--- title: | Adam Montana (3) 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. 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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) [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth) - 4 min read #### [Retirement Planning for Australian Millennials](https://www.altusfinancial.com.au/blog/retirement-planning-for-australian-millennials) It’s a fact that Australian millennials face a different economic world than their parents and grandparents did. Student..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 3 min read #### [Effective Estate Planning in 4 Steps](https://www.altusfinancial.com.au/blog/effective-estate-planning-in-4-steps) Effective estate planning is about much more than having a will. It essentially structures your estate so you can distri..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Super](https://www.altusfinancial.com.au/blog/topic/super), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 3 min read #### [What Happens to Superannuation in Estate Planning?](https://www.altusfinancial.com.au/blog/what-happens-to-superannuation-in-estate-planning) What will happen to your superannuation when you die? ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 4 min read #### [Estate and Non-Estate Assets in Estate Planning](https://www.altusfinancial.com.au/blog/estate-and-non-estate-assets-in-estate-planning) Before we dive into estate and non-estate assets, it’s helpful to review why estate planning is important in the first p..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Super](https://www.altusfinancial.com.au/blog/topic/super) - 2 min read #### [Pros and Cons of Corporate Super Funds](https://www.altusfinancial.com.au/blog/pros-and-cons-of-corporate-super-funds) If you work for a business, chances are that you’re eligible for the corporate super fund. With so many options availabl..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 5 min read #### [10 Things to Consider When Estate Planning](https://www.altusfinancial.com.au/blog/10-things-to-consider-when-estate-planning) A strategic estate plan is an essential element in retirement planning. Are you comfortable with your estate plan? The f..... ###### Adam Montana [Super](https://www.altusfinancial.com.au/blog/topic/super) - 4 min read #### [What is an 'Employer Sponsored' Corporate Super Fund?](https://www.altusfinancial.com.au/blog/what-is-an-employer-sponsored-corporate-super-fund) When you’re trying to attract the best talent for your organisation, you offer competitive salaries, an attractive work ..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 3 min read #### [3 Ways You Can Start Estate Planning Today](https://www.altusfinancial.com.au/blog/3-ways-you-can-start-estate-planning-today) It’s never too early to start estate planning, but unfortunately, it can be too late. No matter how stable life seems to..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Business](https://www.altusfinancial.com.au/blog/topic/business), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 3 min read #### [Estate Planning When You Own a Business](https://www.altusfinancial.com.au/blog/estate-planning-when-you-own-a-business) When you own a business, estate planning becomes a bit more complicated. This extra complication is precisely the reason..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Tax](https://www.altusfinancial.com.au/blog/topic/tax), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 2 min read #### [Estate Planning Essentials: Minimising Tax](https://www.altusfinancial.com.au/blog/estate-planning-essentials-minimising-tax) Estate planning ensures that your property and assets are passed on to your beneficiaries in a financially efficient way..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Aged Care](https://www.altusfinancial.com.au/blog/topic/aged-care) - 3 min read #### [Why Is Aged Care So Expensive?](https://www.altusfinancial.com.au/blog/why-is-aged-care-so-expensive) When you start to look into aged care for yourself or for a loved one, you might be surprised by the high costs. It’s no..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 4 min read #### [Estate Planning Essentials: When Should I Start?](https://www.altusfinancial.com.au/blog/estate-planning-essentials-when-should-i-start) People often disregard estate planning as something for the wealthy, the old, and the financially successful. But the tr..... ###### Adam Montana [Wealth](https://www.altusfinancial.com.au/blog/topic/wealth), [Estate Planning](https://www.altusfinancial.com.au/blog/topic/estate-planning) - 4 min read #### [5 Common Estate Planning Pitfalls](https://www.altusfinancial.com.au/blog/5-common-estate-planning-pitfalls) Estate planning involves more than just writing a will. While wills are important - especially to people in their 30s an..... ###### Adam Montana [Previous](https://www.altusfinancial.com.au/blog/author/adam-montana/page/2) [All posts](https://www.altusfinancial.com.au/blog/all) [Next](https://www.altusfinancial.com.au/blog/author/adam-montana/page/4) ### **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. 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[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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