Wealth Architecture · Sydney, Australia

Closing the gap between high income and lasting wealth.

Financial systems for high-output creatives to solve tax drag, entity complexity, and time dependency.

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10+
Years experience
CFP®
Certified planner
CFP® Certified Financial Planner Master of Financial Planning Corporate Authorised Representative · CAR 1314600 Insight Investment Partners · AFSL 368175 L35, 100 Barangaroo Avenue, Sydney NSW 2000 CFP® Certified Financial Planner Master of Financial Planning Corporate Authorised Representative · CAR 1314600 Insight Investment Partners · AFSL 368175 L35, 100 Barangaroo Avenue, Sydney NSW 2000
The problem

Income isn't the problem —
structure is.

As earnings rise, tax drag and fragmented advice erode momentum. The most common failure point isn't income — it's structure.

We replace that complexity with systems designed for resilience. Individual investments matter less than the structure they sit in. We focus on your overall trajectory — converting high income into control.

Foundation

Eliminate leakage.
Align your entities.

Tax drag compounds silently. We identify where your current structure is misaligned with your goals — and map the fixes that actually move the needle, not the noise.

Momentum

Convert surplus
into assets.

Once the structure is clean, surplus income has somewhere to go. We design the deployment sequence — super, property, business equity — based on your specific circumstances and trajectory.

Legacy

Decouple wealth
from your output.

The end goal: a system that runs without you. Wealth that doesn't depend on next month's income. A structure designed to endure — and eventually, to give.

The framework

Foundation.
Momentum. Legacy.

01
Foundation
Eliminate leakage and optimise entity alignment with goals and objectives
02
Momentum
Convert surplus income into asset-backed growth based on individual circumstances
03
Legacy
Decouple wealth growth from personal output and create legacy that endures
Engagement process

Externalise complexity.
Internalise logic.

Step 01
Initial Alignment

10 minutes to clarify your current position and identify structural gaps. No forms, no jargon — just a direct conversation about where you are and what's getting in the way.

↳ 10 minutes
Step 02
Wealth Architecture

45 minutes to assess your structure across tax entities, cash flow, and asset deployment. You provide the numbers. We identify leaks, mis-sequencing, and overexposure.

↳ 45 minutes
Step 03
Financial Advice

Advice tailored to your personal circumstances and aligned to your goals. We design the wealth architecture. Your existing tax agents execute within it. We implement together.

↳ Ongoing
CFP® · M.FP · B.Bus · JP (NSW)

Xi (Benny)
Yang

I work with creative professionals whose income has outpaced their structure. That's a very specific problem — and one that most financial advisers aren't built to solve.

The most common failure point isn't income — it's fragmented advice, tax leakage, and reliance on personal output. Chief Money Group designs the architecture that converts momentum into endurance: income into a 10-year fortress.

5 years as an associate adviser. CFP® qualified. Based in Sydney.

Xi Benny Yang
BY
Xi Benny Yang · CFP®
"

The most common failure point is not income — it's structure: fragmented advice, tax leakage, and reliance on personal output.

Xi Benny Yang · Principal, Chief Money Group
10-Minute Alignment Call

Start with a
conversation.

Clarify your current situation, identify structural gaps and tax friction, and determine whether wealth architecture is the right next step.

Book your alignment call

This session provides general information only and does not constitute personal financial advice. Personal advice is only provided following a formal advice process and issuance of a Statement of Advice.