Our Services
Superannuation
If you’re unsure about how your super is performing, if you’re in the right investment option or the right fund, whether you have the right amount of insurance, whether you should make additional contributions to super or if you want to map out a plan to get you to retirement, then speaking with us could be very beneficial if you want to know where you stand. We will help make your superannuation situation easy to understand.
Wealth Protection
A serious accident or illness can happen at any time and severely impact your lifestyle. Being prepared with an appropriate risk protection strategy can ease the impact.
Selecting appropriate insurance cover to complement your overall financial plan is important. Life, total and permanent disability, trauma and income protection insurance are all options to consider and we can help you structure them so they do not restrict your cash flow & protect your wealth.
Estate planning can help protect your assets and avoid unfavourable outcomes or disputes.
Business protection and succession planning is critical for small business owners who need to consider business continuity if you lose a key person or are forced to sell.
We want you to be confident you can maintain your current lifestyle even if impacted by illness, injury or death.
Retirement Planning
There are many different strategies available to prepare you for retirement and choosing the right ones at the right time can make a big difference in your post-retirement lifestyle. We can discuss your desired income in retirement and advise you about the different strategies available at certain age milestones and as you decide to retire, including transition to retirement, income calculations and projections, and government age pension entitlements in order to maximise the income available to you. We are happy to liaise with Centrelink on your behalf and help you get the most out of the capital that you do have to retire on.
Investment
Deciding how to invest your hard-earned money can be a daunting process; there are many different options when it comes to investing. We can assist you to make informed and confident investment choices, in areas such as shares, managed funds, mortgage funds and direct property strategies, and we can manage your portfolio to relieve some of the stress and help you achieve your financial goals. We take a long-term approach to investing and focus on the end goal rather than getting too caught up in short term gains or setbacks
Estate Planning
Estate Planning is a highly complex and specialised area — and an area many people do not give much thought. Yet it can be the area that creates the most issues upon a person’s death, making it difficult for those left behind to administer and distribute the estate.
With our deep knowledge of our clients’ financial affairs, we are well placed to help clients to establish and/or update their estate planning requirements.
We work closely with the estate planning lawyers who are drafting the wills, powers of attorney and other Legal matters, to ensure each client’s objectives for their estate are documented and that protects your loved ones, long after you’re gone.
We can also help the estate’s executors with their administering duties, as and when they need assistance.
Tax Planning
While we are not tax agents, we can provide advice relating to tax-effective strategies such as transition to retirement or salary sacrificing options. We also have professional relationships with tax accountants we can refer you to, or we are happy to work alongside your existing tax accountant to ensure you are in the best position possible at tax time.
Aged Care
Aged care is an emotional area of advice. We would all like to live long, healthy lives and pass away peacefully in our home but often life takes a different direction and moving into an aged care facility becomes the only practical option. Being aware of all the options and knowing whether or not you can afford it is overwhelming, so we are here to help.
Your options:
Remaining in the family home under a Home Care package which provides assistance from support services.
Moving into a retirement village with other over-55’s and maintaining independence in a safe environment.
Transitioning to an aged care facility with expert care on hand at all times. Aged care facilities differ depending on the type of care you need, and the additional facilities you would like in your new living environment.
Your considerations:
How to pay for the accommodation.
Whether you need to sell the family home.
If the home falls under a ‘protected person’ agreement.
Whether any benefits or entitlements affect the amount you will be paying.
Affording aged care comes down to an income and asset test, the rules of which change frequently. We can help you understand the costs, options for payment, and adapting as your circumstances and legislation changes.
Have this conversation with us as early as possible and involve your family. This brings you peace of mind that your future will be one you can look forward to enjoying, knowing you will be cared for.
Estate Advisory Services
Estate advisory services are designed to advise & help clients in times of need, when a loved one has passed away. Not only do we offer you emotional support during this sad time of grief and trauma, but we help give guidance through the immediate planning and arrangements that you will need to make from funeral arrangements, protecting assets, accessing banking, updating Centrelink, informing organisations and more. We advise you if you need to apply for probate or not, and assist in the process of granting probate, if required. We will help you make informed and balanced decisions and assist you to make these formalities as stress free as possible, allowing you to spend time where you’re most needed, in the comfort of family and friends.
