The Modern Family Office.
You've built something that deserves the full attention of a modern family office: a dedicated team managing every dimension of your wealth and the legacy you're building.
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
What you've been missing
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.
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 yoursEntity 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 manages 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 manages your super position continuously. Fees benchmarked against comparable funds. Allocation reviewed against your strategy. Contribution headroom tracked. Your super working as hard as everything else you have built.
- 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
Always working for you
So you can enjoy the life you worked so hard to build.
Everything above, working across the full picture of your financial life. Obligations managed before they become problems. Opportunities found before they pass.
Ready in 15 minutes
01
Your documents are already there.
Connect your inbox and Spencer House automatically identifies and imports your financial correspondence. Physical documents take a photograph.
02
Your accounts, linked in seconds.
Connect bank and investment accounts through Australia's secure banking framework. Spencer House reads what arrives and surfaces what matters.
03
Your full picture, live.
Everything you have is mapped, scored, and ready.
In 15 minutes, you have what the genuinely wealthy have always had: a team dedicated to your wealth, your estate, and the generation that follows.
Built for wealth that deserves proper care.
Your wealth has reached a point where managing it well is genuinely complex. The kind of comprehensive attention that complexity deserves has only ever been available to the very largest family offices.
Spencer House is for ANZ individuals and families with meaningful assets and real financial complexity. For those who have built something worth protecting.
Spencer Chapman
“I'm smart. I had good advisors across two decades of building my own wealth. What I didn't have was the level of strategy, attention and structure only the super wealthy get. Looking back at what that gap cost, the number is well over a hundred thousand dollars.”
Darius A Monsef IV, Founder & CEO
Spencer Chapman built his wealth from Perth over a lifetime. A business, a family, assets across structures he'd built over decades. Managed, as most people manage it: by good people working from partial views.
His son-in-law, Darius Monsef, is a technology entrepreneur who built his own wealth across different decades and recognised the same ceiling. Good execution, no integrated strategy. The level of attention that genuinely changes outcomes had always been reserved for a level of wealth most people never reach. He built Spencer House to change that.
Spencer House is named as a reminder of the kind of people it was built for.
Founding membership
The level of attention your wealth has always deserved.
Early access. Pricing locked for life. A direct line to what gets built next.
Australia and New Zealand. By application only.