Skip to content

ADVICE SERVICES

We provide a full range of financial advice services, including but not limited to the areas listed below.  More often than not our advice encompasses multiple areas of advice as we focus on developing the best possible financial strategy for you. Initially, we will consider your broader circumstances before setting and agreeing the scope of the advice with you.

In the event your advice needs fall outside of our areas of expertise, including taxation and legal advice, we will refer you to one of our professional contacts to assist you further. 

Please click on the links to find out more about each of these advice areas, or contact us to find out more.

Cash Flow and Debt Management

Cash flow and debt management is a key part of your financial plan. It is one of the first things we look at for all of our clients.  After all, you can’t achieve financial security without a thorough understanding of what comes in and what goes out.

Managing debts effectively can minimise the net interest payable or increase tax deductibility, ultimately leaving you with more money in your pocket which can then be put towards other financial goals.  Whatever your debt situation, we can ensure you’re managing it effectively and efficiently, helping you build a better financial future.

Investments

Investing refers to growing your wealth by buying and sometimes selling assets that provide income while you hold them and capital when you sell them. 

Choosing the right types of investments and the right investment structure can be a daunting task.  This depends on a multitude of factors including your investment preferences, your investment time frame, your personal tax rate, your investment risk tolerance, and your investment objectives. We can guide you through this process to determine the best investment setup for you and can assist in the establishment and ongoing management of your investment portfolio.  

Tax Planning

Tax planning means managing your financial affairs such that the amount of tax you pay is minimised as much as legally possible. The idea is that you pay all the tax you have to – but no more.

Optimising your tax planning unlocks enormous potential for your financial plan. In fact, getting the tax planning right is typically more important to your financial performance than just about any other aspect – including things like choosing the right investment.

This is why tax planning is another key element of most financial advice strategies.  Whilst we are licenced to provide financial advice on any tax implications, you should always seek tax advice from a licenced accountant to confirm any relevant tax implications.

Superannuation

Most people think of superannuation as a piggy bank for retirement. In fact, it is much more than that.  It is a concessionally-taxed investment structure that is (or should be) a cornerstone of most people’s financial plan.

This is because ‘super’ touches every other aspect of your financial planning. The way you manage your super impacts on how you manage your insurances, your other investments, your tax planning, your retirement planning, your marriage, your divorce, how and when you might help your adult kids out financially, your estate planning and even how you repay your own mortgage.

The 3 different types of super funds are Industry, Retail, and Self-Managed Super Fund. We can help you select the most appropriate option for your needs, help you choose the right investment options and ensure you are managing your fund effectively. 

RISK PROTECTION

Risk protection covers you for those “what-if” scenarios none of us really like to think about.  It insures your life and good health, which is actually your most important financial asset. That is why risk insurances are almost always the essential first step in any financial plan, particularly for those who have debt and dependents. Insuring yourself against a loss of income or earning ability allows you to protect you and your family’s current lifestyle, even if something unwanted happens.

Insured events can include things like temporary illness, permanent illness, temporary injury, permanent injury, or the premature death of the insured person.

We can help you determine the right amount of cover to suit your needs, and advise you on the best products, structure and optional extras to ensure the premiums are minimised where possible. 

Retirement Planning

Everybody wants to retire as comfortably as possible.

It is never too early to start planning your retirement. For younger clients, retirement might be a little in the background, but we can still show you how to manage your affairs so that what you do today also benefits you when you retire.

For clients closer to retirement age, we help you decide when and how to start the transition from working life to retirement. For some people this transition is a gradual process. For others it is more sudden. Either way, we help you ensure that you make the transition as comfortably and successfully as possible.

This may include things like planning for the potential use of Centrelink and other Government benefits.

For clients who have already retired, our aim is to help you live a happy retirement whilst making sure your money lasts as long as you need it to. This means ensuring that you have invested your super in the right place and that you are managing the costs of your investments – including tax – as efficiently as possible. 

Estate Planning

Estate planning is the process of ensuring that your wealth is directed according to your wishes after you die. Making sure your wealth goes where you want it to is not just as simple as preparing a will – although a will is a key part of your estate planning. You also need to consider things such as your superannuation benefits, family businesses, assets owned by legal entities such as family trusts as well as assets owned as joint tenants, etc.

We can assist you in some of these areas and can refer you to a specialist solicitor for more specialised legal advice.  Estate planning is an integral part of holistic financial planning, to ensure that your affairs are handled as per your wishes in an effective manner, both now and in the future.

How is your financial future shaping up?