Our solutions
- Interested in learning how you can increase your savings through super?
- Do you have some surplus cash flow, inheritance, or windfall languishing in a low-interest account?
- Can you afford to retire and still enjoy life?
- Ready to make the switch from Super to Retirement and not sure how to transition?
- Need help keeping up with changing rules, regulations, and investment legislation?
- Are you comfortable that your investments will be inherited by your preferred beneficiaries?
“Lauren in her mid-40s has some savings that just weren’t providing the interest she had hoped for and had a larger than necessary tax liability on her dividends. She had a little stashed away, a nice problem to have. We helped her set up a tax-efficient investment and regular savings plan to help her achieve her goal of maximising her savings, early retirement, paying off debt and minimising her tax burden. She can now be ‘hands-off’ with her portfolio and enjoy life”
Accumulating wealth
Prior to retirement, there’s the accumulation phase and funds for this come from a variety of sources from salary sacrifice and regular savings contributions to inheritances, windfalls, gifts and asset sales.
No matter your circumstances, we can advise on wealth accumulation so that you can afford the things you love.
Let us work with you on an investment portfolio for superannuation, managed funds, direct shares and regular savings plans depending on your needs and propensity for risk.
We can structure a portfolio that best suits your budget and lifestyle.
Ask us about appropriate investment funds, income streams, dividend maximisation, dollar cost averaging and more.
Retirement Planning
Super is one of the most effective, tax-beneficial strategies for wealth accumulation. We can help with assessing your employer super, consolidating funds, minimising tax, establishing a self-managed fund, and even setting up life and income protection through your super. We can show you how to boost your super to maximize your savings. The advantages of superannuation as a savings plan include:
- Paying less income tax
- Paying less on investment returns
- Taking advantage of cheaper insurance cover
- Ensuring your beneficiaries are covered
- Bankruptcy protection
- Government contributions
- Tax free income when you reach retirement age
“Gavin and Louise are in the transition to retirement and want to access tax-free income from age 60. We helped with a transition to retirement plan to ensure adequate income streams. During our discussions, we identified what they wanted and prepared projections, gave them a clear idea of what income they can expect, what Centrelink Benefits they can access, reduced their tax liability as well as making legacy arrangements.”
Your Legacy
It’s a terrible thought but what happens to your assets (and your debts) when you pass away? Estate Planning considers the validity of your Will, ensures Powers of Attorney to those you nominate, takes care of your beneficiaries, enables the quick disbursement of property and financial assets, minimises legal expenses, and enables making financial and health decisions should you be incapacitated.
If you’re a business owner, Estate Planning also ensures continuity should you no longer be around to manage things and simplifies the process of turning the business over to your nominated, qualified successors.
Most of all, Estate Planning allows you to live with increased peace of mind, knowing you’ve prepared for the future and taken care of those you love.
Risk Reduction
Risk Planning covers the range of insurance necessary to protect your life, your family, and your business and is an integral part of our lifestyle planning approach to ensure peace of mind. We understand that life, income protection and other insurances are key components of lifestyle wealth planning advice. Our clients tell us that they’re sometimes confused by cover, costs, tax efficiencies and what’s right for their needs. We help untangle the minefield of cover and premiums to bring a tailored solution to suit your circumstances. Some insurances can even be deducted directly from your super account without any out-of-pocket expenses from you. Ask us how.
We can also regularly review your cover to keep up with the myriad of legislative changes that occur to ensure it’s still a good fit for your lifestyle.
