Empire Financial Group

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Empire Financial Group We’ll get you there. At Empire Financial Group, we see ourselves as a partner in your financial well being.

The first step in our strategic process is to take the time to get to know you; to understand your financial position and your goals for the future. We offer strategic financial advice to people from all walks of life. Whether you are looking to get ahead financially, retire at 60 or use your super to purchase a property or even a property portfolio. Our dedicated team are experts and can provide a tailored solution to meet your financial goals. What's more, we are proactive when it comes to you and your financial goals. We continuously monitor and measure your interests throughout the year to ensure the best possible outcome for you.

Thinking about moving from residential property into commercial property? There are a few things worth considering befor...
03/11/2026

Thinking about moving from residential property into commercial property?

There are a few things worth considering before you make the shift.

In his latest article in The West Australian, our Managing Director Raymond Pecotic explores the growing interest in commercial property among SMSF investors, particularly following recent changes to borrowing arrangements for residential property within self-managed super funds.

While commercial property can offer attractive rental yields, longer leases and opportunities for capital growth, it also comes with a different set of risks.

Raymond outlines five important considerations for investors looking to make the move:
1. You'll need more money upfront – commercial property generally requires a larger deposit and more capital available within your SMSF.
2. The income can be attractive, but higher rental yields come with considerations around vacancies, tenant quality and ongoing costs.
3. Yield and capital growth – commercial property has different growth drivers to residential property.
4. Liquidity is your friend – vacancies, unexpected expenses and loan repayments can put pressure on your SMSF.
5. Buying premises for your own business through an SMSF can have real advantages. But is it a good investment on its own?

Commercial property can play a valuable role in an investment strategy, but it isn't automatically the right fit for every investor or SMSF.

As always, understanding the numbers, risks and long-term implications is essential before making a decision.

Take a look at the full article below.

A day to pause, reflect and look ahead.Last week, the Empire team came together for our FY27 Strategy Day.We took the ti...
20/10/2026

A day to pause, reflect and look ahead.

Last week, the Empire team came together for our FY27 Strategy Day.

We took the time to celebrate the wins from the past year, reflect on where we can improve and get clear on where we want to go next.

But strategy isn't just about setting goals. It's about getting the right people in the room, challenging ideas, sharing different perspectives and turning good ideas into action.

We made time for some team activities, plenty of discussion and a few laughs along the way. We also congratulated Kiah Bradford, Ethan Hills and Kevin E. in completing their Client Engagement Program.

A big thank you to everyone who contributed their ideas throughout the day. We’re excited about what’s ahead and most importantly, about continuing to build the business together to help our clients achieve their retirement goals.

Don’t overcook a golden goose Could keeping money in your GESB West State Fund today be costing you significant tax savi...
13/10/2026

Don’t overcook a golden goose

Could keeping money in your GESB West State Fund today be costing you significant tax savings in the future?

Our latest article in The West Australian written by Raymond Pecotic explores a strategy that can be particularly relevant for WA Government employees approaching retirement.

For some members, the ability to make additional salary-sacrificed contributions into West State may create an opportunity to build retirement savings while potentially improving their future tax position.

But as with any strategy, the numbers matter.

The decision isn’t simply about contributing more. It’s about understanding how your current income, contribution limits, investment returns, retirement timing and future tax position all work together.

In our latest article, Raymond Pecotic looks at a hypothetical example where a government employee could potentially create a significant difference in their retirement position by carefully considering their contribution strategy.

Your West State account may be more than just a place to park your retirement savings. For some members, there may be opportunities worth exploring before retirement.

If you’re a WA Government employee with a West State account, it could be worth asking if you are making the most of the opportunities available?

Read the full article below.

A little behind the scenes from our latest photoshoot. The finished images might make it look effortless, but there’s a ...
22/09/2026

A little behind the scenes from our latest photoshoot.

The finished images might make it look effortless, but there’s a fair bit that goes on behind the camera. From finding the right locations around East Perth to getting the team in front of the camera, we spent the morning capturing the people behind Empire.

A special thank you to the clients who generously came in and helped us out on the day. We really appreciate you giving up your time to be part of it.

We’re looking forward to sharing the finished shots soon.

Putting our people firstWe believe a strong workplace starts with people who feel valued, supported and trusted.As part ...
31/08/2026

Putting our people first

We believe a strong workplace starts with people who feel valued, supported and trusted.

As part of our ongoing commitment to our team, we’ve recently introduced two additional days of leave each year for our full-time employees: Birthday Leave and a Mental Health Day.

Birthday Leave
Everyone deserves a day to celebrate their birthday in their own way. Whether that means spending time with family, enjoying a long lunch, heading away for the day or simply taking some time for themselves, our team can now take their birthday off and make the most of it.

Mental Health Day
Work is important, but so is taking a step back. Our Mental Health Day provides an opportunity to switch off, recharge and prioritise wellbeing. It gives our staff a quiet day to reset or to get ahead of the demands of everyday life.

We recognise that wellbeing looks different for everyone and sometimes the most valuable thing you can give someone is time.

Liam, is our very first employee to put his Birthday Leave to good use. He clearly understood the assignment celebrating with a movie, popcorn and a well-earned day off!

These additional leave days are just one of the ways we’re continuing to build a workplace where our people can do their best work while also making time for the things that matter outside of work. Because when we invest in our people, everyone benefits.

Who actually gets your super when you die? For 6.5 million Australians, the answer is: not sure.New research from Super ...
18/08/2026

Who actually gets your super when you die? For 6.5 million Australians, the answer is: not sure.

New research from Super Consumers Australia (covered by ABC News this week https://www.abc.net.au/news/2026-08-10/superannuation-death-benefit-nominations-survey-finds-funds-fail/106991968?utm_campaign=abc_news_web&utm_content=link&utm_medium=content_shared&utm_source=abc_news_web ) should stop every working Australian in their tracks.

More than a third of super fund members surveyed had NO death benefit nomination registered with their fund at all. Another 25% had made one but didn't know whether it was binding.

Your super doesn't automatically follow your will. It sits in a trust, and when you die, the fund's trustee decides where it goes.

There are two ways to tell them your wishes:
- A non-binding nomination: quick, done online in two minutes. But it's exactly what it sounds like. The trustee can consider it and then do something different. Lawyers describe them as close to useless when a dispute breaks out, because they leave the door open for other family members to make a claim.
- A binding nomination: usually paper-based, needs witnesses and often expires after three years. But it's legally enforceable. The trustee must follow it.

The research shows a system where members are pushed toward the quick option or no option at all leaving millions of families exposed to delays, disputes and outcomes their loved one never intended.

Three things to do this week:
1. Log in to your super fund and check whether you have a nomination at all.
2. Find out if it's binding or non-binding. If you don't know, assume it isn't.
3. If you have a binding nomination, check the date. Many lapse every three years.

Your super is often your biggest asset outside the family home. Ten minutes of admin now can save your family years of heartache later.

Reviewing this takes minutes and it's one of the simplest wins in your whole financial plan.

Our General Manager, Gordon Wallace, was recently invited to tour the soon-to-be-opened, Perth Children's Hospital Found...
18/08/2026

Our General Manager, Gordon Wallace, was recently invited to tour the soon-to-be-opened, Perth Children's Hospital Foundation funded, Sandcastles Children's Hospice in Swanbourne.

During the tour, Gordon was shown how the Sandcastles Hospice will provide WA-first support to children and families dealing with life-limiting conditions. These diagnoses can mean a journey for the family that could span weeks, months or even years and have a constant and sustained emotional, economic and psychological impact, placing unimaginable stress on them and their well being. Everything at the Hospice is geared towards making the child's and family's time there a genuine respite from this stress, be it the equipment, facilities, layout, or decor.

Empire Financial Group was privileged to help raise $10,000 towards outfitting the hospice at our recent Empire Royale client event. Seeing how that money was spent, and the other facilities being made available to WA's children and their families, was a truly humbling experience, so thank you to Alex Harper FCCA for the invitation and for all the work he and his team at the PCH Foundation have done to bring this vision to life.

PCH Foundation are still trying to raise the final $3m to complete the hospice, so if you or your business can offer a way to help raise funds for an incredible Perth cause, please reach out to Alex Harper FCCA.

The ABCs of CGT changes: what property investors need to knowThe rules around capital gains tax and property are changin...
11/08/2026

The ABCs of CGT changes: what property investors need to know

The rules around capital gains tax and property are changing for investors and the impact goes beyond the tax bill.

In our latest article for The West Australian, Empire Financial Group Nicholas Hart was joined by property expert Matthew Hughes from Capital Property Advisory to unpack what the changes mean for investors and those considering whether to buy, sell or hold.

A few key themes from the article include:
- The end of negative gearing as we knew it – From July 2027, the treatment of certain property losses will change, making the numbers behind an investment decision more important than ever.
- SMSF investors need to understand the rules – Changes to the SMSF borrowing landscape and upcoming deadlines mean rushing into a property strategy could create more problems than opportunities.
- Timing matters – The CGT changes make the decision to buy, sell or hold more complex. A property decision shouldn't be driven by tax alone.
- The fundamentals haven't changed – Location, demand, land value, rental prospects and long-term growth potential remain critical when assessing property.

The new rules don't necessarily mean you should stop investing in property but they do mean strategy matters more than ever.

Read the full article below.

At the end of May we gathered with our clients, referral partners and friends for our Empire Royale charity event. Now t...
03/08/2026

At the end of May we gathered with our clients, referral partners and friends for our Empire Royale charity event. Now that the photos have arrived, we wanted to share some of the special moments from a memorable evening.

Thanks again to the incredible generosity of everyone who attended, purchased raffle tickets and donated, we are proud to have raised $10,000 for the Perth Children's Hospital Foundation.

This contribution will fund 10 much-needed recliners for the newly built Children's Hospice, providing comfort and support for families as they spend precious time with their children during incredibly difficult moments.

This is what our community is all about. Bringing people together, making meaningful connections and creating a lasting impact beyond the event itself.

A heartfelt thank you to everyone who helped make the evening such a success, and to the Perth Children's Hospital Foundation for the extraordinary work they do for children and families across Western Australia.

The full album can be seen here https://csmithphotography.pic-time.com/client/empire-financial-2026

Address

Suite 5, Level 1, 22 Brown Street
East Perth, WA
6004

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61893233000

Website

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