’t go in trying to smash myself.
𝗜 𝘄𝗲𝗻𝘁 𝗶𝗻 𝘄𝗶𝘁𝗵 𝗮 𝗽𝗹𝗮𝗻:

• Run the first mile in 10 minutes
• Complete 20 rounds of 5 chin-ups, 10 push-ups and 15 air squats on the minute
• Even if I finished in 35 seconds, I rested the remaining 25

In a race, that feels wrong - 𝗿𝗲𝘀𝘁𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗸𝗲𝗲𝗽 𝗴𝗼𝗶𝗻𝗴 𝗳𝗲𝗲𝗹𝘀 𝘁𝗼𝗼 𝘀𝗹𝗼𝘄.

Holding back feels wrong and there was an overwhelming urge to break strategy.

But last time I didn't rest between reps, I hit muscle failure halfway through, and my reps fell apart.

Today, I stuck to the plan - and even though it felt slower, I finished faster, with more energy, and a lower average heart rate across the event.

Having a strategy is one thing.

𝗛𝗮𝘃𝗶𝗻𝗴 𝘁𝗵𝗲 𝗱𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲 𝘁𝗼 𝘁𝗿𝘂𝘀𝘁 𝗶𝘁 𝘄𝗵𝗲𝗻 𝗲𝗺𝗼𝘁𝗶𝗼𝗻 𝘁𝗮𝗸𝗲𝘀 𝗼𝘃𝗲𝗿 𝗶𝘀 𝗮𝗻𝗼𝘁𝗵𝗲𝗿.

#discipline #mindset #performance #leadership #training | Michael Bova Going slower made me faster. On Sunday, I completed a Murph race in 38min 53sec with weight vest - first time breaking 40 minutes. What made it interesting was that I didn’t go in trying to smash myself. 𝗜 𝘄𝗲𝗻𝘁 𝗶𝗻 𝘄𝗶𝘁𝗵 𝗮 𝗽𝗹𝗮𝗻: • Run the first mile ...

I was meant to be a doctor.
At least, that was the plan at school.

I worked hard for years chasing that path
Then life redirected me.

And looking back, I’m grateful it did.

Because I realised my real calling was never medicine.

It was 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 make 𝗯𝗲𝘁𝘁𝗲𝗿 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 when 𝗺𝗼𝗻𝗲𝘆, 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲 𝗮𝗻𝗱 𝗲𝗺𝗼𝘁𝗶𝗼𝗻 𝗮𝗹𝗹 𝗰𝗼𝗹𝗹𝗶𝗱𝗲.

That’s still what 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 is to me:

• diagnosing what’s really going on
• reducing financial stress
• creating a plan, not just products
• helping families live with more clarity

The older I get, the more I believe this:

𝗠𝗼𝗻𝗲𝘆 𝗽𝗿𝗼𝗯𝗹𝗲𝗺𝘀 𝗮𝗿𝗲 𝗿𝗮𝗿𝗲𝗹𝘆 𝗷𝘂𝘀𝘁 𝗮𝗯𝗼𝘂𝘁 𝗺𝗼𝗻𝗲𝘆.

They are about fear, freedom, identity and relationships.
And whether a family feels in control of its future.

That’s why at Family Wealth Advisory, we don’t just manage money — we help families navigate the emotions around money, with strategies and structures designed to protect and grow their wealth.

That’s the work I feel lucky to do.

#financialplanning #cashflow #familywealth #leadership #sydney | Michael Bova I was meant to be a doctor. At least, that was the plan at school. I worked hard for years chasing that path Then life redirected me. And looking back, I’m grateful it did. Because I realised my real calling was never medicine. It was 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗳𝗮𝗺𝗶𝗹𝗶𝗲𝘀 m...

Your super shouldn’t become your kids’ tax bill.

Most families don’t realise that when super is paid to adult children, 𝘀𝗼𝗺𝗲 𝗼𝗳 𝗶𝘁 𝗰𝗮𝗻 𝗯𝗲 𝘁𝗮𝘅𝗲𝗱 — even after a lifetime of saving and doing the right thing.

The good news?

There are legitimate strategies that may 𝗿𝗲𝗱𝘂𝗰𝗲 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗽𝗮𝗶𝗱 𝗼𝗻 𝘀𝘂𝗽𝗲𝗿 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 and help more of your money stay in the family.

If you’d like advice on whether this is a suitable strategy for you and your family, then please reach out.



𝘛𝘩𝘪𝘴 𝘢𝘳𝘵𝘪𝘤𝘭𝘦 𝘪𝘴 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘪𝘴 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘣𝘦 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘠𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘢𝘭𝘸𝘢𝘺𝘴 𝘰𝘣𝘵𝘢𝘪𝘯 𝘺𝘰𝘶𝘳 𝘰𝘸𝘯 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘢𝘥𝘷𝘪𝘤𝘦 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢𝘯𝘺 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴.

#superannuation #estateplanning #taxplanning #financialplanning #wealth | Michael Bova Your super shouldn’t become your kids’ tax bill. Most families don’t realise that when super is paid to adult children, 𝘀𝗼𝗺𝗲 𝗼𝗳 𝗶𝘁 𝗰𝗮𝗻 𝗯𝗲 𝘁𝗮𝘅𝗲𝗱 — even after a lifetime of saving and doing the right thing. The good news? There are legitima...