Financial Planning

Whether you want to increase your wealth, reduce your debts, or something in between, you can benefit from financial planning advice at any stage of your life.

You might be at the beginning of your career, ready to start some good financial habits; or you could be further down life’s road looking for ways to pay off your mortgage faster and set up a nest egg for your children’s future; or you might want to make sure your retirement is everything you’d hoped for.

Financial planning can be daunting – we completely understand that.

Our partner, AusWide Financial Planning, take the time to understand where you are right now and where you want to end up, help you to prioritise your goals and understand the range of options available to you, while also educating you to become more financially-savvy.

AWFP will provide:

  • Easy to understand financial advice, explained in plain English, no industry jargon here
  • A customised financial plan, created to achieve your dreams
  • Affordable and sustainable advice that can handle life’s bumps
  • Transparent fees and costs so there are no nasty surprises
  • Regular reviews to keep your financial plan in line with your goals

AusWide Financial Planning ABN 34495243897 an Authorised Representative of AWFP GROUP AFSL 506819

Superannuation

‘Out of sight, out of mind’ is the way a lot of people manage their superannuation, with very few really knowing the finer details of their fund position.

It pays to take an active role in the management and growth of your financial future to nurture your super nest egg.

Our team will undertake regular reviews of your super position to highlight opportunities to consolidate funds, spousal contribution splitting, review costly fee layers and add further contributions from your savings or pre-tax income.

While the money in your super fund profile is invested on your behalf by your super fund, there are different investment strategy options involving shares, exchange-traded funds and term deposits. Whether it’s a one-off fund review, assistance to consolidate historical super funds or a need to better understand your fund options, we can help you to become more involved in your superannuation strategy.

Is your super working for you? It’s your money and your retirement lifestyle.

Self-Managed Super Funds

Self-managed super funds (SMSF) are growing in popularity as they provide you with flexibility over your superannuation investment strategy and allow you to take more control of your retirement planning.

If you want to make sure you have more than enough money for your dream retirement lifestyle, let our SMSF specialists help you understand your retirement needs.

The key benefits of a SMSF include:

  • Investment choice; the ability to access more varied investment choices, such as direct shares, direct property, hedge funds, artwork and implement more sophisticated investment strategies
  • Property investment; SMSF can borrow money for the purposes of property investment
  • Tax control; manage your tax liability and maximise your investments with strategic planning and smart fund structuring

Retirement Strategy

Leaving employment is about starting, not stopping.

Your retirement is an opportunity to begin a new, rewarding lifestyle and planning for that lifestyle will make sure it’s everything you’ve dreamed of.

This planning involves more than just income streams and superannuation, and our retirement planners can help you to develop a tax-effective wealth creation strategy to achieve your ideal retirement lifestyle.

We can also ensure your retirement strategies are flexible enough to include a safety net, so you can plan for the unexpected.

We’ll assist you to:

  • Benchmark your current position
  • Convert your goals into a plan
  • Convert this plan into achievable steps.
  • Maximise your retirement income

 

Risk Insurance

Most of us will automatically organise insurance policies to cover our big purchases such as cars, houses and tech equipment yet we often neglect to ask what is protecting the financial security and wellbeing of our most valuable assets – our family.

If something should happen to the income earning capacity for your family, whether through injury, illness or redundancy, it is important to have risk management plans in place to look after their financial future.

Our advisors can guide you through all the personal insurance options to map out an individualised solution that suits your affordability and risk management requirements, throughout your life stages.

We can assist with the following

  • Income Protection/Continuance Insurance
  • Life Insurance
  • Trauma Insurance
  • Total and Permanent Disability Insurance

Want to learn more?