Retirement Planning
Whilst retirement might seem like a long way off, creating a plan is essential to retain a comfortable and prosperous lifestyle. Whether your goal is to achieve financial independence or retire at a certain age, we will ensure you are on track. We will recommend strategies to bridge gaps and provide comfort and confidence in how you invest your nest egg. We will work closely with you and act as your sounding board to reach your targets.
Self-Managed Super Fund (SMSF)
A self-managed super fund can provide you with substantial flexibility and benefits for retirement, enabling you to control your investment strategy and reduce and obtain tax benefits. Along with these benefits come some intensive regulations; managing this yourself can often be challenging and time-consuming.
We will work with you and review your existing SMSF strategy and its appropriateness or recommend the establishment of an SMSF if suitable. We will provide strategic and investment advice about your fund and its set-up. We will liaise with other professionals, such as accountants and lawyers, to ensure you are well-equipped to meet your reporting obligations.
Superannuation
Superannuation is a way of saving for retirement. The more you save, the more you will have when you finish working. We will complete a review of your existing superannuation fund, and if you have multiple funds, consolidate them into one. We will advise and recommend investing in the most appropriate super fund option in line with your comfort of investment risk.
Personal Insurance
Life is often full of risks, and keeping yourself and your family safely insured is essential. To find the right solution, we will review your existing personal insurance position and complete an insurance needs analysis to determine the level of coverage you require. We will make recommendations tailored to your situation based on your goals and needs to ensure you have the best protection available. We can also help with any medical applications in case of a claim.
Budgeting and Cashflow
With the correct budgeting and cashflow strategy, we can assist you to get the most out of your money and help you reach your financial goals sooner. We will review your existing cash flow position and make recommendations in line with your goals and objectives: reducing debt, asset investment, saving for retirement and more.
Wealth Creation
Many strategies are used to generate and create wealth and can vary depending on your current position, goals, and timeline. Reviewing your current circumstances will enable us to tailor a wealth creation strategy to your situation and make recommendations for your future.
Centrelink
Centrelink delivers income support and payments to Australians, and often, you will be required to use their services as you are heading towards retirement. For many, this can be quite a stressful and time-consuming task. We can assist you with your application for the Age Pension, Commonwealth Seniors Health Card, and Rent Assistance and liaise with Centrelink by providing them with the correct information and documentation.
Aged Care
Discussions and decisions about aged care can often be confusing and challenging. We are here to help you navigate the complexities of aged care and ensure you and your family find the right financial solution. We will assist you in understanding the process involved in entering aged care and the options available in terms of funding and strategies to keep ongoing costs to a minimum.
Investment
If you want to invest a lump sum or need advice for an ongoing savings strategy, we will take the time to understand your needs, goals, and dreams. We will work closely with you to create a solution or a plan so it’s easy for you to manage, protect, and grow your wealth.
Business (Key Person) Insurance
Key Person Business Insurance is essential for any business, providing cover if a key person dies or cannot work due to injury or illness. Incorporating a buy/sell agreement into a business’ succession planning will ensure the business and key persons are considered and protected. We will review your current business strategy and develop a plan to fund an unexpected event that may impact the business. We will also liaise with accountants and lawyers when required.