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Our services

We offer an extensive range of financial services which enable us to create a tailored financial plan, whatever your financial situation. We will assist you with managing your short and long term financial needs, from starting out in the workforce, through to planning for retirement.

Our professional advisers can help you deal with various personal financial issues through proper planning. This includes:

  • Cash flows
  • Management
  • Retirement Planning
  • Aged care
  • Estate Planning
  • Investment Planning
  • Risk Management
  • Insurance Planning
  • Tax Planning
  • Business Succession Planning

With over 40 years of combined experience in the industry, you can be assured that when preparing appropriate solutions for your planning needs, we have covered it.

We work in our client’s best interest. So when searching for the right products, we have access to a wide range of providers to choose from. We use this variety to find the best solution for you.

We can also refer you to mortgage brokers if you are looking for a home and/or investment loan.

Wealth creation

Wealth creation is about building financial security now so you can focus on enjoying your lifestyle in the future. Choosing where and how to invest your money is a difficult decision and will depend on many factors including your overall investment objectives, approach to investment risk and the amount of time you have to invest.

We can help define your personal situation and recommend financial solutions and strategies to help you reach your financial goals.

Whether you are investing to finance your business, lifestyle, private education or provide for your retirement, it’s never too late to take control.

We use a process which involves the building of assets by means of careful investment into asset based investments, usually over a long period of time so as to achieve an income stream that will ensure a continuation of a high quality lifestyle in your retirement years.

We use a combination of your personal assets, unused funds and excess capital to help you capture a profit that may otherwise have been under utilised.

Retirement planning

Planning for retirement is one of life’s most important financial considerations. The actions you take today will determine your lifestyle in the future.

For most people retirement is a time to enjoy the things they love most. However, planning well for retirement requires you to make a number of decisions well ahead of time, for eg

  • 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?

Planning for your retirement can begin at any age. In general, the sooner you start planning, the better. Some people choose to continue to work into their retirement.
Work can be paid or voluntary and keeps you connected with the community by sharing your skills. Others choose to enhance their skills by undertaking study, sometimes for the first time. It is important to plan ahead to fund the lifestyle that you wish to have when you retire.

Experience has shown that early planning will allow you to make the most of your hard earned money. As professional advisers we can show you how to optimise your retirement income whilst carefully assessing current tax legislation and possible Social Security entitlements.

Our retirement services include:

  • Special disability trusts
  • Veterans services
  • General services and programs
  • More services and programs for retirement
  • Concession and health care cards
  • Age pension claim forms and information
  • Income and assets form
  • More claim forms to help you in retirement

Superannuation

Superannuation is one of the most tax-effective long-term retirement savings vehicles, however it can be difficult to keep up with changing rules and regulations. We can explain the rules and provide you with strategies to help you optimise your retirement savings.

Keeping all of your superannuation benefits in one place makes sense. By transferring your other superannuation fund accounts into one fund you’ll be able to grow your retirement savings more efficiently as you would be paying less administration fees.

We make it easier to keep track of your superannuation investment by combining all your superannuation accounts. Having all your superannuation in one account reduces your paperwork and makes it easier to keep track of where your superannuation is invested and how it’s performing.

Risk insurance

Risk insurance forms a critical part of the financial planning process. It provides you with protection against the financial implications of an event such as death, disablement, serious illness or injury.

There are a range of insurance options available that we can tailor to suit your needs and personal situation. The most common types of risk insurance include:

Income protection

In the event that you suffer an illness or injury and are unable to work, income protection provides you with a monthly benefit of up to 75 per cent of your salary.

Life Insurance

Life insurance helps alleviate the financial burden your family may be left with after your death. This is paid as a lump sum to your nominated beneficiaries to assist with medical costs, funeral expenses and help maintain your family’s lifestyle.

Total and permanent disability (TPD)

This provides a lump sum in the event of a total and permanent disability that prevents you from ever returning to work.

Trauma

Trauma insurance is paid as a lump sum upon diagnosis of an eligible condition (eg cancer, heart disease).

Business Expenses

Business Expenses insurance covers your business expenses (office rent, regular business mortgage repayments or business loan installments, equipment leasing costs etc) while you are recovering from a serious injury and/or sickness.

Self-managed super funds

Self-managed super funds (SMSF) gives you control of how your superannuation benefits are invested, operated and managed. SMSFs allow you to invest in a range of assets such as shares, managed funds, term deposits, property, art and collectables. You also have the option to borrow to purchase property and shares.

While SMSFs are a compelling structure for those who want full decision making capabilities, having your own fund can generate a mountain of paperwork, such as looking after the establishment, asset administration, super administration, investment strategy and end of year financials.

As well as assist you with the establishment of an SMSF, we provide you with ongoing strategy, investment, insurance and estate planning advice for your SMSF and can provide assistance to other superannuation professionals in relation to asset administration, super administration and end of year financials.

Estate planning

Estate planning is the process of anticipating and arranging for the disposal of an estate. We use estate planning to attempt to eliminate uncertainties over the administration of a probate and help increase the value of the estate by reducing taxes and other expenses. It is critical to ensure your remaining assets are dispersed correctly and your Will is carried out exactly the way you want it. This includes the organising of guardians which are designated for minor children and beneficiaries in incapacity.

Business services

Superannuation/Employer Superannuation

Superannuation, following recent government changes, has made it one of the most tax effective ways of investing to accumulate wealth for retirement and it is vital that you optimise 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.

Succession planning & keyman insurance – business

Succession planning is a process for identifying and developing internal people with the potential to fill key leadership positions in the company. Succession planning increases the availability of experienced and capable employees that are prepared to assume these roles as they become available. Taken narrowly, “replacement planning” for key roles is the heart of succession planning.

We believe that the fundamental idea behind succession-management is that the greater good of the enterprise relies on a healthy management structure. This is critical to the long jeopardy and prosperity of a business with a changing management structure.

Keyman insurance is a type of life insurance policy to protect a business in the event of the death or incapacity of key personnel (eg owners, directors).
It can be described as an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of the member of the business specified on the policy. The aim is to compensate the business for losses and facilitate business continuity.

Key person insurance does not indemnify the actual losses incurred but compensates with a fixed monetary sum as specified on the insurance policy. An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company.

This form of insurance is crucial to you as the employer because it is an offset to the costs (such as hiring temporary help or recruiting a successor) and losses (such as a decreased ability to transact business until successors are trained) which you are likely to suffer in the event of the loss of a key person.

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