Full Financial Planning
The construction of your full financial plan is of paramount importance if you are to maximise the effectiveness of your financial strategies. The financial plan we will create for you will outline the process you should follow in order to implement the most appropriate strategies based on your financial position and your future lifestyle and financial objectives.
Investment Advice
Investment advice relates to structuring your investments in a manner that will allow them to achieve your goals and objectives. Every investor has different goals and attitudes to risk and investing. So it is important that every person receives advice to best structure their investments to their individual needs going forward. If you already have an investment portfolio it is particularly important that you obtain advice to ascertain that your investments are of the highest quality and specifically meet your needs.
Pre & Post Retirement Planning
It is extremely important to obtain Full Financial Planning advice surrounding ones retirement. It is particularly important to begin the planning process before retirement motions are put into place so as to adequately structure your circumstances to achieve your goals and objectives. It is also important to continue the planning process after retirement has occurred to ensure that your needs continue to be met and your retirement is as sound as possible
Salary Packaging
Salary Packaging is combining of a range of benefits and salary as part of an employee’s remuneration. It is done for a variety of reasons, most commonly tax effectiveness and convenience. We have extensive knowledge of Salary Packaging strategies that can benefit our clients.
Self Managed Superannuation Strategies
We are Self managed Superannuation Fund (SMSF) specialists that are able to tailor SMSF strategies to your needs. This includes the creation and ongoing strategy of the fund to ensure that it meets your Superannuation needs. A Self Managed Superannuation Fund is an extremely flexible Superannuation fund allowing the investment of non-traditional assets that most ordinary Superannuation funds do not allow.
Personal Insurance
Here are several different types of personal insurance policies available to cover loss of income through personal injury, sickness or death. Personal Insurance is extremely important during a number of phases in your life including when your raising children, have substantial debts or in partnership in business as loss of income or the ability for the family to produce an income can be disastrous. We have access to all of the leading Insurance Providers and their policies and can compare their benefits to recommend a policy that is suited to your needs.
Estate Planning
Estate Planning is one of the main requirements of Full Financial Planning as it is necessary to plan the most efficient way for your assets to transfer to your beneficiaries. An Estate Plan can be tailored to achieve significant benefits for your dependants and continue achieving your objectives long into the future.
Gearing & Wealth Creation
Gearing involves borrowing money to purchase an investment and there are many circumstances where Gearing can benefit the client with increased wealth and significant tax advantages. The strategy needs to suit a clients needs strictly and we are able to identify gearing as a strategy in an analysis of clients needs.
Portfolio Reviews
Just like the investment and economic environment changes, so does an individuals circumstances. One of the cornerstones of all investment portfolios and strategies is to actively monitor and tailor there significance and effect to an individuals situation. We provide the ability to review existing portfolios to ensure that you have the best performing assets and strategies available in the marketplace and ensure that your overall strategy is meeting your goals and objectives both now and into the future.
Tax Effective Planning
Tax Effective Planning is a speciality of our business and involves identifying strategies and products that can reduce and in many cases eliminate the amount of tax that an individual is liable for.
Social Security & Centrelink Advice
Social Security legislation is becoming ever increasingly complex and as such we are able to give advice as to the changes and adopt strategies that are centered around increasing the amount of Centrelink assistance that may be afforded to you.
Managed Funds
Investors in managed funds, pool monies to buy a range of assets within a particular asset class. They enable smaller investors the ability to diversify their holdings across a large range of investments without having to do the investing or having large amounts of capital involved.
Personal Superannuation
We have access to a huge range of Personal Superannuation funds that are open to the general public. These funds may become more relevant to you due to the choice of Superannuation legislation that has been enacted.
Corporate Superannuation
A legislative requirement for all businesses with employees is to have a default fund for Superannuation Contributions to be made into on behalf of their employees. We are able to advise the best Superannuation funds that suit the employer and the employee.
Self Managed Superannuation Funds
As trustee/s of your own super fund, you have maximum flexibility in relation to fund assets/investments, tax strategies, and estate planning. The creation and ongoing strategy of a SMSF fund will ensure that your Superannuation needs are met. A Self Managed Superannuation Fund is an extremely flexible Superannuation fund allowing the investment of non-traditional assets.
Tax Effective Products
There are a number of products that are available that can reduce the amount of tax payable on earnings or earn a tax deduction to offset other assessable income. They are to be used in an overall investment strategy that can also help to create an income stream in the future.
Life, Disability & Trauma Insurance
Term life insurance provides a lump sum payment upon the death of the insured and is quite often included within your superannuation. Total and permanent disablement provides a lump sum payment or regular income following sickness or accident causing permanent disablement. Trauma insurance provides a cash lump sum payment when the insured person suffers certain specified medical conditions (i.e. heart attack, stroke or cancer).
Income Protection Insurance
Income replacement provides a regular income when your regular income is interrupted due to a temporary disablement.
Retirement Income Streams
Upon retirement, one of the most effective ways to produce an income from your Superannuation is to create income streams using products such as Allocated Pensions, Annuities and Term Allocated Pensions. Each of these income streams have different benefits and disadvantages and are part of an overall strategy to suit your needs and objectives.
"This information is general in nature only. It does not take into account your objectives, financial situation or needs so you should consult a professional adviser, who will consider your particular financial position and requirements before making a recommendation."
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