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Lighthouse FO / The whole pictureFictional Banksia family · AUD

The family picture

Net assets under
office oversight

A$540.35m

11 Sept 2026 · Australian dollars

16/16 positions included

Across 5 entities

HoldingsA$122.75m
PrecisionA$269.1m
Property Unit TrustA$64m
Global InvestmentsA$64.5m
Next Generation TrustA$20m

Includes the trust estate for office oversight. Personal beneficial entitlements are separate.

Published from reviewed FO sample records11 Sept 2026
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Reviewed fictional publication · AUD

The whole picture

Ask what matters to your family

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The detail when you need it.

Explore a saved question from our fictional Australian family office. Open an amount to see its calculation, or the evidence behind the answer.

Saved question

Can we commit A$8m in the next 120 days?

Banksia Family Office · 1 entitled entity · AUD · 2026-09-11

Banksia Holdings Pty Ltd retains at least A$2,575,000 above its reserve after the proposed A$8,000,000 commitment.

Calculated from approved records · 5 of 5 records included · calculated

Lowest entity cash above reserve

Amounts in Australian dollars · Select an underlined amount to inspect its calculation.

The ladder runs to 2027-01-09. Contracted cash and full committed uses determine headroom; probability-weighted forecasts are separate. Available cash in one entity is not automatically available to another.

MeasureRequired reserveLowest cash above reserve
Banksia Holdings Pty Ltdavailable · A$4,225,000 committed uses · A$4,225,000 expected usesAUD 3,000,000
Drivers
  • Holding company cash pledged to a property guarantee: pledged
  • Term securities maturing after the decision window: available 2027-03-10, after this horizon
  • Banksia Holdings Pty Ltd · 2026-09-11 · Opening available cash: contracted cash A$10,000,000, expected cash A$10,000,000, headroom A$7,000,000
  • Banksia Holdings Pty Ltd · 2026-09-30 · Adviser-supplied tax instalment: contracted cash A$8,800,000, expected cash A$8,800,000, headroom A$5,800,000
  • Banksia Holdings Pty Ltd · 2026-10-15 · Banksia Precision declared distribution to the 78% shareholder: contracted cash A$16,600,000, expected cash A$16,600,000, headroom A$13,600,000
  • Banksia Holdings Pty Ltd · 2026-10-31 · Confirmed family office and investment administration costs: contracted cash A$15,800,000, expected cash A$15,800,000, headroom A$12,800,000
  • Banksia Holdings Pty Ltd · 2026-11-10 · Separately approved principal distribution: contracted cash A$13,800,000, expected cash A$13,800,000, headroom A$10,800,000
  • Banksia Holdings Pty Ltd · 2026-11-20 · Proposed commitment: contracted cash A$5,800,000, expected cash A$5,800,000, headroom A$2,800,000
  • Banksia Holdings Pty Ltd · 2026-12-15 · Holding debt interest under the approved quarterly schedule: contracted cash A$5,575,000, expected cash A$5,575,000, headroom A$2,575,000
Ownership
  • Family-position valuations are already attributed. Enterprise/equity values apply one explicit or effective-dated economic interest; legal, voting and discretionary rights are not substituted.
Evidence
  • Simulated FO source / Banksia / Holding company / reserve policy v1
  • Simulated FO source / Banksia / holding-aud-cash / approved comparison schedule / 2026-09-11
  • Simulated FO source / Banksia / holding-tax-instalment / confirmed cash-flow schedule
  • Simulated FO source / Banksia / Precision board distribution notice v1 / A$10m total declaration; Banksia Holdings receives 78%
  • Simulated FO source / Banksia / holding-office-costs / confirmed cash-flow schedule
  • Simulated FO source / Banksia / holding-approved-family-payment / confirmed cash-flow schedule
  • Simulated FO source / Banksia / Holding loan interest schedule / A$18.25m × 5% × 90/365 = A$225,000
Calculation
  • Required reserve: Approved reserve × AUD per currency unit
  • Holding company AUD operating cash: Available legal-entity cash/security balance × AUD per currency unit; no transfer to another entity assumed
  • Adviser-supplied tax instalment: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Banksia Precision declared distribution to the 78% shareholder: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Confirmed family office and investment administration costs: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Separately approved principal distribution: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Holding debt interest under the approved quarterly schedule: Native dated amount × AUD per currency unit; contractual uses include committed amounts in full, expected uses apply probability separately
  • Minimum cash above reserve: Minimum across all dated ladder points of (opening legal-entity cash + settled/realisable balances + committed receipts − full committed payments − proposed commitment − approved reserve); expected flows are shown separately

Model fo-au-2.0.0 · 19 records read · Approved versioned sources; AUD per native currency unit; selected legal entities; no assumed inter-entity cash transfers

Calculation

What it declines

Know what it will not answer.

Unstructured data, many-to-many relationships and a low cost base can all be built by anyone with a quarter and a team. What protects a decision is the boundary between what the records establish and what a confident sentence could be written about them. Every reply below is the engine’s own, run against these published sample records.

  • What is my personal share of the family wealth?

    Access to an entity's records does not establish a personal beneficial entitlement. The model can show the selected legal estate and approved funding; a personal allocation requires its own documented right and authorised decision.

    Access to an entity's records is not the same thing as a right to its value.

  • What is Banksia Holdings Pty Ltd worth?

    The question names Banksia Holdings Pty Ltd, but the selected entity scope is different. Select the intended entity in the scope controls before calculating; this question has not been replaced by a wider family answer.

    The question names one entity while the scope covers the whole family. A wider answer is not a narrower question's answer.

  • Can we commit US$10m in December?

    This commitment input is in a foreign currency. Supply its approved AUD amount and FX evidence before assessing the paying entity.

    There is no approved rate here that turns a foreign figure into an Australian one.

  • What was our position last year?

    This source set supports 30 June 2026 and 11 Sept 2026. Select approved records for the requested period before calculating it.

    Two dated snapshots are approved. A third would have to be invented.

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