Personal Financial Planning

Retirement Planning

If you are about to retire or already retired, we will help you arrange your finances to ensure you build a retirement income which is reliable and tax effective... and which should last for your lifetime or longer.

We'll show you how to pay little or no tax on your lump sum; and if you own a business or farm we will show you how to reduce or even eliminate tax on its sale.

In addition, we can help you arrange your finances so you maximise Centrelink benefits if that is appropriate for you.

Superannuation Planning

We will review your superannuation arrangements to check if they will ultimately satisfy your retirement goals.

Are you on track to retire with enough money to fund your desired lifestyle - for your entire retirement? Is your superannuation fund performing to expectations?

Is the asset allocation appropriate? Are you employing the right fund managers? Are you contributing enough? Are there other tax effective strategies you should be using? Are you taking full advantage of the new rules for super? Should you make contributions for your spouse?

We can also advise you on all aspects of Self Managed Superannuation if that is appropriate for you.

Investment Planning

If you have a lump sum to invest or you wish to invest regular savings or superannuation contributions, we will advise you on asset allocation, investment strategies and security selection.

We will advise you on direct and managed investments in Australia, and managed funds overseas, to help you generate competitive returns with less risk... and in so doing help you achieve your financial goals.

Redundancy Planning

We will help you invest your payout to meet your short term needs, as well as for providing for your eventual retirement. We will also develop investment strategies to help you qualify for Centrelink benefits (if this is appropriate for you) and to minimise tax on your payout and your income.

Wealth Planning

We will help you develop investment strategies to build wealth prudently and tax effectively to help you become financially independent... and to provide a more financially secure retirement.

In addition, we can assist you in creating financial efficiencies with your mortgage, as well as protecting your financial position with the help of personal insurances.

Estate Planning

We will advise you on how to arrange your financial affairs to ensure there is an efficient and tax effective distribution of your estate after your death. We will help you to properly fund your estate and show you strategies which will save tax for your beneficiaries and minimise the chance of your Will being challenged. We will also advise you on how to protect your estate from being eroded by your beneficiaries being subject to litigation, bankruptcy or divorce.