We understand the evolving financial needs and strategies needed during each life stage. Our aim is to guide you through the process to help you protect your family and income against detrimental medical events and create wealth for the future. From the university graduate just starting out to those enjoying the best years of their life, our team of financial advisers are versed in all areas of financial planning and will find a strategy that can help deliver you a sound outcome at any point in time.

superannuation

You have choices when it comes to how your retirement income is invested. There are tax incentives that can be used as a tax reduction strategy that may affect your future wealth that we can help you understand. We will make it easier for you to reach your goals by explaining what your options are and the pros and cons to each as they relate to you.

You can now take control over where your retirement income is invested and the flexibility to move it around as your needs shift. We will simplify the choices for you so you can make a confident decision. 

Self-Managed Superannuation Funds (SMSFs) are gaining more recognition and for a good reason. They allow you the freedom to select where you invest your money. We encourage you to work with a licensed adviser first before you decide to go with an SMSF. We will explain to you the tax implications and reporting requirements that may affect you.

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investment

You have heard how important it is to have a diverse investment portfolio. Our job is to help you understand the different investment options and explain which risk profile best caters to your stage of life. Whether it’s a personally held portfolio or superannuation, we can manage it for you and provide customised advice accordingly. 

We generally construct ‘blue chip’ portfolios with a view to maximising diversification. Investment in asset classes such as infrastructure, Australian and international shares, cash, bonds and property can provide a healthy balance between income generation and long term capital growth. Diversification protects your investments and assists with safeguarding your future wealth.

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cash flow

As part of your overall financial strategy, we look at how you spend money and manage debt to provide sound budgeting and cash flow advice.

Preparing an accurate budget that is realistic to your spending and saving habits allows you to adjust your financial strategy to stay in line with your goals. While increasing your investment base over the long term, the tax is also a consideration. Our job is to help you minimise your liabilities while looking at all possible deductions, offsets and rebates.

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risk protection

You can minimise surprises that affect your income and investments by taking the time to create a risk protection plan. Income protection, life insurance and disability insurance can help you and your family during times when you are unable to work due to illness or injury. We can explain the different options so that in the scenario an unexpected event occurs, you will be prepared. 

Personal insurance is designed to protect your personal assets and wealth, ensuring your family and income is insured against death, disablement, illness or injury. Our job is to help you understand what amount of cover is best for you.

  • Personal Insurance
  • Wealth protection
  • Income protection
  • Life Insurance
  • Disability Insurance

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debt structuring

All debt is not bad. It may be to your advantage to carry a certain amount of debt. As we work with you to understand your financial situation and goals, we will look at the debt structuring options that would be best for your needs. 

We can help you structure mortgages and investment loans so you are paying off non-deductible debt as soon as possible while preserving tax deductible debt that will create the greatest amount of wealth.

estate planning

Estate planning helps you take care of your family by arranging what happens with your property and assets after you die. Many people are familiar with parts of estate planning such as a will and Power of Attorney. But there may be more available to you that would further protect your investments and provide your family with peace of mind now and in the future.

We will explain estate planning to you in simple terms and refer you to a lawyer when needed. There are tax implications that need to be considered when making an estate plan and we will help you understand what you need to know. 

Estate planning is not a topic any one likes to discuss but it is one of the most important. By taking the right steps now, you will protect the future of your assets and your loved ones.

As your team of experts, we can assess your options with greater care and knowledge. Estate planning is part of your financial strategy. It is never too late to start the process - the earlier the better. 

Estate Planning Includes:

  • Wills
  • Powers of Attorney
  • Testamentary Trust
  • Taxation Implications
  • Binding Death Nominations
  • Trusts

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