Resources Unearthed Financial Planning Services

Financial Planning

Brett Cribb and James Marshall are specialised financial advisers and executive share scheme (ESS) strategists who apply their knowledge and direct experience of the mining and resources sectors to enable senior executives, established professionals, consultants and business owners to enjoy more reward for their success.

Our approach includes a two-fold client support structure comprising an extensive internal team and expert external advice. Our internal client advice team is led by a highly qualified and licensed financial adviser, paraplanner, implementation manager and client services officer. Our external advice team commonly includes business and tax advisers including international tax specialists, legal and lending professionals. Informed communication is a cornerstone of our successful client relationships providing scheduled progress meetings, concise information and education as required for informed decision making necessary for achieving overall personal wealth, career and lifestyle goals.

We provide informed and well considered wealth management advice. This includes solutions for a commonly asked question: Where best to accumulate assets and how best to manage employee share schemes (ESS)?

Our advice & support:

  • Investment strategies including gearing and savings plans
  • ESS vesting and tax efficiencies
  • Managed funds, investments and shares
  • Asset management
  • Personal insurance strategies
  • Budget and cash flow planning, savings plans, debt management
  • Tax planning in consultation with your accountant or tax adviser
  • Retirement planning advice
  • Advice on ownership and structures e.g. individual or joint ownership, discretionary family trusts, or superannuation (including Self Managed Superannuation Funds).
  • Estate planning coordination and financial direction

We provide superannuation advice strategies suitable for high earning business leaders in the mining and resources sector.

Our advice & support:

  • Advice for contributions to retail, industry superannuation funds and SMSF
  • Investment advice for managed funds and other direct investments within superannuation
  • Investment growth and retirement income stream strategies
  • Advice on changing legislation
  • Tax effective strategies and complying with superannuation caps and limits
  • We collaborate with aligned professionals for establishing SMSF structures, managing your trustee obligations, fund audits, annual returns, taxation and compliance advice

We play a pivotal role in coordinating Wills and implementing a well-advised estate plan that aims to honour the financial legacy created over a lifetime.

Our advice & support:

  • We brief and collaborate with specialist estate planning lawyers and accountants to ensure all known financial matters are considered and included in the estate plan
  • Coordinate with family members and beneficiaries and lead often-difficult discussions about family succession to provide advice and information about family wealth, benefits and responsibilities
  • Guide processes for implementing documentation including Powers of Attorney, Health Care Directives and Testamentary and Super Proceeds trusts and other mechanisms for managing and distributing assets to beneficiaries at time of death
  • Identify and securing entitlements through employee share scheme (ESS) options which may have impacts across Australian and international tax jurisdictions
  • Provide ongoing advice for amendments and updates as circumstances change due to matters including international relocation, marriage or divorce or children reaching 18 years of age
  • Ongoing administration including currency of binding death nominations for beneficiaries and coordination with insurers and super fund trustees
  • Advice and management of superannuation and SMSF proceeds
  • Coordinate personal risk insurance lump sum payments and distribution of other significant financial assets to beneficiaries
  • Advise and coordinate with estate executors

We coordinate and integrate often-complex personal and business insurances in context of an individual’s overall financial planning, tax, business, legal and estate requirements.

Our advice & support:

  • Insurance advice including recommendations for insured cover amount, type of policy required, policy inclusions, significance of any exclusions and option, as well as a range of other matters such as policy ownership.
  • Income Protection: We provide recommendations, policy advice and coordinate claims for income protection insurance which provides benefits relating to the insured’s income on claims for illness or injury.
  • Life Insurance: Advice for lump sum benefit that is paid upon the death of the policy holder. We recommend an appropriate level in consideration of any aligned debt protection and estate planning strategies.
  • Trauma Insurance: Advice for Trauma insurance which provides a lump sum benefit when the policy holder suffers a major medical trauma as defined by the insurance policy. Among the most common traumas are heart attack, stroke, cancer, severe burns and major organ failure.
  • TPD Insurance: We provide Total and Permanent Disability (TPD) insurance advice and claim support that provides a financial benefit when the insured is permanently unable to work as a result of illness or injury.
  • Buy-Sell Insurance: Advise, coordinate and negotiate insurances necessary for transitions ownership from one business partner to another should a business partner exit the business due to death, illness or disablement.
  • Key Person Insurance: Advice and coordination of insurances for safeguarding the loss of experienced and highly credentialed staff that could adversely affect sales, future business development prospects, profitability, operational management and goodwill.

Financial planning tax reporting is available for individuals and families for preparing tax returns and end of financial year accounts as required by Australian and overseas tax advisers. 

Our advice & support:

  • Tax statement collation and reporting
  • Investment and redemption confirmations
  • Dividend and distribution statements
  • Investment holding statements
  • Executive share scheme (ESS) tax information including details of grants that vest, shares sold and dividend income received
  • Capital gains tax reports
  • Cash and transaction statements for bank and investment accounts
  • Investment property reporting of rental income and expenses
  • Loan statements for investment loans, property loans and margin loans
  • Insurance statements for deductible premiums
  • Super contribution information

Base salary, superannuation, bonuses, employee share schemes (ESS), short and long term share grants and various other benefits are all renumeration matters that need to be carefully considered and quantified before changing employment.

Our advice includes:

  • Understanding current and proposed remuneration packages
  • Short and long term incentive review
  • Executive share scheme review and comparison from one company to another
  • Superannuation contribution analysis

we are

Multi-award winning financial advisers

We are multi-award winning financial advisers and employee share scheme strategists advising high earning individuals and business leaders in mining and resources.

Brett Cribb

With more than 20 years experience in mining and resources, and 11 in underground mining including four as underground mining manager, Brett is well qualified to coordinate integrated financial and business advice for executives, professionals and business owners in these sectors.

James Marshall

James is a highly qualified, award-winning Financial Planner and Executive Share Scheme (ESS) strategist advising executives, professionals, business owners and expatriates predominantly in mining and resources but also in health, biotech, pharmaceuticals, technology and construction, ASX listed companies.

Why choose us

Financial Advisers & Employee Share Scheme Specialists

Brett and James are the driving force behind multi award-winning holistic financial advice which is underpinned by an ‘advice-team’ approach that considers wealth management, Superannuation and SMSF, investment strategies, personal risk insurance and estate planning in alignment with tax and business advice and legal services.



A decade of collaborative experience



Experience in mining and resources

Stratus Financial Group and its advisers are Authorised Representatives of Fortnum Private Wealth Ltd ABN 54 139 889 535 AFSL 357306. The information contained within this website does not consider your personal circumstances and is of a general nature only. You should not act on it without first obtaining professional financial advice specific to your circumstances.

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