Our Services

Financial planning involves developing comprehensive, effective strategies to strengthen your financial security and ensure your financial goals are met.

Our qualified, experienced team can discuss your financial options with you and provide sound financial planning strategies that include:

  • Initial financial planning advice
  • Implementation of a financial plan
  • Ongoing investment portfolio management

We provide a wide range of financial services through our practice. Below is an example.

Asset Protection

Asset protection is an integral part of your overall financial plan. It involves an assessment of your goals and objectives for your business and /or your personal life.

After an analysis of your current financial situation, needs and objectives, we work with you to determine the right level of cover and tailor an asset protection strategy that best suits your individual needs.

Salary Packaging

Salary packaging advice is based upon your goals and objectives relative to how you want your salary paid. It takes advantage of the opportunities and tax concessions available.

Wealth Creation

Building wealth is all about putting long term, tax effective wealth creation strategies in place.

We look at all aspects of your lifestyle, we work with you to define your short, medium and long-term goals develop tax-effective strategies to suit.

We have access to over 30 Fund Managers and 300 Investment Products available in Retail, Wholesale or via a Master Trust or Wrap Account, all tailored to suit your individual needs.

Aged Care

We provide tailored financial advice to individuals of pension age and their families looking to enter Aged Care Accommodation.

As specialist advisers to the Aged Care Industry we can assist you with all areas of aged care, including:

  • organising payment of an accommodation bond
  • Maximise Government Benefits
  • Minimise aged care fees and charges
  • the calculation of income tested fees

Retirement Planning

We provide tax efficient advice on Personal Superannuation, Company/Corporate Superannuation Plans and Self-managed Superannuation Plans.  Read more

Superannuation – How much is enough?

We can work out how much money you will need in retirement and create a tax effective plan to help you get there.

The Association of Superannuation Funds of Australia believes a single person needs an annual income of $39,081* and a couple needs $53,456* to live comfortably in retirement. To achieve this, depending on when you intend to retire, you would need to have in your super fund:

Super Fund

Super Fund Retirement Table

 

^ Source: Colonial First State. Assumptions: earning 6.5% pa after fees and taxes with inflation at 3% and paid via an indexed income stream. A change to any of the assumptions and variables can produce significantly different results.

* Source: Association of Superannuation Funds of Australia Westpac ASFA Retirement Living Standard, ‘How much do you need to spend to have a comfortable standard of living in retirement’ June 2010

Read more

Estate Planning

Our estate planning process involves structuring your assets in a tax effective manner and the distribution of personal assets to ensure that your chosen beneficiaries derive the maximum benefits from your estate.

We work in conjunction with accountants and solicitors to ensure that the right outcome is achieved for you.

Some of the major estate planning tasks includes:

  • Creating a will
  • Limiting estate taxes by setting up trust accounts
  • Naming an executor of the estate to oversee the terms of the will
  • Setting up funeral arrangements
  • Establishing annual gifting to reduce the taxable estate
  • Setting up a power of attorney (POA) to direct other assets and investments

If you would like further information or would like to arrange an appointment please contact us.