Together we have more than 50 years of experience in financial planning to be able to support our clients through the different stages of their lives, whether it be purchasing a home, starting a family or preparing for retirement.
We meet people from all walks of life and enjoy listening to each of our clients’ unique stories and the circumstances that led them to us for advice.
Our expertise is helping clients protect their hard-earned assets and make the most of their income through strategic superannuation, property investments and long-term savings goals.
Superannuation is the main source of income for most Australians when they retire and it is important to build up enough savings to ensure we can enjoy the lifestyle we would like to live.
Unfortunately most people don’t know enough about superannuation to understand how their money is being invested and the advantages that contributions into their fund can bring to them.
We believe the first step is to educate our clients about what superannuation is and what the benefits are so they can make an informed decision about which investment strategy is right for them. The benefits include:
- Investing in a lower tax environment
- Investment strategies that align to each client’s tolerance toward risk
- Superannuation allows for growth potential through net wealth maximising strategies.
We help our clients weigh up their different superannuation options to ensure they are with the right fund, help them decide whether they should make additional personal contributions or whether they should consolidate multiple funds into one. We can also help align our clients’ superannuation strategies with that of their partners to ensure they’re both on the same page and working towards the same goals.
Retirement is the time we should be enjoying our lives and free from worrying about money.
We are here to ultimately help you build wealth, but it is important to protect your assets in case anything unexpected was to occur.
How prepared would you and your family be if, for example, the sole income earner was in a serious accident that left them permanently disabled and unable to work? Unfortunately insurance is often something you don’t think about until you need it or when it’s too late.
We talk to our clients about what risk management strategies best fit their personal, work and financial circumstances. It’s about giving you piece of mind, knowing you and your family will be protected in case of a sudden death, injury or illness and do not have to suffer financial hardship.
Every financial plan should consider property as a viable investment option. While it may not be the right fit for every client, property can be a valuable investment because:
- It provides tax benefits, such as deductions for rental expenses, negative gearing and may grant access to capital gains tax concessions when you make a profit on the sale of your investment.
- Is a secondary source of income, which is particularly beneficial in the lead up to your retirement.
- It can provide capital growth in the increased value of your home over time.
- There is potential to build a property portfolio using equity built up from your first home and any subsequent investments.
One of the biggest uncertainties surrounding property investment is knowing where and when to buy. Through our association with Capital Property Investment Advisers, we can take the guess work out of the equation and identify the investment options with the most potential.
Capital Property use specialised tools to research, source and analyse properties from all over Australia, selecting only the best properties that meet our clients’ needs and goals.
Buying a property is a big decision, but with this information we can take the stress and confusion out of the process and ensure our clients can make a more informed decision.