For most people, superannuation is the most tax effective way to save for retirement. And, just as importantly, it is the most tax effective way to generate a retirement income. Our advisers can review your superannuation situation to help ensure your current arrangements are suitable for you.
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.
Gearing Strategies and Debt Management
Borrowing to invest can enhance the wealth creation process but always carries potential risk. Our advisers can help you determine if this strategy is right for you.
Risk Insurance Advice
Typically you would expect that you would earn an income and grow your assets until you retire and then those assets would be depleted over your retirement, possibly with some left for your estate. But what would happen if you were seriously injured or had a serious illness sometime before you retired? Or if you died? You would lose your ability to earn an income and you – or your family – would have to draw down your assets to survive. Risk Insurance can help reduce the financial risks in the event of your death, disablement, sickness and illness.
- 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.
- 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
Our financial advisers are well trained to understand the complex nature of retirement and aged care. This includes helping you understand the difference between needing to pay full price upfront for an aged care residence or a reduced amount until you leave.
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.