Our Services
- Lifestyle & Goal Planning
A successful financial plan starts with clear objectives. These may be shorter term (ie. planning a holiday), medium term (ie. funding your child’s education) or long term (ie. clearing debts and funding retirement). Your overall goals set the direction, so every strategic recommendation we make is aligned to meeting them. As these change over time, so should your plan. We facilitate this process end-to-end so you know where you are heading.
- Financial Modelling
One of the most important aspects of planning is measuring affordability, impact of change and likelihood of success. We use sophisticated software to create financial projections, clearly illustrating how you’re progressing towards your goals and, for example, whether you can afford to retire sooner.
- Cash Flow Management
Managing cash flow is essential to achieving objectives and maintaining wellbeing. Cash flow is the key reason people experience ‘financial stress’. In reality, spending less than you earn is challenging for many but those with clear long-term goals are more likely to do what’s necessary on a daily basis. We provide practical strategies to make it easier to live within your means while planning for the future.
- Debt Management & Loan Structures*
Managing debt is critical for long-term security. Whether it’s a home, an investment or something smaller, there are many ways to reduce interest and extinguish debts faster. We provide strategic advice on loan structures, features and repayment amounts to help save interest, increase flexibility, and maximise tax deductibility, where applicable. *We do not (and cannot) provide specific loan product advice as this is a finance broker’s domain.
- Investment Management
There are many investment philosophies and methods to approaching investment management. What’s suitable for you depends on factors such as your personal experience, the level of involvement you desire and your investment risk comfort levels. We thoroughly assess your needs before making professional recommendations regarding structuring and managing your investment portfolio. As professional risk managers, we focus on growth while protecting your wealth using key fundamentals like diversification, with a tailored outcome in your best interests.
- Superannuation
Superannuation is confusing, complex and constantly changing however, as a tax structure, it’s incredibly advantageous. It’s therefore important you understand the pros and cons as they apply to your specific situation. We make super simple to understand and provide personalised recommendations to help maximise the benefits for your retirement, covering contribution strategies, investment strategy and more.
- Pre-Retirement Planning
Leading up to retirement, many are concerned with income security beyond “work”. Whilst some struggle contemplating how they’ll spend their time, most have concerns including:
- How much will I need to live comfortably?
- Can I retire sooner or do I have to work longer?
- How long will my money last?
- How much Centrelink support am I entitled to?
- How can I invest my nest egg safely?
It’s essential to get this type of advice at least 5 years prior to retiring. This ensures adequate planning time and time to maximise the opportunities available to structure assets tax effectively.
We provide advice on how to capitalise on your situation and answer all of these questions in the process. Our financial modelling projections provide clarity, certainty, and confidence.
- Retirement Planning
When you’re ready to reduce your working hours, or stop altogether, several steps are required to help the transition ie. making changes to superannuation, insurance, Centrelink applications and debt repayments.
Retirement planning is about being free to enjoy your retirement years, and effectively using your resources to make wise financial choices along the way, so your retirement lifestyle is the one you deserve. We help with everything from planning your retirement lifestyle needs to structuring a plan to ensure your income lasts.
- Tax Planning & Minimisation
Tax is simply another expense in the process of creating financial wealth. We recommend tax minimisation strategies to make sure you’re not paying more tax than you need to. We’ll also look at tax system opportunities like superannuation to make the most of your financial plans, as well as tax linked to life insurance, debts, estate planning and wealth creation, as it applies.
- Personal Insurance
Overlooking personal insurance brings the risk that you or your family may struggle financially if the unexpected occurs. We provide advice to ensure you have the cost-effective insurance you need to protect your family. We review products and recommend those in your best interest.
- Estate Planning & Wills*
Estate planning encompasses your Will but is much more. Many assets bypass your Will (ie superannuation, joint owned assets) so the estate plan complements your Will to provide security for your family. We work with lawyers to ensure your assets are transferred in the most tax-effective and efficient way to your beneficiaries when you’re unable to make these decisions. *We do not (and cannot) provide legal advice as this is a lawyer’s domain.
- Review, Refine, Re-Model
Your circumstances will change over time, as do tax and super laws, financial products, investment markets, and more. This means your plan will need to be reviewed, refined and remodelled as the years progress. Once you’ve received advice, you may return for additional advice at any time. Where your situation warrants, we offer a comprehensive review service to refine your plan and recalculate projections at least annually.
Additional Services
Our advice services also include:
- Life Insurance Claims Management
- Superannuation Claims Management
- Salary Packaging Advice
- Redundancy Planning
- Budgeting Advice & Templates
Other Related Financial Professionals
If you are a related financial service professional and would like to know more about how we can complement your existing services to optimise your client outcomes, please make contact.
