We offer in-depth knowledge and advice in the following key areas:
- life-stage financial planning
- wealth creation, including: asset allocation and investment selection; and investment gearing
- superannuation and retirement planning, and
- risk insurance.
Our other services include:
- redundancy planning
- Centrelink entitlements
- corporate and group superannuation plans estate planning, and
- salary packaging.
Wealth creation is about building financial security now so you can focus on enjoying your lifestyle in the future. Choosing where and how to invest your money is a difficult decision and will depend on many factors including your overall investment objectives, approach to investment risk and the amount of time you have to invest.
We can help define your personal situation and recommend financial solutions and strategies to help you reach your financial goals.
Whether you are investing to finance your business, lifestyle, private education or provide for your retirement, it's never too late to take control.
Planning for retirement is one of life's most important financial considerations. The actions you take today will determine your lifestyle in the future.
Superannuation is one of the most tax-effective long-term retirement savings vehicles, however it can be difficult to keep up with changing rules and regulations. We can explain the rules and provide you with strategies to help you maximise your retirement savings.
Risk insurance forms a critical part of the financial planning process. It provides you with protection against the financial implications of an event such as death, disablement, serious illness or injury.
There are a range of insurance options available that we can tailor to suit your needs and personal situation. The most common types of risk insurance include:
In the event that you suffer an illness or injury and are unable to work, income protection provides you with a monthly benefit of up to 75 per cent of your salary.
Life insurance helps alleviate the financial burden your family may be left with after your death. This is paid as a lump sum to your nominated beneficiaries to assist with medical costs, funeral expenses and help maintain your family’s lifestyle.
Total and permanent disability (TPD)
This provides a lump sum in the event of a total and permanent disability that prevents you from ever returning to work.
Trauma insurance is paid as a lump sum upon diagnosis of an eligible condition (eg cancer, heart disease).
Self-managed super funds
Self-managed super funds (SMSF) gives you control of how your superannuation benefits are invested, operated and managed. SMSFs allow you to invest in a range of assets such as shares, managed funds, term deposits, property, art and collectables. You also have the option to borrow to purchase property and shares.
While SMSFs are a compelling structure for those who want full decision making capabilities, having your own fund can generate a mountain of paperwork, such as looking after the establishment, asset administration, super administration, investment strategy and end of year financials.
As well as assist you with the establishment of an SMSF, we provide you with ongoing strategy, investment, insurance and estate planning advice for your SMSF and can provide assistance to other superannuation professionals in relation to asset administration, super administration and end of year financials.
Navigating the current aged care system can be a confusing experience, particularly with the recent changes. We are able to provide expert guidance and aid with your (or your family member's) transition to assisted living.
We have helped many older Australians develop strategies to maximise their finances for the different stages of residential care. We can also help you by providing advice on the preservation of your assets for estate purposes.
Some of the aged care service we offer are:
- General educational consultation - A general meeting with us to discuss the process of entering residential care – including an overview of the rules, regulations fees and charges involved.
- Centrelink assessement forms - We can assist with the process of your centrelink financial assessment.
- Complete advisory service - We provide you with full written advice with our recommendations, analysis and forecasting. We also provide you with options for a number of different scenarios.