Financial Advice

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FINANCIAL PLANNING

Financial planning is about setting goals and working towards achieving those goals while mitigating the risks involved as much as possible. Easy right? We wish it were. We focus on our clients’ cash flow and how best to use that cash flow for them to grow their wealth, provide for retirement and protect their family. Our focus is on ensuring your cash flow suits you and your family first so that you do not miss out on the pleasures of life that you deserve.

Our investment advice will focus on your cash flow requirements and ensure that your money is placed in investments that are suitable for you.

“Investment is an option for everyone, not just the wealthy. A correctly structured investment plan will ensure that you reach all of your future financial goals”.

WEALTH CREATION

Sound strategic planning and financial advice enables a smooth transition throughout the various phases of your life, whether it is buying a house, paying the school fees or enjoying life’s pleasures in retirement.

We understand that wealth creation means different things to different people. This is why we work with you to create a strategy that is based upon your needs and objectives. Having a strategy in place can provide you with the peace of mind that comes with knowing you are on track to meet your goals.

To maximise your wealth creation potential, we review the effectiveness of your overall financial structure, focusing on:

  • Tax effectiveness
  • Investment management
  • Cash flow management
  • Asset allocation
  • Potential risks

SUPERANNUATION & RETIREMENT PLANNING

 

Everyone is striving for the ultimate lifestyle in retirement. To do this you need to ensure that your superannuation and retirement planning are structured appropriately. We can offer a wide range of services to help you achieve this.

These include advice on consolidation of:

  • Superannuation accounts
  • Investment options within superannuation
  • Retirement income streams/ Pensions/ Centrelink

LIFE & INCOME INSURANCE

 

You can’t always assume that traumatic or tragic events will only happen to other people. Whilst it is hard to prepare for the emotional toll that tragedy could take, fortunately we can take action to minimise the otherwise devastating financial impact serious illness, disability or death can have on the lives of our family.

We can assist with all personal insurance including:

  • Income protection
  • Life insurance
  • Critical illness
  • Total permanent disablement

BUSINESS SUCCESSION & PERSONAL ESTATE PLANNING

 

If you or your business partners suffer a significant health event, this could have a detrimental effect on the future of the business. Many a thriving business has fallen by the wayside due to poor or insufficient succession planning.

 

A proper business succession plan involves a combination of accounting, legal and financial planning expertise. For personal estate planning we work with you to ensure that your wishes are adhered to by working with solicitors who have estate planning expertise.