Financial Planning is the foundation of your financial future and represents the difference between creating your financial future, and simply allowing it to happen.
If you want a sound financial future you need good overall advice, not bits and pieces of advice from a range of sources that may not fit together.
Financial planning gives overall advice in a financial plan that will:
- be based on your objectives
- meet your needs
- minimise tax, and
- minimise financial risk
Your financial plan will show you what you need to become financially secure and what assistance you will need from other advisers (eg. your lawyer or accountant) to implement the plan strategy.
Superannuation and Self-Managed Superannuation Funds
Superannuation is one of the most tax effective ways of investing to accumulate wealth for retirement and it is vital that you maximise the value for your superannuation dollar.
We provide advice on personal and corporate superannuation as well as Self Managed Superannuation Funds.
We will consider your needs and work with you to develop a superannuation strategy which will assist you in achieving your financial objectives.
Retirement and Planning
For most people retirement is a time to look forward to having more time to enjoy the things they love most. It can also be a time when individuals become concerned about making decisions which will affect their financial future.
Major decisions need to be made, such as:
- When will I retire?
- How much money will I need?
- Will I be able to afford the lifestyle I lead now?
- Where can I get help if I need it?
Experience has shown that early planning will allow our clients to make the most of their money. As professional advisers we can show you how to maximise your retirement income whilst carefully assessing current tax legislation and possible Social Security entitlements.
Risk and Insurance
The best planning in the world can be jeopardised with the sudden loss of ability to earn income, or worse still, loss of life. We can make sure your income continues if you are suddenly unable to work.
We offer advice on a range of risk insurance products including:
- Income Protection – to cover you should you become sick or injured.
- Trauma Insurance – to cover you should you become gravely ill,but may be able to return to work at a later date.
- Total and Permanent Disablement – to cover you should you sufferan injury or illness that would total and permanently incapacitateyou from working.
- Term Life Insurance – to cover loss of income by providing fundsfor repayment of debt or to secure a business should you die.
- Business Insurance – which is designed to cover you for businessexpenses if you are self employed and unable to work.
No matter how much or how little money you have, financial planning is about making the most efficient use of the money that you have. We have access to the latest information from key market sources.
We provide access to the following investments:
- Australian Equities
- International Equities
- Cash/Fixed Interest
- Property Trusts
- Hedge Funds
- Socially Responsible Investments
Margin and Lending
Margin lending is a tax effective way of borrowing against your share and managed fund investments to increase the overall value of your portfolio.
Margin Lending increases the value of your investments allowing greater diversification and potential returns with tax deductible interest. However, it is not a suitable investment strategy for everyone. We can advise whether margin lending is worthwhile for you.
Tax Effective Investment
As experienced advisers we can assist you in making investment choices to enable you to achieve ongoing results and investment returns.
Long term tax effective planning impacts as much on wealth creation as investment planning. We can help to provide whole-of-life tax effective planning to supplement the investment options discussed with your accountant.
We are happy to work along with your Accountant to ensure that the advice that they provide to you is incorporated into the financial planning process.
Please contact us to discuss your requirements