--- title: | Adam Montana description: Adam believes the secret to getting ahead is getting started. Adam helps clients realise where they are now, where it's possible to go, and works through the reality of this to achieve a positive financial outcome. Seeing the results of his advice gives him a real sense of satisfaction. --- [![Logo](https://www.altusfinancial.com.au/hubfs/Logo.svg "Logo")](https://www.altusfinancial.com.au/) - [Home](https://www.altusfinancial.com.au) - [Services](https://www.altusfinancial.com.au/services) - Company - [About Altus](https://www.altusfinancial.com.au/our-story) - [Our People](https://www.altusfinancial.com.au/our-team) - [Careers](https://www.altusfinancial.com.au/careers) - [Graduate Program](https://www.altusfinancial.com.au/altus-pathways-graduate-program) - [Altus Gives](https://www.altusfinancial.com.au/community) - [Our Global Reach](https://www.altusfinancial.com.au/our-global-reach) - Resources - [Insights](https://www.altusfinancial.com.au/insights) - [Resources & Guides](https://www.altusfinancial.com.au/resources) - [Videos](https://www.altusfinancial.com.au/videos) - Client Programs - [Families Who Thrive](https://www.altusfinancial.com.au/families-who-thrive) - [Women Who Thrive](https://www.altusfinancial.com.au/womens-wealth) - 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[Growth (38)](https://www.altusfinancial.com.au/blog/topic/growth) - [Business Succession (25)](https://www.altusfinancial.com.au/blog/topic/business-succession) [![Helpful Resources](https://no-cache.hubspot.com/cta/default/512115/11b7293b-309b-4f1b-af85-27ec1dd19a35.png)](https://cta-redirect.hubspot.com/cta/redirect/512115/11b7293b-309b-4f1b-af85-27ec1dd19a35) Request a Consultation - Close![](https://www.altusfinancial.com.au/hubfs/Assets%20Jan%202019/Images/close%20(3).svg) ## Request a Consultation - [Insider](https://www.altusfinancial.com.au/blog/topic/insider) # [Fortunity is now Altus](https://www.altusfinancial.com.au/blog/fortunity-is-now-altus) For many years, Fortunity has proudly supported individuals, families and businesses across the Central Coast with trusted financial advice and deep local relationships. Today, we are excited to enter our next chapter as Altus. This evolution brings together t..... ###### Altus Team #### Latest Posts [Insider](https://www.altusfinancial.com.au/blog/topic/insider) ##### [Fortunity is now Altus](https://www.altusfinancial.com.au/blog/fortunity-is-now-altus) [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Family Office](https://www.altusfinancial.com.au/blog/topic/family-office), [Families Who Thrive](https://www.altusfinancial.com.au/blog/topic/families-who-thrive) ##### [The Great Wealth Transfer](https://www.altusfinancial.com.au/blog/the-great-wealth-transfer) [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Super](https://www.altusfinancial.com.au/blog/topic/super), [Tax](https://www.altusfinancial.com.au/blog/topic/tax) ##### [Division 296 tax: what high-balance super members need to do now](https://www.altusfinancial.com.au/blog/division-296-tax-what-high-balance-super-members-need-to-do-now) [Business](https://www.altusfinancial.com.au/blog/topic/business), [FBT](https://www.altusfinancial.com.au/blog/topic/fbt), [Accounting](https://www.altusfinancial.com.au/blog/topic/accounting) ##### [Common FBT Questions and Answers](https://www.altusfinancial.com.au/blog/common-fbt-questions-and-answers) [Super](https://www.altusfinancial.com.au/blog/topic/super), [Business](https://www.altusfinancial.com.au/blog/topic/business) ##### [Pay Day Super Is Coming: What SMEs Should Be Doing Now](https://www.altusfinancial.com.au/blog/pay-day-super-is-coming-what-smes-should-be-doing-now) [Aged Care](https://www.altusfinancial.com.au/blog/topic/aged-care) - 6 min read #### [What is Aged Care: Everything You Need to Know](https://www.altusfinancial.com.au/blog/what-is-aged-care-everything-you-need-to-know) Most of us think about retirement from time to time. At the very least, you receive statements about your super and see ..... ###### Adam Montana [Business Succession](https://www.altusfinancial.com.au/blog/topic/business-succession) - 6 min read #### [12 Tips to Successful Succession Planning](https://www.altusfinancial.com.au/blog/12-tips-to-successful-succession-planning) What will happen to your business when you retire? Do you plan on selling it? Will you hand it down to a child or other ..... ###### Adam Montana #### [10 Benefits of Estate Planning](https://www.altusfinancial.com.au/blog/10-benefits-of-estate-planning) Time is everything when it comes to estate planning. Even if you’re a procrastinator by nature, put your dawdling ways a..... ###### Adam Montana [Aged Care](https://www.altusfinancial.com.au/blog/topic/aged-care) - 5 min read #### [Aged Care: What Are My Options?](https://www.altusfinancial.com.au/blog/aged-care-what-are-my-options) Nobody looks forward to making decisions about aged care. On top of the emotional strain, you might feel confused about ..... ###### Adam Montana [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 3 min read #### [Estate Planning & Wealth Preservation: Everything You Need to Know](https://www.altusfinancial.com.au/blog/estate-planning-wealth-preservation-everything-you-need-to-know) Making plans for after your death probably doesn’t rank high on your list of favourite things. But most people are surpr..... ###### Adam Montana [Investments](https://www.altusfinancial.com.au/blog/topic/investments) - 7 min read #### [10 Books to Read Before You Start Investing](https://www.altusfinancial.com.au/blog/10-books-to-read-before-you-start-investing) When markets drop substantially, some people back away from investing. But as seasoned investors know, these can prove t..... ###### Adam Montana [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 7 min read #### [Divorce: How It Impacts Your Will & Estate Plan](https://www.altusfinancial.com.au/blog/divorce-how-it-impacts-your-will-estate-plan) Divorce affects more than just your relationship status. It’s a permanent legal action that impacts Wills, trusts and ot..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 6 min read #### [Financial Independence: The Royals Are Doing It, and So Can You](https://www.altusfinancial.com.au/blog/financial-independence-the-royals-are-doing-it-and-so-can-you) Prince Harry and Meghan Markle have declared their intention to forgo public funds and support their own lifestyle, and ..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 6 min read #### [Tips for Extra Cash Flow at Christmas Time](https://www.altusfinancial.com.au/blog/tips-for-extra-cash-flow-at-christmas-time) Need a little extra cash this Christmas? With gift-giving, parties and feasts on the calendar, your cash flow may take a..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 6 min read #### [6 Reasons Why You Should Have an Emergency Savings](https://www.altusfinancial.com.au/blog/6-reasons-why-you-should-have-an-emergency-savings) If you’ve listened to financial podcasts or read personal money management books, you’ve most likely heard about emergen..... ###### Adam Montana [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 7 min read #### [Why Do We Avoid Estate Planning?](https://www.altusfinancial.com.au/blog/why-do-we-avoid-estate-planning) Most people acknowledge the value of estate planning and have every intention of doing it. And yet, it often ends up at ..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 7 min read #### [Maintaining Your Budget. What’s The Secret?](https://www.altusfinancial.com.au/blog/maintaining-your-budget.-whats-the-secret) You know you need a budget; you’ve heard it a million times. And in the past, you've tried it: income, expenses, categor..... ###### Adam Montana [Super](https://www.altusfinancial.com.au/blog/topic/super) - 5 min read #### [Your Future - The Superannuation Investment Vehicle](https://www.altusfinancial.com.au/blog/your-future-the-superannuation-investment-vehicle) Will thinking about retirement put a damper on my present life? ###### Adam Montana [All posts](https://www.altusfinancial.com.au/blog/all) [Next](https://www.altusfinancial.com.au/blog/author/adam-montana/page/2) ### **Could Your Business Benefit from an Outsourced CFO?** Set your business on the right path with this simple guide. [Access the Guide](https://www.altusfinancial.com.au/cfo-landing-page) ![Could Your Business Benefit From an Outsources CFO_Resources](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Could%20Your%20Business%20Benefit%20From%20an%20Outsourced%20CFO/Could%20Your%20Business%20Benefit%20From%20an%20Outsources%20CFO_Resources.jpg?width=582&height=386&name=Could%20Your%20Business%20Benefit%20From%20an%20Outsources%20CFO_Resources.jpg) ## Financial insights you won’t delete. Delivered to your inbox weekly. ### Sign up for our newsletter ### **Prospective Business Owner** - Succession Checklist Make sure you’re on the right track with this online checklist. [Access the Checklist](https://www.altusfinancial.com.au/prospective-business-owner-succession) ![Business Owner - Succession Checklist_Resources](https://www.altusfinancial.com.au/hs-fs/hubfs/1.Offers/Business%20Owner%20-%20Succession%20Checklist/Business%20Owner%20-%20Succession%20Checklist_Resources.jpg?width=581&height=386&name=Business%20Owner%20-%20Succession%20Checklist_Resources.jpg) #### Featured authors [Adam Montana](https://www.altusfinancial.com.au/blog/author/adam-montana) [See all articles](https://www.altusfinancial.com.au/blog/author/adam-montana) [Alex Bouris](https://www.altusfinancial.com.au/blog/author/alex-bouris) [See all articles](https://www.altusfinancial.com.au/blog/author/alex-bouris) [Alex Thomaschuetz](https://www.altusfinancial.com.au/blog/author/alex-thomaschuetz) [See all articles](https://www.altusfinancial.com.au/blog/author/alex-thomaschuetz) [Altus Team](https://www.altusfinancial.com.au/blog/author/altus-team) [See all articles](https://www.altusfinancial.com.au/blog/author/altus-team) ###### Have a question for Connect with the author of this post and they'll get back to you. 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