For most people, superannuation is the most tax effective way to save for retirement. And, just as importantly, it can be the most tax effective way to generate an income stream in retirement. We look to review our client’s superannuation situation to help ensure their current arrangements are suitable for them.
The objective of our investment advice is to help you reliably generate the long-term net return you require in order to achieve your lifestyle goals, whilst ensuring that investment risk, investment tax and investment fees are all minimised on an ongoing basis.
Borrowing to invest (Gearing) can enhance the wealth creation process but always carries potential risk. Invest4Life can help determine if this strategy is right for our clients.
Risk Insurance Advice
Invest4Life provides advice on various personal insurance products, including Life, Total & Permanent Disability, Trauma, Income Protection and Business Expenses insurance to our clients. We research and compare products from a wide variety of insurers to choose suitable policies that will help mitigate our client’s financial risk due to unforeseen events such as sickness and injury.
- What is Personal Risk Insurance?
- The role of risk insurance in your financial plan
- The meaning of common risk insurance terms
- What is Life Insurance?
- What is Total and Permanent Disability Insurance?
- What is Trauma Insurance?
- What is Income Protection Insurance?
Estate planning is the process of arranging your affairs now to ensure that you are protected should you lose capacity and there is an efficient and tax effective distribution of your estate after your passing. Invest4Life looks to review our client’s arrangements where required to help ensure their arrangements are adequate for their situation.
- What is estate planning?
- What is a nomination of a beneficiary?
- What is an enduring power of attorney?
- What is an executor of a will?
- What is a trust?
Retirement and Aged Care Planning
Invest4Life advises clients on the preparation for retirement, including the acquirement of income stream investments from pensions or annuities where necessary. Retirement Planning may also include a review of our client’s Centrelink entitlements, as these pensions and allowances are often an important component of a client’s cash flow stream in retirement.
Invest4Life is also well trained to understand the complex nature of aged care, this includes helping our client’s understand the difference between needing to pay full price upfront for their residence or a reduced amount until they leave.
Main Article: How Invest4Life can assist you with Aged Care Planning
Business Estate Planning
Business estate planning is the process of arranging your business affairs now to ensure there is no unnecessary deterioration or loss of continuity in your business should you or one of the other stakeholders/owners or other key people leave through illness, accident or death. It should also ensure that the departing owner or their estate will be fairly compensated for giving up their rights to the business.
- What is Business Estate Planning?
- What is Business Expenses insurance?
- What is Key Person Insurance?
- What is Buy/Sell Insurance?
Retrenchment can be a difficult and stressful experience and it is not a time when you want to face the burden of financial decision making alone. Our financial advisers will help you manage your termination payments, debt restructuring and income requirements.