Our Services

Wealth Creation

Wealth creation starts with simple steps to address your timeframe, risk profile, and ability to save or invest. Once we understand your needs and objectives, we can address the best form of wealth creation for you. Many people find that they need to look at strategies to increase the amount invested to achieve these goals and this can be done by various borrowing strategies which often bring tax efficiencies to bear as well.

Gearing

Gearing involves borrowing money to invest into assets, such as shares, managed funds, or property. This can provide you with opportunities to build your wealth.

Gearing involves a higher level of risk. Not only does it place your investments at risk but you may end up paying debt interest on assets that have fallen in value due to adverse market movements.

Gearing may be tax effective, but it is only profitable if the investment returns or capital growth exceed the after-tax cost of borrowing.

By taking out a loan, you will be required to pay interest until the loan is paid back. Depending on the type of loan, some security will generally be required.

Using a gearing strategy means you will acquire debt. You will need to consider the advantages and disadvantages before embarking on this kind of strategy as both returns and losses can be significant when compared to investing without gearing.

We may recommend a gearing strategy as a part of your portfolio. We will consider your needs, objectives, and situation before we decide if gearing is right for you.

Superannuation

Superannuation potentially can be bigger and better than your family home when it comes to ensuring you make your dreams come true in retirement.

Superannuation is an investment structure and a prized asset because of its favourable tax treatment. We need to take care of it to grow it to your optimal level.

Most employees can choose which fund to have their compulsory employer Superannuation Guarantee contributions paid into. If you do not choose a fund, your employer will pay your contributions into a default superannuation fund that they have chosen. However, this fund may not meet your needs or goals.

You may also wish to make additional payments into your superannuation account, but there are limits that apply on the amount you can contribute.

We can assist you to understand your options, and can recommend which superannuation funds and strategies might be right for you, after we consider your needs and objectives.

Self Managed Superannuation Fund
Where a Self Managed Super Fund is appropriate, we can help you set it up, explain the best way to get the most out of your fund and help you select sound investments to make your do-it-yourself experience rewarding.

We pride ourselves in being SMSF specialists.

Wealth Protection

Everyone needs a backup plan in case things go wrong. This is called wealth protection.

Unfortunately plenty of things can go wrong including death, disablement, critical illness, or the inability to work due to sickness or accident.

We will help you work out what are your most appropriate types of protection and who are the best providers of protection products. We’ll help you obtain the right types and amounts of cover that you need for your situation and we will review these on an ongoing basis to ensure that they continue to meet your needs.

Retirement Planning

We are able to provide our clients with advice on suitable retirement income strategies to maximise their financial position and goals in the lead up to and during retirement.

This may include:

Providing detailed advice on Account Based Pensions, Transition To Retirement Pensions, and Annuities;
Providing advice on how superannuation and investment assets should be structured in retirement; and/or
Developing strategies, where appropriate, to optimise eligibility to Centrelink entitlements.

Estate Planning

Most people consider estate planning to be the domain of the family solicitor, but we can play an important role in achieving your desired outcomes.

In an estate planning review, we carefully consider your current situation and your plans for the distribution of your estate.

We can work closely with your solicitor if desired to prepare a robust set of estate planning documents for your peace of mind.