Wealth Advice

We offer a full-service financial planning and wealth advisory. Our team is waiting to help you across a broad range of services including:

Strategic Planning

Our comprehensive strategic planning services encompass wealth accumulation, debt management, superannuation strategies, retirement, and estate planning. Together, we will craft a personalized Financial Road Map to improve tax effectiveness and set a clear path to achieve your desired future.

Investment Management 

Navigating the world of investments can be complex. Allow our professionals to guide you through creating a tailored personal investment portfolio. From equities to fixed income investments and listed property trusts, we ensure your investments align with your financial objectives. We also help establish disciplined savings plans and continuously monitor and adjust your portfolio to optimize your financial returns.

Risk Advice

Protecting your assets and your loved ones is paramount. We provide robust risk management solutions to safeguard you, your family, and your wealth against unforeseen circumstances. Our range of insurance solutions, coupled with guidance on business transitions and succession planning, ensures comprehensive coverage for your peace of mind.

Estate Planning

Secure your legacy with thoughtful estate planning. Effective estate planning is more than just paperwork—it’s about ensuring that your wishes are respected and clearly understood, providing your loved ones with certainty during difficult times.

Our dedicated approach minimizes taxes and maximizes the benefits to your chosen beneficiaries. We help you maintain control over the distribution of your assets, ensuring they are transferred smoothly and in a timely manner. With our guidance, you can create a legacy characterized by competence and thoughtful planning.

Our Estate Planning Services Include:

  • Goal Setting:We start by understanding your specific estate goals and objectives, ensuring your legacy aligns with your values.

  • Executor Selection:Identifying the most competent executor to manage your estate, ensuring your plans are executed as intended.

  • Tax Planning: Analyzing potential estate taxes and providing strategies to minimize their impact.

  • Document Review: Collaborating with your legal team, we review and help draft your wills and powers of attorney to ensure they accurately reflect your intentions.

  • Final Checks: Once documents are drafted, we conduct thorough reviews to guarantee every detail is correct, ensuring peace of mind that your estate is well-prepared.

  • You gain the assurance that your estate planning is handled with the utmost care and professionalism. Let us help you secure a legacy of competence and ensure your final wishes are carried out with precision and respect.

Insurance

Consider the uncertainties of life: What if you faced sudden illness, disability, or other major life changes? Nearly 40% of Australians could exhaust their savings within a month of losing their job, illustrating the critical need for protective insurance.

Insurance isn't just a safety net—it's essential for maintaining your lifestyle and protecting your loved ones from financial distress. From medical costs to ongoing liabilities, even substantial savings may not suffice without the right coverage. In the event of a primary earner's death, the remaining family members face significant financial challenges, maintaining daily life while managing debts and future plans like children's education.

We believe in the power of insurance to safeguard your wealth just as much as we focus on wealth creation. We guide our clients to understand the risks they can manage and those that could lead to financial instability.

Types of Protection Available:

  • Life Insurance: Provides financial support to your dependents after your death. It’s crucial to find a balance between cost and coverage, considering your liabilities and the necessary income to sustain your family’s standard of living.

  • Total and Permanent Disability (TPD) Insurance: Offers a lump sum payment if you become permanently incapacitated. TPD funds can be used to settle debts, cover potential tax liabilities, and provide for those dependent on your income.

  • Income Protection: Compensates for lost income during periods you can’t work due to illness or injury, typically covering up to 75% of your pre-disability earnings. This insurance is tax-deductible, and the benefits received are considered taxable income.

  • Trauma & Critical Illness Insurance: Delivers a lump sum upon diagnosis of a severe illness, such as cancer or heart disease. This can support medical treatments, debt payments, and daily expenses, alleviating financial stress during recovery.

  • Selecting the right insurance involves assessing the insurer's reliability, claim history, policy terms, and cost-effectiveness. Our deep understanding of insurance markets aids in choosing the best provider for your unique circumstances.

  • Insurance ensures that in life's most challenging moments, financial worries do not add to your burdens. Contact us today to discover how we can help secure the right protection for you and your family.

Self-Managed Super Funds (SMSF)

Are you considering managing your own super with a Self-Managed Super Fund (SMSF)? We are equipped to answer your SMSF questions and provide tailored solutions that fit your unique financial landscape.

What is an SMSF?

An SMSF is a private superannuation fund that you manage yourself, giving you direct control over your retirement savings.

Key Considerations for SMSFs:

  • Capacity: Do you have the time, knowledge, and skills required to manage your super and meet legal obligations?

  • Benefits: Are the additional benefits of an SMSF appealing and useful to you?

  • Cost-Effectiveness: Do you have sufficient super to make setting up an SMSF worthwhile?

Potential Benefits of an SMSF:

  • Investment Control: Directly manage where and how your super is invested.

  • Choice: Access a broader range of investment options.

  • Family Fund: Manage a single fund for the entire family.

  • Borrowing Capabilities: Ability to borrow for larger investments.

  • Tax Advantages: Potential for significant tax savings.

  • Estate Planning: Enhanced certainty and flexibility in estate planning.

Steps to Starting an SMSF:

  1. Trustee Structure: Choose between individual trustees or a corporate trustee.

  2. Trust Deed: Obtain a trust deed that sets out the rules for your fund.

  3. Compliance Declarations: Sign declarations that you understand your duties as a trustee.

  4. Registration: Register the fund with the ATO.

  5. Bank Account: Open a bank account for the fund to manage its operations.

  6. Member Details: Record members' Tax File Numbers.

  7. Investment Strategy: Prepare a strategy that meets your investment goals and legal requirements.

  8. Contributions and Rollovers: Accept contributions and manage rollovers effectively.

  9. Professional Advice: Engage with professionals for compliance and strategic advice—crucial for navigating complex regulations and avoiding penalties.

Our SMSF Services Include:

  • Setup and Structure: Ensuring your SMSF setup aligns with your financial goals.

  • Compliance: Assisting with the investment, insurance, and ongoing obligations to remain compliant.

  • Maximization: Strategies to make the most of your SMSF investments.

  • Retirement Planning: Integrating your SMSF into your broader retirement strategy.

  • Estate Considerations: Aligning your SMSF with your estate planning needs.

  • Fund Closure: Guidance on simplifying and closing your SMSF if needed.


    Setting up and managing an SMSF involves significant responsibility and compliance with numerous regulations. Never embark on this without professional advice. Contact us today to explore if an SMSF is the right choice for you and to ensure it is set up for success.

Your full financial situation would need to be reviewed prior to acceptance of any offer or product.