Beyond Wealth.
Family Wealth Investment Fundamentals Workshop
A guided, conversation-style session built for families who have created significant wealth and now need a clear, shared framework for managing it.
Over the next few sections we will work through the core building blocks QuarterFive uses with every family client: how capital is structured across your life and business, and how a portfolio is actually put together and why.
There's no jargon you need to arrive with. The goal is simply to get everyone on the same page and help you reach your own "ah-ha" moment about what matters most for your family's wealth.
How to use this page: every section below is interactive. Tap, click and drag the sliders, cards and diagrams as we talk through each topic together.
What we'll cover today
01 / Workshop Foundations
Capital Allocation
Before we talk about investments, we need to talk about your life. Every family's balance sheet can be split into three buckets: Lifestyle Capital (the things you own and enjoy), Investment Capital (the assets that fund your lifestyle and future) and Entrepreneurial Capital (the value tied up in businesses you actively run or hold). The mix between these three buckets says more about your financial risk than any single investment decision.
How to use this: click each category below to see what typically sits inside it, then use the calculator to explore how your own numbers might look, both before and after a major liquidity event such as a business sale.
Try it with your own numbers
Choose a scenario, or build your own split between the three capital types.
Many families accumulate wealth with almost everything sitting in Entrepreneurial Capital, concentrated in the businesses they built. The "Pre-Exit" example shows how lopsided this can be. Once a liquidity event occurs, the goal is usually to rebalance towards a healthier mix of Lifestyle and Investment Capital, so that the family's financial security no longer depends on a single business or asset.
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Ryan Williams
Director
Following the completion of his Law and Finance degrees, Ryan commenced his career in a boutique legal firm before joining BlueRock in 2017 to explore his passion for entrepreneurial business.
Ryan is a practicing lawyer in Victoria, responsible for helping lead and run strategic decisions within the Family Office business, along with working closely with family clients on intergenerational Succession Planning engagements.
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Ella Morse, CA
Chief Financial Officer
Ella is a Chartered Accountant with over 20 years experience in the professional services industry. In 2008 Ella was one of the founding members of BlueRock as a member of the Accounting division, advising business owners. During her 15-year tenure, Ella became the Group Financial Controller and later Head of Investments and Company Secretary for Everything is Awesome Ltd — the majority shareholder in BlueRock.
Ella is now a founding member of QuarterFive Family Wealth as Chief Financial Officer and is a founding partner of Love It Philanthropy.
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Kristina Low, CFP®
Head of Risk & Governance
Kristina is a Certified Financial Planner and her past roles include being a licensed financial adviser specialising in technical and complex structures, and then at Deloitte where she worked with some of the country’s largest banks, Australian Financial Services Licenses and insurers, acting as a liaison with industry regulators.
As Head of Risk and Governance, Kristina oversees the framework of the firm’s license and advisory practices. She currently consults to a large financial services business to oversee their three lines of defence and risk framework, and sits on the Risk and Compliance Committee for a number of AFSLs and family offices.
Investment Director
Iain North
As Chair of the QuarterFive Investment Committee, Iain leads investment strategy and oversight across the firm.
Iain joined QuarterFive as Investment Director and Chair of the QuarterFive Investment Committee, bringing almost a decade of experience from JANA, one of Australia’s most respected investment consultancies. As Head of Alternatives, Iain and his team were responsible for advising some of Australia’s largest institutional and private investment groups.
Prior to JANA, Iain spent 12 years in London working with one of the world’s preeminent multi-asset global macro hedge funds.
The long view
Built for the families who plan in generations.
QuarterFive Family Wealth
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Nelangi Hewagama
Financial Adviser
Nelangi has been with the QuarterFive team since early 2022 and has more than 6 years experience across all facets of wealth management. Her role is integral for the project management of advice delivery and implementation, and she should be utilised as a first point of contact for most matters.
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Hiruni Fonseka
Associate Adviser
Hiruni joined QuarterFive in early 2023, has over 6 years experience within the wealth industry, and is degree qualified. As a Private Client Manager, Hiruni works closely with clients and advisers to ensure all client action items are proactively overseen and implemented.
Hiruni has “provisional” adviser status as she undergoes the ASIC Professional Year program on the pathway to be a fully qualified advisory professional.
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Sophie Bialocki
Private Client Manager
Sophie began her career in financial planning in 2022 after completing a Bachelor of Commerce, double majoring in Financial Planning and Human Resource Management.
She has demonstrated strong leadership as Chapter Chair of YNG (YPO Next Generation) Melbourne for nearly 2 years and recently enhanced her expertise through an intensive leadership program at London Business School.
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Jake Givoni
Investment Analyst
After completing his Bachelor of Commerce degree, Jake began his career in corporate finance at a boutique firm before joining the QuarterFive team in 2023.
Jake is an integral contributor to the Investment Committee and assists with investment due diligence and review, and the ongoing function and success of the Investment Committee. He also works closely with the full advice team and with clients to assist in the preparation and implementation of bespoke investment advice aligned to their tailored investment framework.
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Danielle Rosenbaum
Team Assistant
Danielle is a strategic and solutions-oriented professional with years of experience across financial services, human resources, and office management. With a strong foundation as an executive assistant and in high-level administrative roles, Danielle joined QuarterFive in 2025 and brings a sharp focus on efficiency, discretion, and exceptional stakeholder engagement.
Passionate about client service and team success, Danielle thrives in dynamic environments where attention to detail and strategic thinking are key to driving results in family wealth and professional services.
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Rachana Hourt
Private Client Associate
Placeholder — biography to be added. Rachana’s background, experience and contribution to the QuarterFive Investment team will be added here once finalised.
Replace this paragraph with a short professional summary covering Rachana’s qualifications, prior experience, and her role within the Investment Committee.
Start the conversation
Let's talk about your family's next chapter.
Every engagement begins with a conversation.