Our Services
Across all of our services, we are focused on delivering a unique and rewarding client experience, through a personalised approach. Please see below for some of the many ways that we can support you to achieve your lifestyle goals and financial dreams.
Wealth Creation
Do you want to build your overall wealth?
The decisions you make today can help you achieve the future you want. Your single largest asset is your current income.
What you do with that income will determine your lifestyle and financial future.
Some of these decisions will include:
Cash flow and Income Strategies (Budgeting)
Gearing (Borrowing to invest)
Superannuation
Protection (Insurances)
Cash Flow and Income Strategies
Are you making the most of your current income?
A good budget is a necessity to take control of your financial future. It is one of the best tools you can have, enabling you to set realistic financial targets, measure your expenditure & ultimately assist your decision-making.
Do I have a budget?
How good am I at keeping to that budget?
Do I have savings capacity?
Am I making the most of that savings capacity?
Gearing
Do you need to borrow funds to achieve your goals?
Gearing is adding borrowed funds to your own to purchase an investment.
A well-known form of gearing is the purchase of property using borrowed funds via a mortgage. Investors can also gear into the share market by adding borrowed funds to their own to purchase an investment portfolio.
Gearing is typically a strategy used by more sophisticated investors or those with a high-risk appetite. This is because while returns can be magnified, so too can losses.
Do I feel I could live with borrowing to buy assets?
How do I make sure I am going to minimise the risks of this strategy?
Debt Management
How can you manage debt to achieve your goals?
Debt can plan a vital role in helping you achieve your goals.
However, it is important that it is well managed and structured effectively to minimise risk and borrowing costs. The goal should be to be debt-free by retirement.
Are you paying more interest than you should?
Do you have too many loans?
Are you making more than the minimum repayments?
Will you be in debt longer than you would like to be?
Superannuation
How can you maximise your superannuation?
As the Government encourages (and mandates) that Australians take responsibility for their retirement income goals, superannuation will be one of the largest assets for us in our lifetime.
There are now many different options around superannuation contributions and with the $1,600,000 cap (per person), brought in 2017, the best way to get a large retirement nest egg is to start early.
Common Questions
Do I understand all the various contributions types?
How do I maximise them?
The trade off – how and when can I access my super?
For many business owners/famers, they state that their business/farm is their superannuation.
How do I ensure that I will have enough in my business/farm for my retirement?
Do I have to consider family members working in the business/farm?
Self Managed Super Funds
This type of advice is often sought by people who may wish to take control of their own destiny. They want to take a more active involvement in managing that money once received.
Insurance
Have you protected your largest single asset – you?
We protect things like our home and car. We can help you create plans to protect your largest single asset - you.
Retirement Planning
Will you have enough money to retire?
This is one of our most common questions. We can assist you with your retirement planning, including other common questions such as:
What are my options, if offered a redundancy?
Is your plan to live in your current home?
Do you have travel plans? Where and how often?
Retirement today is considered to have several phases:
Transition to Retirement
It is common now to reduce your hours of work, continuing to do some work but have some free time to enjoy life. The issue is to match the reduced income with increased social life/activities
Active Years
You have ceased work fully and you have more free time. This phase usually involves more time for hobbies, overseas travel, home renovation and family gatherings.
Sedentary Years
Your body starts to slow down mentally and physically and you tend to have a more passive lifestyle. In this phase, you may move into a smaller home, your travel trends to be closer to home and there is more expenditure on your health.
Frail Years
In later retirement, you can become increasingly frail and your ability to move around decreases. Your restricted mobility means your leisure activities tend to be more limited and your health costs increase.
Other Services
Centrelink
We will work with you to ensure that you access the appropriate level of Government Assistance during your life.
Aged Care Planning
One stage of our retirement journey involves our care in our later years and may encompass Age Care. We will work with you to ensure you receive the appropriate level of care in the location you desire.
Estate Planning
Estate planning is one of the areas that no-one likes to deal with – as it involves us thinking of life when we are no longer around.
However, peace of mind comes from knowing your hard-earned assets will be dealt with in the manner you choose. You want to ensure that the right assets go to the right person at the right time.
We will work with your solicitor and other advisers to ensure that you have peace of mind around this outcome
Family Financial Planning
We believe that you have not worked hard to earn your current and future wealth to see it lost with poor financial decisions made by the next generation.
We work with your children and grandchildren to ensure that their financial literacy is improved and that they can build their own wealth – using these skills acquired to look after your wealth, when they receive it.
For this reason, we have family financial planning packages available to you.
