Financial planning is the comprehensive ‘tying together’ of all of your financial affairs. On other pages of this site, we talk about the services we provide in specific areas of your financial profile. Financial planning ties all of these together and looks at your profile from a wholistic perspective. This means ensuring consistency with the way you manage everything that you do. Making sure, for example, that the way you manage your superannuation interacts with your business planning, your insurance planning, your retirement planning and your estate planning. Effective planning in any one of these areas will add value to your financial management. Effective planning across all of them will super-charge your finances.
Financial Planning Solutions
We advise pre-retirees who want to prepare and structure their finances to achieve a desired lifestyle in retirement so that nothing is left to chance.
Help to plan ahead
Your retirement could be whatever you want it to be. But longer lifespans and earlier retirements bring the need to plan carefully, well in advance.
Your health and ongoing independence will be fundamental to a long and happy retirement, and your strong financial position, key to an enjoyable lifestyle.
How we can help
The earlier you begin to plan for your comfortable retirement, the better off you may be. We’re here to help you:
- Understand your financial situation now and in retirement.
- Determine when you’ll have access to your super and how you may be able to maximise any Government initiatives you may be entitled to receive.
- Calculate the amount you’ll need by a particular date and plan for accumulating enough savings before you retire.
- Assess whether the right structure is a pooled fund, Master Trust or an SMSF.
- Assess whether direct shares and bonds or managed funds are appropriate for you.
Superannuation ExplainedDownload Your Free Guide
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You can access a range of fund managers through products approved by our licensee:
If Property is on your mind, we are the home loan refinance specialists. We have access to over 20 major lenders and can find you the best combination of rate and structure so you can own your home outright sooner.
The added value of having the right structure
Choosing the right home loan is more than just a low rate. The right structure can save you thousands in interest over the life of your loan. Not only do we get you a low rate, we show you how to own your home outright sooner.
Want to turn non-deductible debt into tax-deductible debt? Ask us how.
How we can help
It’s important to make the right choices when looking for a home loan. We can help you:
- Refinance your existing home loan to a better rate and structure
- Buy your first property
- Buy an investment property
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7 Tips to Save You Money on Your MortgageDownload Your Free Guide
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Our Accredited Mortgage Consultants can access a range of lenders, including:
There is no time like the present to start making more of your money. Choosing the right investments at the right time could make all the difference to how much you end up with.
Help to choose well
You’re not alone if you feel overwhelmed by the investments on offer. It can be challenging to know which choice is right for you, and what risks you may face.
We’re here to share our knowledge and experience. We can create a plan to help you achieve financial success.
Our practice can advise on comprehensive investment strategies including:
- Direct shares, ETFs, Listed Investment Companies and Managed Funds
- Investment Gearing
- Debt Recycling
How we can help
If you’re unsure which steps are the right ones for you to take, or how to get the best structure to minimise tax, we can help you:
- Identify which tax-effective investment strategies may be most relevant to you
- Educate you on the risk and return characteristics of different asset classes
- Facilitate long-term goals such as saving for your retirement or a child’s education
Tax Effective Investing ExplainedDownload Your Free Guide
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Nobody likes to think that things may go wrong but sometimes events can occur that are beyond our control.
What if things change?
Even though you can’t see what tomorrow holds for you and your family, you can do something to protect them today.
A sudden or unexpected event or illness could potentially change your life in many ways. And the last thing any family needs is financial stress during a difficult time.
Protecting your family from the financial adversity an unforeseen event can cause could make a world of difference to them.
How we can help
Being ready could make the difference. We can help give you and your family peace of mind that in the event of your illness, injury or death, their lifestyle can be maintained.
We can help you determine the appropriate insurance cover – income protection, death and total and permanent disability (TPD), which may provide a lump sum or ongoing regular payments to your family if the need ever arises.
Personal Insurance ExplainedDownload Your Free Guide
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You can access a range of insurance providers through our advice:
We work with retirees who want to balance their assets and income needs – to effectively navigate the asset heavy, cashflow light conundrum.
Can you make more of your money?
Everyone’s idea of how much money they’ll need in retirement is different.
We can work with you to create a plan for managing the money you do have, so you can stop worrying about where the money will come from and how long it will last, and start enjoying your retirement.
How we can help
We can structure your retirement funds in a tax-effective environment, so that your money lasts as long as you need it. We can help you:
- Achieve a balance between day-to-day spending and your long-term needs.
- Understand how the value of your home can fit into your retirement plans if appropriate.
- Make a smooth transition from earning an income from employment, to earning an income from your superannuation or savings.
Retirement Income ExplainedDownload Your Free Guide
Speak with us about how we can help you make the most of your retirement funds.Contact us