How we can help you

We help you create a financial plan designed for who you are, how you live. We help you achieve your goals now and even reach those ones you may not have seriously thought about.

Whether you are just starting on a career path, beginning to save or ready to retire, we will start the process by getting to know who you are and what you want out of life. 

We'll work to build a realistic financial plan designed to account for all of your wants and needs, and together prioritise the goals that are most important to you.

Save for a deposit

  • Budget and improve cash flow to create surplus income
  • Determine an investment strategy to achieve your deposit goal
  • Determine the risk v return you are prepared to take to achieve your goal more quickly

Buy a house

  • Ensure that you understand your ongoing financial commitments
  • Understand your debt options for funding this purchase
  • What happens if interest rates go up or your income stops?
  • What happens to this asset if you pass away?

Start a family

  • Can we restructure your debt to reduce financial stress?
  • Life insurance becomes very important to cater for your new family
  • A clear understanding of asset distribution and guardianship of children is required
 

Receive a pay increase

  • What tax bracket are you now in?
  • What's the best investment option for any surplus funds?
  • Is negative gearing an option?
  • Implement or increase your income protection

Children's education costs

  • How much of your income needs to be applied to this?
  • What investment is best, given the timeframe?
  • Should debt be part of the investment strategy?

Buy an investment property

  • How will this impact your income?
  • Is this actually the best investment option for you?
  • How should you structure your debt for best effect?
  • What risks need to be identified and mitigated?
  • What happens to this asset if you die?
 

Mortgage paid off

  • How much surplus income is now available?
  • What is the best investment option for these funds?
  • Can you reduce your insurance cover and save money?
  • Should retirement planning be a priority now?

Start a business

  • What structure is best to distribute income and lower tax?
  • Will you borrow to do this and should you provide a buffer for emergencies?
  • Do you need to put in place more life insurance?
  • What happens if you die?

Children leave home

  • Lower costs may mean more surplus income
  • How best to invest this surplus income?
  • Should you downsize the house and clear the mortgage?
  • Can you reduce life insurance and save money?
  • Can you re-evaluate your retirement age?
  • Should you revisit your will?
 

Receive an inheritance

  • What is the best investment option for these funds?
  • Should you reduce your mortgage?
  • Does this impact your retirement plans?
  • Should you discuss estate planning with elderly parents?

Reach age 50

  • A tax deductible contribution of up to $25,000 can be made into superannuation
  • Should salary sacrifice be your main investment strategy?
  • How will this affect your retirement plans?

Reach age 55

  • Superannuation laws allow for withdrawals from your superannuation
  • Should salary sacrifice be your main investment strategy?
  • Should your investment strategy become more defensive?
  • Explore a transition to retirement strategy 
 

Reach age 60

  • Superannuation laws allow tax free income distribution from superannuation
  • Should salary sacrifice be your main investment strategy?
  • Should your investment strategy become more defensive?
  • Nil tax on withdrawals for transition to retirement strategy 

Retirement

  • What are your income needs in retirement and can you access Centrelink benefits?
  • Transfer non super assets into superannuation
  • Can you play out all debt?
  • Should your investment strategy become more defensive?
  • Consider active (higher cost) and passive (lower cost) stages to your retirement
  • Revisit your wills to cater for your new circumstances

Aged care

  • Should I be selling or renting my home?
  • How should I fund my accommodation costs?
  • What am I likely to be charged?
  • Will my Government pension be affected?
  • Will my wills need updating?