Planning Ahead

financial planning is about planning ahead

You have an initial burning issue that you often want addressed immediately but there are a number of associated financial issues that people miss.

  • Having a baby.
  • Getting Married.
  • Separating or getting a divorce.
  • Planning for your retirement.

What do I need to do?

  • Investing for your children’s education

  • Wills and Powers of Attorney

  • Insurance

  • Estate Planning

These are only some of the many issues that you may need advice on.


Why is super important?

  • Superannuation has been designed to provide you with an income when you retire.

  • Saving through superannuation is more tax-effective than any other types of savings or investments.

  • Accumulating superannuation ensures that you achieve your financial goals and secure the retirement you would like to attain.

Superannuation is fast becoming the largest asset for many Australians. As a result, seeking professional advice is necessary to ensure you’re making the most of this tax-effective investment vehicle. We can assist with the appropriate superannuation structure for you and recommend strategies for growing your super balance, such as how to purchase property using your super. We keep abreast of relevant legislation to ensure you take advantage of all strategies available to you.

The magic to growing your super is to:

  • Start young

  • Start saving now

  • Retire on 70% of your income

  • Take advantage of the snowball effect – compound interest

  • Save at least 10% of your salary each year

Superannuation in Australia is taxed by the Australia taxation system and can be confusing.  We can manage the TAX liability by providing expert advice on superannuation and self-managed super funds (SMSF) and provide you with the right advice to enable you to enjoy your retirement “in the style you would like to become accustomed to

What we have to offer:

Our Advisers have the expertise to provide you with appropriate advice to suit your particular circumstances.  We take the time to assess your needs and find the solution specifically for you and your family.

retirement planning

No matter how far away it is, having a plan is the best way to ensure your retirement matches your dreams and expectations.
Retirement planning can assist you to plan and manage your financial situation for your retirement, so you can maintain a regular income, enjoy life and retire with confidence.

Important questions that need to be discussed about retirement planning are;
  • How soon would you like to retire?

  • What do you plan to do with your time when you retire?

  • How much super do you have?

  • How many years of retirement do you need to plan for?

  • Are you thinking of working part-time?

  • Will you be making any big purchases like a house, car or holiday?

Will you access the age pension or other Centrelink benefits?

A sound replacement can help you:
  • Prepare for your retirement.

  • Utilise tax-efficient strategies to transfer your wealth.

  • Plan your estate so your loved ones are taken care of.

With the right investment strategy, products such as account based pensions and annuities can make your money work for you.