Strategies for a positive financial future

It can be said that a simple path to wealth creation is:

• Spend less than all of your income sources
• Put the excess money to work for you in the best way possible

It’s no surprise then, that the most common goals for our clients are in the areas of:

• Debt and cashflow advice
• Tax-effective investing

The first goal can be addressed through the right tools, borrowing rate & structure. The second is somwehat more complex - as everyone’s timeframe and tax environment is unique.

Tax effective investing essentially focuses on allocating funds in the right tax environment to achieve maximum long-term after-tax returns.

How we can help

• We can sort out a unique structure for you so you can own your home sooner
• We can access numerous major lenders to secure the best home loan rate & structure combination to save you thousands and years off your home loan
• We can identify where your spending is above/below your peers
• We tie it all together – identifying savings and any additional tax-effective investment opportunities for true long-term wealth creation

Help to plan ahead

Your retirement could be whatever you want it to be. But longer lifespans and earlier retirements bring the need to plan carefully, well in advance.

Your health and ongoing independence will be fundamental to a long and happy retirement, and your strong financial position, key to an enjoyable lifestyle.

How we can help

The earlier you begin to plan for your comfortable retirement, the better off you may be. We’re here to help you:

• Understand your financial situation now and in retirement.
• Determine when you’ll have access to your super and how you may be able to maximise any Government initiatives you may be entitled to receive.
• Calculate the amount you’ll need by a particular date and plan for accumulating enough savings before you retire.
• Assess whether the right structure is a pooled fund, Master Trust or an SMSF.
• Assess whether direct shares and bonds or managed funds are appropriate for you.

What if things change?

Even though you can’t see what tomorrow holds for you and your family, you can do something to protect them today.

A sudden or unexpected event or illness could potentially change your life in many ways. And the last thing any family needs is financial stress during a difficult time.

Protecting your family from the financial adversity an unforeseen event can cause could make a world of difference to them.

How we can help

Being ready could make the difference. We can help give you and your family peace of mind that in the event of your illness, injury or death, their lifestyle can be maintained.

We can help you determine the appropriate insurance cover – income protection, death and total and permanent disability (TPD), which may provide a lump sum or ongoing regular payments to your family if the need ever arises.

Can you make more of your money?

Everyone’s idea of how much money they’ll need in retirement is different.

We can work with you to create a plan for managing the money you do have, so you can stop worrying about where the money will come from and how long it will last, and start enjoying your retirement.

How we can help

We can structure your retirement funds in a tax-effective environment, so that your money lasts as long as you need it. We can help you:

• Achieve a balance between day-to-day spending and your long-term needs.
• Understand how the value of your home can fit into your retirement plans if appropriate.
• Make a smooth transition from earning an income from employment, to earning an income from your superannuation or savings.

The added value of having the right structure

Choosing the right home loan is more than just a low rate. The right structure can save you thousands in interest over the life of your loan. Not only do we get you a low rate, we show you how to own your home outright sooner.

Want to turn non-deductible debt into tax-deductible debt? Ask us how.

How we can help

It’s important to make the right choices when looking for a home loan. We can help you:

• Refinance your existing home loan to a better rate and structure
• Buy your first property
• Buy an investment property

Help to choose well

You’re not alone if you feel overwhelmed by the investments on offer. It can be challenging to know which choice is right for you, and what risks you may face.

We’re here to share our knowledge and experience. We can create a plan to help you achieve financial success.

Our practice can advise on comprehensive investment strategies including:

• Direct shares, ETFs, Listed Investment Companies and Managed Funds
• Investment Gearing
• Debt Recycling

How we can help

If you’re unsure which steps are the right ones for you to take, or how to get the best structure to minimise tax, we can help you:

• Identify which tax-effective investment strategies may be most relevant to you
• Educate you on the risk and return characteristics of different asset classes
• Facilitate long-term goals such as saving for your retirement or a child’s education