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We’ve got you covered for every stage of your life journey

Our focus is on getting to understand our clients so we can help develop specific financial strategies which are tailors to their specific needs. As part of the planning process we will talk through the following areas:

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Wealth Creation

Considering a broad range of strategies and investment opportunities to build a solid investment portfolio. Areas we will consider will include:

  • Cash management trusts
  • Share investments
  • Insurance bonds
  • Managed investment funds
  • Property investments including mortgage trusts

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Superannuation

We all hope to eventually retire comfortably and there are a number of ways in which you can increase the size of your retirement nest egg. The younger you start planning the better the lifestyle you can expect to enjoy. Strategies to consider include

  • Tax effective superannuation building strategies
  • Establishing a DIY Superannuation Fund
  • Combining your superannuation with insurance benefits, etc

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Personal protection and business protection

Insurance provides protection against sickness, injury and death and includes Life insurance, Total & Permanent Disability (TPD) insurance, Trauma (Critical Illness) insurance and Income Protection.

Your greatest asset is your ability to earn an income. Yet while most people protect their home and possessions with insurance policies, all too few insure themselves against sickness or accident or death.

This is particularly important if you are self-employed. If you are a business owner, in partnership and or employ people it is also important to consider various business protection strategies.

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Transition to retirement

In preparing for retirement there are important strategies to consider which can make a considerable difference to how you spend your retirement. This will include plans for

  • Tax effective strategies to help increase your superannuation
  • Converting a portion of your superannuation into an Allocated Pension
  • Minimising your tax obligations once you reach superannuation preservation age.

Income during retirement

While most people are really clear on how much they currently spend, not many have much of an idea about how much money they will need each year when they retire.

There are two types of income you can expect to receive when you retire, your super and the age pension. We can help you calculate how much income you will receive from each of these sources and then develop a plan to ensure you have clarity on what to expect during your retirement years.