RETIREMENT STRATEGIES

Personalised advice and strategies for either a smooth transition to retirement or maximising your position to retire in style like you deserve. We look after your financial affairs so you can enjoy life and focus on the things you love to do. We help you and harmonise your position for the optimum balance of maximising Centrelink, minimising or elimination of Tax and both Asset protection and growth.

SMSF ADVICE

Helping tailor investment strategies, assisting in LRBA (Limited Recourse Borrowing Arrangements) for Property to be structured in super both Commercial and Residential. Family intergenerational wealth planning and complex requirements. Combination SMSF Private risk and Industry fund advice. From establishment to winding up.

DEFINED BENEFIT EXPERT ADVICE

One of the few Advice firms, objective of the provider, which will advise you how to get the maximum benefit possible out of these formula driven funds and integrate the benefits into your holistic financial position and plan outlining optimisation and saturation points in the formula.

WEALTH CREATION STRATEGIES

We design a plan that incorporates a diversified range of strategies which collectively can provide you with the necessary assets to build and protect real wealth. Your circumstances will determine the plan or suite of different assets (shares and property inside and outside super) that is required for you to reach your goals.

SUPERANNUATION ADVISORY SERVICE

Pre & post retirement strategies to ensure you and your family’s financial security in retirement. Intergenerational planning.

AGED CARE & ESTATE PLANNING

Ensuring you or your loved ones enter the frailty years in the most informed way with CHOICE, it is also imperative to plan for the disturbation of Estate assets to reduce them being eroded by Tax or fees for the family. Strategies to both retain the family home and protect, distribute and invest the proceeds.

INSURANCE AND RISK ANALYSIS

Research all approved and existing insurance policies for specific suitability, tax effectiveness and cost efficiency to match your personal situation and protect your and your family’s financial position.

DEBT RECYCLING AND REDUCTION

Offer alternatives and advice on ways to structure your debt, identify ‘good & bad’ debt & maximise the use of equity in your property assets to maximise tax reduction and asset growth, whi¦st protecting cashflow.

BUDGET PLANNING

Assist you to determine and quantify your living expenses budget that you are comfortable with and measure this regularly. This is then protected and surplus is driven to your investments,allowing you to reach and exceed your goals efficiently.

LOAN STRUCTURING AND DEBT ADVICE

Reduce your interest expense, establish an offset and linked card strategy to utilise deferring expenses while offsetting interest. Complex structures for property portfolios, SMSF or Business Loans.

BUSINESS INSURANCE

Ensure you have the right amount of protection so that your business will continue in the event of accident, illness or premature passing of a partner or key staff member.

CLAIM, CENTRELINK, WORKCOVER or COMPLETE FINANCIAL & INVESTMENT CHECK-UP

Common sense, down to earth, honest, confidential and professional financial planning advice in your best interests!