Nearly every Australian will have a superannuation product at some point in their life and understand it and making it work for you is very important. This is something we can help you with where it be:

– Super Consolidations

– Selecting the right Product Provider (Super Fund)

– Selecting a suitable Investment Option

– Salary Sacrificing into your super

– Government Co-contribution and Spouse Contributions

– Self-Managed Super Funds (SMSF)

Even the best financial plan or healthiest individual can be quickly undone without consideration to the risk of serious illness, disablement or death. It is important to build insurance protection into any financial plan as protecting what you already have and securing your financial future is important for everyone.

This is a very broad category as most things can be defined as some sort of investments. Usually this type of advice will go hand in hand with some superannuation or retirement planning but for this particular advice we are talking about pure investment advice. This could be anything from:

– Investing money from a house sale / inheritance

– Savings plan for your children

– Investing in Share or Exchange Traded Funds (ETF’s)

– Investing in Managed funds

– Investment in Term Deposits or High Interest Savings Accounts

For us this is the area we see the most new clients from and something we do every day. Retirement though exciting can also be a worrying time as its such as large change in your life. We have helped many clients move from work to retirement and have seen firsthand what the experience involves

Building wealth is a very broad area as the possibilities are endless. This could be paying off a mortgage, savings for a goal, working towards retirement or simply just doing what’s best with the assets you have now. Everyone is different and everyone wants to achieve different things. Wealth building takes a step back and looks at the overall picture to try and navigate a path which you can follow to achieve those goals.

Centrelink advice and assistance is something we have done for years. We came across many retirees who either weren’t getting the right amount of Centrelink or simply labelled it as ‘too difficult’. As you get older things should become easier, unfortunately this sentiment is not something that regularly occurs with Centrelink.

Being there for your loved ones when they need you is something we all do. Though what happens when you can no longer be there for them? Having an estate plan in place is one of the final gifts you can give to your family, especially when you consider the emotional and complex task in front of them. Things to consider:

– Do your assets end up in the right hands?

– How long will your family wait to receive the money?

– Is this paid in a tax effective manner?