Wealth Advice

“What you really want to do with investments is figure out what’s important and knowable.”
Warren Buffett

Managing and understanding risk within investments can cause anxiety. We can assist you to create a strategic investment portfolio that will enable you to build wealth with more confidence and resilience.

We can help to:
• Educate you on investment options and strategies
• Structure an investment portfolio tailored to your risk profile
• Create a SMSF to self-invest superannuation funds

Lifestyle Planning

Depending on life stages, retirement is a fact of life. Even if retirement is a far horizon, a near distance or already a vision we all still need to prepare and manage it. We will work closely with you and strive to achieve your lifestyle needs and maximise your superannuation benefits.

We can help to:
• Review your financial situation and recommend strategies to meet your lifestyle goals
• Review and recommend wealth protection plans, help create a will
• Assist with planning when you may be able to retire, how much you need
• Continue to review your insurances and investments, make adjustments if required and continue to plan for your desired lifestyle
• If you have retired, we will monitor your investments and retirement income and provide regular updates about social security changes that might affect you.

Estate Planning

If an unforeseen event occurs, you want to make sure your family are well looked after and your assets are distributed to meet your wishes. We can work with other parties to ensure this does occur with the assets we manage on your behalf.

We can help to:
• As part of a solid comprehensive financial plan, we will provide necessary details about taxation and legislation
• Ensure all your superannuation and personal insurances are in order and your wealth and assets are protected.
If you have a Will, we will generally highlight that you review it regularly to ensure it meets any changes with your circumstances. We cannot provide legal advice or write a Will, but we can advise the social security benefits that could assist your family.

Debt Management

Using credit can be a bonus if you need it but can be a challenge to pay-off. We can coach you to manage debt and change habits.

We can help to:
• Set-up a budget and track expenses
• Consolidate debts and find lower cost solutions
• Save interest where possible

Types of debt we can help with:
• Credit cards
• Personal loans
• Car loans

Business Planning

In today’s world businesses must be nimble, resilient and prepared to deal with their competitors and stay a step ahead.

What to consider –
• Where should I go to seek advice?
• Insurances
• What about my obligations with employees?
• Superannuation
• Taxation
• Succession planning

How can a planner help?
• Advise on the financial planning aspect of the business plan
• Advise the superannuation requirements for you and your employees
• Recommend superannuation funds or managing a self-managed super fund
• Advise on insurances specific to your business

Personal & Business Insurances

Financial security and peace of mind is a must. We can provide advice on structuring your personal insurances to protect you and your family when the unforeseen could occur.

We can help to:
• Review your current insurance arrangements to advise on shortfalls or other needs
• Advise on Life cover and Total and Permanent Disability (TPD) cover
• Advise on Income Protection
• Advise on Critical Illness cover
• Advise on structuring polices within super and help you to save more tax
• Assist in the event of a claim to attain the best possible result according to the policy requirements