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.

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

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.

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.

How we can help

We can help you decide how an inheritance fits in with your overall financial goals, structure and retirement plans.

Often clients will consider a combination of the following:

• Invest the money
• Boost super or retirement savings
• Reduce debt
• Reduce tax

You would need to consider how such a windfall fits in with your lifestyle goals and whether there's any other considerations that arise such as estate planning needs.

You may also want to set aside some funds to treat yourself or support your favourite charity.