WEALTH CREATION
We can advise which strategies, from simple savings plans through to complex gearing structures, will be the most appropriate for your circumstances to create more wealth over your lifetime.

TAX MINIMISATION
Using our combined accounting and financial planning expertise we can advise which structures and strategies are right for you and legally minimise tax.

GEARING STRATEGIES
We can discuss and explain the potential risks and the potential rewards associated with the numerous gearing strategies available today; then advise which, if any, are appropriate for you.

SUPERANNUATION SERVICES
We can help you understand, control and maximise your superannuation savings; then recommend how you can best use it to achieve your financial goals. Our superannuation services include:

• assessment of existing funds; and
• consolidation of funds; and
• establishment of new funds; and
• establishment of Self Managed Superannuation Funds.

INVESTOR RISK PROFILE ASSESSMENT
We identify how aggressively or conservatively your wealth should be invested to ensure you do not carry more investment risk than you are comfortable with.

CAPITAL GAINS TAX MANAGEMENT
Using our combined accounting and financial planning expertise we can advise which structures and strategies are right for you.

RETIREMENT INCOME STREAMS
We can advise you on how you can best structure your finances to generate income throughout your retirement that can be flexible, tax-effective and Centrelink-effective.

STRUCTURES TO MAXIMISE CENTRELINK ENTITLEMENTS
We can discuss and explain the means testing undertaken by Centrelink, then assist you to legally structure your finances to improve your entitlement to payments.

PERSONAL INSURANCE SERVICES
We will explain what the various types of personal insurances cover, including income protection, life insurance, disability insurance, trauma insurance and business expense insurance. We will then assess your personal insurance needs in line with your financial goals, then recommend and implement an insurance plan to cover your risks within your budgetary constraints, structured to take advantage of available tax concessions.

ESTATE PLANNING
Estate planning is a process designed to help protect the wealth you have built over your lifetime so that it is distributed smoothly and according to your wishes. We will discuss this process with you and we will be mindful of estate planning issues when we make recommendations regarding the structure of your financial affairs. We will refer you to external legal professionals for the areas that we are unable to assist you in.

 

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