The Modern Family Office.
You built wealth most people only imagine. Nobody has ever had the full picture of all of it. Spencer House changes that.
Founding member applications open. Australia and New Zealand.
Estate Overview
Live74
/ 100
Estate Health Score
Tax efficiency
61
Insurance
85
Compliance
90
Structure
54
Estate planning
70
ASIC renewal · Sigma Holdings · 23 days
Tax savings identified · $38,400/yr
Super fee reduction · $6,400/yr
The gap
The same tools the ultra-wealthy use. Available to you, for the first time.
Without Spencer House
Annual accountant meeting
A partial view, once a year
Advisors working in silos
No one sees the complete picture
$15–40k in tax overpaid
Nobody checking the full structure
Compliance gaps slip through
Deadlines missed across entities
Insurance coverage: unknown
Over-covered or dangerously exposed
With Spencer House
Continuous estate monitoring
Every entity, every day
One complete picture
Across all structures, simultaneously
Proactive tax optimisation
Savings found before they're lost
Every deadline tracked
Automatically, across every entity
Annual coverage analysis
Precisely what you need. No more.
What we watch
Every dimension of your financial life. Continuously.
These are the areas most people at your wealth level have never had anyone watching continuously. Every day. Across every entity you own.
Entity and compliance
Every deadline.
Every entity.
Nothing missed.
Most people with three or four entities have no idea what's due and when across all of them. ASIC review dates, BAS lodgments, trust resolutions, SMSF audits. Each one tracked separately by a different advisor, or not tracked at all.
Spencer House maps every compliance obligation across every entity you own and monitors them continuously. The first time something is about to slip, you know — not after it already has.
- —ASIC annual reviews and director changes
- —BAS, IAS, and payroll tax lodgments
- —Trust distribution resolutions before 30 June
- —SMSF audit and investment strategy deadlines
- —Loan expiries and insurance renewal dates
Tax strategy
The savings only visible
from the full picture.
Your accountant does an excellent job with what they can see. The problem is they see a slice of the picture, once a year. Trust distribution strategy, super timing, CGT planning, Division 7A risk. These savings only appear when someone looks at everything together, continuously.
Spencer House identifies these opportunities in real time and flags them with enough lead time to act. The average member finds $15,000 to $40,000 in annual savings within the first month.
- —Trust distribution planning before 30 June
- —Concessional and non-concessional super timing
- —CGT discount optimisation and asset sale timing
- —Division 7A loan agreement monitoring
- —Income splitting across entities and beneficiaries
Insurance oversight
Covered where it matters.
Not where it doesn't.
Insurance is the most neglected area of wealth management at this level. Most self-made wealthy people are either significantly underinsured in life, key person, and business interruption cover, or paying for cover that no longer fits their situation.
Spencer House audits your full insurance position once a year and monitors it for changes. When your business grows, your cover should too. When a policy lapses or renews on outdated terms, you know before it costs you.
- —Life, TPD, and income protection cover review
- —Key person and business interruption analysis
- —Landlord and property insurance benchmarking
- —Annual renewal tracking across all policies
- —Gap identification with recommended cover levels
Investment and super
Your super working
as hard as you did.
A self-managed super fund gives you control. But control without visibility is complexity. Most SMSF members are paying fees several times higher than equivalent funds, holding allocations that made sense years ago, or drifting out of compliance with their own investment strategy.
Spencer House monitors fees against benchmarks, allocation drift, contribution headroom, and compliance with your documented investment strategy. Continuously. Not advice. A second pair of eyes that never blinks.
- —SMSF fee benchmarking against comparable funds
- —Allocation monitoring against investment strategy
- —Concessional and non-concessional cap tracking
- —Pension phase and minimum drawdown monitoring
- —SMSF compliance deadline tracking
The money you didn't know you were losing
$15k–$40k
in tax overpaid each year, on average
$3k–$8k
in super fees recovered per year
10–20%
reduction in insurance waste, on average
These findings appear when someone can see the whole picture at once. Most people at this wealth level have never seen it.
See what we find in yoursHow it works
01
Your financial life is already in your inbox
Connect Gmail or Outlook. ATO notices, bank statements, insurance renewals, ASIC correspondence. Spencer House reads it all so nothing gets missed.
02
Your accounts, in one place
Open Banking via Australia's Consumer Data Right. Every major ANZ bank. Real balances, real transactions, zero screen-scraping.
03
See everything
In 15 minutes, your entire estate is mapped, scored, and watched. Probably for the first time.
Connect your email. Connect your accounts.
In 15 minutes, someone is watching your back.
Is this for you
Built for the self-made wealthy.
Your financial life has grown into something real. Multiple moving parts, different advisors handling different pieces, decisions that feel bigger than the advice you're getting. Nobody is watching what falls between them.
Spencer House is for ANZ families with assets under $100M who are ready for the kind of attention that has only ever been available to the very largest family offices. You need to have built something worth protecting.
Self-made. Complex. Underserved by everything that currently exists.
Named for Spencer Chapman
Spencer Chapman
“He built a business, a home, and a future for his children. Everything a father works toward. What he deserves is someone watching over all of it.”
Spencer Chapman left Perth as a teenager. He built a business, raised a family, and built a home with his own hands. He has created what every parent ultimately works toward: real generational wealth that gives his children, and their children, a better future.
His son-in-law, Darius Monsef, built his own wealth across a different decade and a different industry. The advisors were different. The problem was identical. A good accountant. A financial planner. Each competent, each working from a partial view. Nobody asking why the company structure still looks the way it did a decade ago. Nobody checking whether the super fund is positioned correctly. Nobody finding the forty thousand dollars in annual tax that only becomes visible when you see everything together.
Darius built Spencer House because he is a technology entrepreneur who understood both what was being lost and how to fix it. Spencer House is named for Spencer Chapman. Not as tribute. Because the question nobody was asking was worth too much to leave unanswered.
Spencer House Pty Ltd. Founded 2026. Australia.
Founding member applications
You built your wealth.
Spencer House protects it.
Founding members get early access, founding pricing locked for life, and a direct line to what gets built next. Limited to a small number of members across Australia and New Zealand.
Australia and New Zealand. By invitation and application only.