SERVICES

FINANCIAL GOAL SETTING

I will work with you to identify your needs, goals and objectives, what the financial requirements are for these and how to prioritise them.

CASHFLOW MANAGEMENT

Critical to achieving your goals is the understanding and management of your complete cashflow position across salaried, business and investment income along with capital inflows and expenditure.

Investments

We will identify your situation, determine the appropriate strategic asset allocation and construct a tailored investment portfolio accordingly taking into account your liquidity requirements and the tax structures available to you.

Superannuation

Is your superannuation fund the most appropriate for you? Is its fee structure competitive, investment performance satisfactory or are you better off elsewhere? Do you need an SMSF or should you wind up your SMSF? Do you have a government defined benefit fund that requires expert knowledge to provide the right advice? I can give expert guidance in all these areas.

Structuring and tax planning

Considered tax structuring and asset protection is critical for professionals and business owners who are exposed to high personal marginal tax rates, litigation and potential creditors.

Debt management

Are your current debts structured in an effective manner? I will work with you to help manage your debt whether it is for your home mortgage, business, car or other assets. We will prioritise the elimination of bad debt (non-deductible debt such as credit cards, home mortgage etc) and taking advantage of good debt (investment and business borrowings) where appropriate.

Wealth Creation

I can provide advice on ways to create wealth including options outside of the superannuation environment.

Life Insurance

I can create a tailored package of life, TPD, trauma, income protection insurance to match the needs of you, your family and your business.

RETIREMENT MODELLING

A key long-term concern of many clients is their ultimate ability to retire and maintain their standard of living. The retirement modelling service is designed to address these concerns and provide guidance on when you can afford to retire, how long your money will last and what assets will likely pass to your estate.

Estate Planning

I will advise on structuring assets to ensure they are passed to your intended beneficiaries in a tax effective way. I will work with your legal advisers, or a lawyer recommended to you by myself, to ensure you have up to date wills, powers of attorney and other estate planning documentation.

REDUNDANCY

Are you facing a redundancy or considering taking a redundancy offer? Whether voluntary or involuntary a redundancy is likely to have a major bearing on your financial future. Seeking advice on a redundancy is essential to understanding how long your money may last, what income support payments you may receive, what potential tax implications there are and what strategies are available to manage your long-term income requirements and superannuation.

CENTRELINK AND DVA

As part of any advice I will consider where appropriate and eligible maximising your entitlements to Centrelink or Department of Veterans Affairs benefits such as the Age Pension or Service Pension along with other concessional benefits.