Our Services

Our role is to bring structure, clarity and strategy to your financial world — from day-to-day cashflow through to long-term wealth and retirement.

Your Financial Plan

It’s often said that there is less certainty of meeting your goals without a structured plan, and your finances are no different. Every person's situation is different and over time our circumstances and financial position does change. It is important for us to understand your broader picture including what's important to you and your concerns. We then draw on relevant strategic advice by formulating a decisive plan which will provide you with direction and better peace of mind.

Superannuation

For most Australian's, when starting a career or if you change jobs, the easiest approach involved joining the company's super plan quite commonly an industry fund. Over time this could mean you have multiple accounts and most likely insurance cover within, which may be more time consuming to manage. It is never too late to take control of and review your super, the underlying portfolio, the costs and insurance benefits. It is important to get professional financial advice to ensure you make the most of your superannuation.

Investment Structures

Outside of superannuation, there are a number of other investment options and structures you can consider, and these can complement your overall wealth accumulation journey. If you have considered starting a savings account for your children, or want to build up an investment to fund a particular goal of yours where you need access to the money in the future, or you want to consider other smart tax-effective options, these investment vehicles can provide you significant benefits.

When developing an investment plan, it is important to ensure the underlying portfolio matches your risk tolerance levels, while provind a return to meet your objective.

We only recommend and implement funds that are well rated and backed by independent research.

What do you want to achieve? And when?

Many people find it easier to identify goals that will occur over the next five years, such as buying a home, acquiring an investment property or new car, saving for your children’s education. Long-term goals of more than five years (for example your retirement goals) may be less precise. But having a starting point, something to aim towards, is better than none. Understanding should be reviewed regularly to respond to changing markets, government legislation and your own personal situation.

Personal Insurance

The good news is that we can use risk insurance to structure a total protection package for you to cover against loss of income, disablement, serious illness and death.

While car and home insurance are relatively straightforward, personal risk cover can be complex, with many different options and levels of cover to choose from. We can help you decide which cover is right for you and what issues you need to consider:

How much cover do you need?

When does it make sense to insure a non-working spouse?

What cover can be paid from super?

What are the tax implications of taking out insurance?

Just remember, your ability to earn an income and afford your lifestyle is your biggest asset, and therefore your income should be protected.

Retirement Planning

For many working Australians, superannuation can be an effective way to secure their financial future in retirement.

Thanks to our high standard of living and medical advances, Australians are living longer - a male retiring at age 60 will likely spend around 22 years in retirement and a female 26 years*. While this is good news, being able to enjoy such a lengthy retirement may cost more than you think.

When planning your retirement, areas to think about include:

When you want to or likely to retire
Whether you want to retire completely or do part-time work
How much super you have
How much income you will need
What you want to do and achieve in retirement.

When you retire, it’s important to consider all your super/pension options that are available to you so you can make the most informed decision.

Superannuation Strategies

We understand that while you can't access your money in super until you reach age 60, it is one of if not the most effective savings vehicle to build up your retirement assets due to the concessional tax treatment in accumulation phase and particularly once in pension phase.

There are multiple contribution strategies than can be utilised both now and in retirement (age dependant) and depending on your circumstances, these offer great incentives such as tax savings now and in the future.

Cashflow and Debt Management

For many of us and to the best of our ability, we try to navigate the day-to-day financial pressure of keeping the household afloat. But it comes with its tolls especially when you have multiple financial commitments such as groceries, mortgage repayments, children's education and activities, and all the other cost of living expenses. For some, the difficulty is trying to be more disciplined to not spend the surplus savings as life is too good at the moment.

Surprisingly, there are ways we can help improve your budgeting and with a couple tweaks, after addressing where your money is actually being spent, we help help put you in a positive position.

Planning Ahead

When we draw up a plan, we conduct in-depth analysis to learn about you and understand your current situation and goals so we can present you with the most appropriate options to suit you now and in retirement.

We can discuss your ideal retirement lifestyle and when you’d like to stop working. We can also help you work out how much income you might need in retirement and gain an understanding of the types of investments and risks you are comfortable with.

Whether you are approaching retirement or still a few years away, it’s important that you understand all of the options available to suit you and your ideal retirement.