We provide holistic financial planning advice including wealth management, superannuation and retirement planning, balance sheet structuring, cashflow management, portfolio construction, personal risk management, aged care advice, entity management and estate planning.
Superannuation & Pension Advice
The superannuation system plays an important role in most individuals’ wealth creation and preservation journeys. Understanding the tax benefits of super and maximising those while balancing accessibility of funds in younger years, or careful drawdown in retirement years, will often form a key part of strategic planning.
Cashflow Management & Budgeting
An often underestimated part of both the wealth creation and wealth preservation stages of life is the development of sustainable and regular spending habits. We assist our clients with evaluating their spending levels in the context of their financial circumstances, and help them set and meet agreed levels of spending. This often represents one of the most important components of a steady wealth creation path, or of a long term sustainable income drawdown path in retirement. It also means that you do not need to earn high levels of income in order to be successful in wealth creation, as savings capacity is simply the difference between income and outgoings. Careful planning and the disciplined forming of good habits is a key contributor to your wealth creation.
investment management
We have detailed discussions with our clients around their short, medium and long term objectives in order to ensure that a sound investment approach is chosen that balances risks and outcomes. We take the ‘daunting’ out of the wide landscape of available investment possibilities and always encourage taking a steady, long term investment approach by ignoring the ever increasing short term noise in markets.
personal protection
Personal protection is a topic that requires you to consider adverse health events and the implications they can have on yourself and your family. We will assist you with thinking through the various possible scenarios, identify where you may have a shortfall that requires protection and provide you with options to consider to protect this gap. Personal insurances always have an opportunity cost in form of premiums, and we are very conscious of those costs in our recommendations. Our 100% commission-free advice provides you with the peace of mind that we will find the right balance between cost and benefit for your individual circumstances.
balance sheet structuring
We assist with painting a holistic picture of your balance sheet in terms of assets and liabilities. Not all debt is bad debt, some may be tax effective and a useful element in your overall strategy. Bad debt however, or tax ineffective debt, is often best reduced as quickly as possible, and we will assist with strategies in order to do so.
Estate planning
It may be uncomfortable to think through a worst case scenario caused by an accident or illness, but the impact such an event can have on your loved ones cannot be understated. It is hence important to think through such events in order to put adequate structures and control of assets in place, and ensure that the right assets go to the right beneficiaries. Once in place, sound estate planning arrangements can provide you with peace of mind for all eventualities.
Aged care advice
We assist clients in navigating the complexities of aged care options and funding, including assessing eligibility for government support, planning for aged care costs, and maximizing entitlements such as the Age Pension. Our services include structuring finances to afford quality care while protecting assets, advising on the most tax-effective strategies, and ensuring that estate planning aligns with aged care needs. By offering tailored advice, we enable clients to make informed decisions, ensuring their financial security and peace of mind in often emotionally demanding situations.
Entity Management
Depending on your financial circumstances it may make sense to think about structures such as family trusts, companies, self-managed superfunds or partnerships, in order to benefit from asset protection levels or tax environments that are different to having investments in your personal names. This may or may not make sense for you, and we will have detailed discussions around the advantages and disadvantages of considering such structures where appropriate.
Warning: The information contained herein is of a general nature only and does not constitute advice. You should not act on any information without considering your personal needs, circumstances and objectives. We recommend you obtain professional financial advice specific to your circumstances.