Financial planning

We work with you to establish your financial goals and then carefully craft the strategy to help you achieve them. We cover all areas in investment, estate planning and superannuation realms. 

Retirement strategy

Whether you're planning to retire in 12 months or 12 years, we make sure your financials are helping you achieve your retirement goals, leveraging your super or self-managed super fund. Maximising Centrelink benefits is our specialty.

Insurance planning

We ensure you, your family and your business are covered should the unexpected happen.

Wealth planning

Our Financial Plans are unique to you. We can help you develop investment strategies to build wealth prudently and tax effectively, to meet specific goals, or to provide a more financially secure retirement.

In addition, we can assist you in protecting your financial position through building a protection plan using personal insurances, as well as referring you to finance broking professionals who can help you to create financial efficiencies with your mortgage if required.

Strategies for retirement 

A personal passion of ours - we work with you to establish the kind of life you want to live in retirement and go from there. We specialise in coming up with the strategies that leverage what you already have to achieve the future you dream about. Learn more > 

Investment planning

If you have a lump sum to invest or you wish to invest regular savings or superannuation contributions, we can ad vise you on asset allocation, investment strategies and investment selection.

We can advise you on direct and managed investments in Australia, managed funds and ETF’s, to help you generate competitive returns and reduce risk... and in so doing help you achieve your financial goals.

Estate planning

We can work with your chosen solicitor or refer you to our local and national network, and advise you on how to arrange your financial affairs to achieve an efficient and tax effective distribution of your estate after your death. We can help you to properly fund your estate and show you strategies  which can save tax for your  beneficiaries and minimise the chance of your Will being challenged.

Superannuation planning

Whatever life stage you're at, we'll go over all of your superannuation arrangements to ensure they're working as hard as you are toward your retirement goals.

Self managed super funds

We can talk to you about where a Self Managed Super Fund will add value and help you to assess if this is appropriate to your financial strategy.

We also provide comprehensive services to SMSF trustees and members to help ensure your fund is compliant and effective throughout the accumulation and pension phases.

We work with your accountant and other trusted specialists to ensure you gain value from the self managed super fund structure.

Centrelink

We love to assess changes to Centrelink rules to not only determine the impact on your financial plan, but to develop strategies that help you maximise Centrelink benefits where appropriate.

Preparing for retirement

We help you arrange your finances to build a long term, tax-effective financial plan around the lifestyle you want for your retirement.

We can also assist in managing succession planning of your farm or business as well, reducing or even eliminating tax on its sale or transfer to the next generation.

Aged care

As an accredited Aged Care Specialist, we are well positioned to help guide you, or your loved ones, through this stage of life.

We can explain to you the options around aged care, such as Home Care, Retirement Villages, Granny Flats and Aged Care Facilities, and also assist you in formulating strategies to minimise fees where required.

Personal risk insurance

We help you define your vision of a secure financial future for you and your family - and then help you to calculate how much money you'll need to fund that vision - if you die or no longer earn an income due to serious illness or injury. We'll then assess if you can afford to self­ fund your vision, or whether you need to consider transferring some or all of that financial risk to an insurance company. It's all about protecting your family from unnecessary financial duress should the worse case happen to you or your loved ones.

Business insurance

We take the time to understand you and your business - your situation, your needs and your aspirations. Then we help you define your vision of a secure financial future for your business if it lost you, or a partner or other key person. And then, working side by side, we will create a risk insurance plan which will enable you and your business to be financially cared for should the unexpected happen.