The right strategies will help you create, protect and manage your wealth.
We have a wide range of experience and technical knowledge that form a comprehensive toolkit of financial strategies. After getting to know you, we’ll meticulously and delicately piece together the elements required to form your unique strategic plan to achieve your goals. Some of the components that may be considered are:
- tax effective strategies
- integrating investments
- growing your superannuation
- assessing your insurance needs
- retirement and succession planning
Investment Advice & Portfolio Management
Having someone to help you navigate the complex world of investments can be essential to long term success.
Investments are a crucial element to most financial plans, however the options available are countless and complex. What may be right for your neighbour may not be right for you.
We can offer you a range of technical expertise in various financial instruments. We focus largely on helping you understand your choices and pairing you with the most appropriate investment to attain what you want to achieve.
Part of our process is diving deep into your appetite for risk, learning how you would feel in certain economic situations and and how different outcomes would directly affect your standard of living for the short or long term.
Once you have an investment portfolio in place, we will review this regularly to ensure it remains on track to meeting its objectives and discuss with you any tweaks that need to occur.
Superannuation is one of the most tax effective structures that can be used to create wealth for retirement.
Superannuation can be a tricky maze to navigate with the ever changing rules, myriad of products, and various types. We’ll not only guide you through choosing the right superannuation fund for you, we’ll take a more specific approach – analysing the investment options available, adequacy of capital and taxation opportunities.
Additionally, we have extensive experience in dealing with Self Managed Superannuation Funds. These structures provide further flexibility for effective retirement planning but involve more complexity and responsibility to manage and maintain. If appropriate, we can help you establish and administer this type of fund on an ongoing basis.
A well structured plan to save for your retiremet will bring profound peace of mind allowing you to look forward to this special time of life.
Whether you are 25 or 55, we should all be thinking about our retirement and how we would like to live for the golden years of our lives. Anything is possible with effective planning, a structured approach and accountable monitoring. It is crucial that any retirement planning be specific for you, taking in to account your adequacy of income, wealth protection and investment risk appetite.
Over time, various factors will impact your retirement planning and may result in changes to our approach. These factors include:
- economic markets
- taxation rules
- Centrelink changes
It’s also important to remember that the planning shouldn’t end when you retire. We’ll continue to work with you to review your overall retirement lifestyle goals and keep your financial strategy up to date and performing at its best.
Budgeting & Saving Strategies
Better understanding of your expenses and long term cash goals can help you take back control of your money and lifestyle.
Controlling your expenses and understanding your money management strategies will reduce your stress and lead to financial freedom. We work with you to formulate a plan that helps you gain control over your everday cashflow, whilst also attaining those longer terms goals, such as repaying debt or saving for something special.
A sound financial plan needs to include preparing for things you hope will never happen. You need to know that your family, assets and income stream are protected if the unexpected occurs.
While getting to know you, we’ll spend time conducting a comprehensive analysis of your needs that can be protected through insurance. Although there are various other types of insurance, the following four types are most commonly appropriate:
- Life Insurance: financially protects your family in the event of your death
- Total and Permanent Disability (TPD) Insurance: financially protects your family should you become disabled and are no longer able to work
- Trauma/Critical Illness Insurance: financially protects your family should you experience a serious illness such as heart attack, cancer or stroke
- Income Protection: provides you with the ability to keep up your financial commitments should you be unable to work for a period of time due to illness or injury
As part of your analysis we’ll consider what types of insurance you might need, the correct level of cover, the structure of potential policies and which insurance product will best serve you.
Loans & Debt
Ensuring you have the right debt strategy and a loan that works for you can put your dreams within reach.
Debt doesn’t have to be a bad thing. It can be a handy tool to help kickstart an investment strategy or get you into your first home. We work with you to carefully analyse what your affordability threshold is and determine if debt is the best way to reach your goal. Alternatively, you may need to review your existing debt arrangements.
It is important that you have someone who can help you find the best possible loan on the best available terms and we can put you in touch with mortgage brokers, if needed. Combining a well considered debt repayment plan and the most appropriate financing instrument you may find your financial goals within reach sooner than you think.
Centrelink is here to help. Let's make sure you don't miss out when you need it.
With the ever changing regulations surrounding government entitlements, we pride ourselves on maintaining current knowledge on assessment criteria and eligibility.
Centrelink is a fabulous government resource that is designed to be there when you need it most. If eligible, we ensure you get the most out of this service. Used in conjunction with smart strategies, these entitlements can play a pivotal role with helping you get on with your life.
They say you can't take your wealth with you when you die, so we want to help you plan how you leave your wealth to those you leave behind
Estate Planning is a complex field that requires professional advice from both financial planners and solicitors. In the role of your financial planner we can:
- integrate your estate plans with taxation, investment, business and insurance considerations
- manage the issues associated with a sizeable inheritance
- use tax efficient wealth transfer strategies
- support family wealth education
- help with estate and trust administration where required
Working together with your solicitor, we can coordinate and ensure that your estate planning documentation accurately reflects your wishes.