Areas of Advice
For young professionals with an above average income on the start of their savings and investment journey, or business owners managing cashflow with limited time to focus on their personal financial goals. This package will help you to clearly define your goals and create the foundations and systems that will allow you to continue to build wealth with confidence.
This package will establish a clear cash management and budgeting program giving you a strong core, the foundation of your future wealth creation.
We will review your superannuation investment portfolio and put you on track for the long term goal of retirement. Your wealth protection will be reviewed to ensure you, and your loved ones are protected.
Young Professionals & Business Owners
You may have already bought the home and started the family, or you may have had a setback like divorce and are starting again and need to review if you are on track to achieve your financial goals.
This package will look at cash management strategies to ensure that your money is going far and not fast. We will look at what you need to achieve in the next five years and what you hope to achieve in the next ten, measure if you are on track and develop strategies to help you achieve your goals.
A full analysis of your life insurances will be undertaken to ensure your wealth is protected and look at your superannuation structures to identify any tax effective investment opportunities you may have available to you.
Getting On Track
Retirement Planning
Retirement planning should start at least fifteen years before retirement. Fail to plan, you plan to fail as the saying goes. If you have left your run too late, we can get you back on track with strong strategic investment and taxation guidance. Those wondering what’s the best time to start planning wealth creation to support you for the rest of your life…… It’s never too early or too late.
Our retirement planning package works with clients to help you to understand how much you will need in retirement, what tax savings strategies are available to you to help extinguish the mortgage and top up your super balance. We discuss and identify your investment strategy or lack of and curate a tailored balance of growth and defensive assets creating a portfolio that is right for you.
We also help retirement clients understand that investing does not stop at your retirement date, we want your money to keep working and as such, our ongoing investment meetings become an invaluable part of our client’s retirement life.
Aged Care
Placing a loved one into Aged Care is a difficult decision. There is an overwhelming amount of paperwork to be completed, and this is after spending time visiting local homes and selecting the right one.
Should we sell the family home or keep it? Should we invest any surplus funds to try to make the money last? How much out of pocket costs should we expect?
On entry your Aged Care Fee will be set and this is different for everyone based on your Income and Asset test status and all of the above common concerns will have an impact on this final and very important outcome.
We work with families to calculate what the overall fee and out of pocket costs will look like, we model scenarios involving ACAT assessed investment strategies that may reduce the overall fees and increase the Centrelink entitlements. We develop a cashflow management system whereby the money will be there to pay costs, out of pocket extras and any unexpected medical events so there is no stress or on-going administration work for the family.