Services

Superannuation

Many people think of superannuation as a specific investment. In actual fact it is very effective tax structure for saving for retirement. It certainly does have many rules that affect it and that is why it is critical that people like us are here to help you. The rule changes sometimes seem never ending but in many cases we can show how some of these can be very beneficial to your ability to save more for your retirement.

We create clarity where there is uncertainty and opportunities where others may see roadblocks.

Insurance

Let’s face it; no one ever wants to have a claim on insurance policies because we don’t want bad things to happen. Unfortunately for many people unexpected events do happen in life and it is so much better to be prepared. Having the appropriate insurance doesn’t stop the bad things happening but it certainly makes them much more manageable. The old saying of “better to have it and not need it than need it and not have it” is certainly true of insurance. We are experts in this area and can ensure that you don’t have too much or too little protection.

Investments

Prior to retirement there are so many worthy goals that you will need to save for. In the first instance, we will help you uncover and prioritise those goals, some of which will take money and planning to achieve. Next, we’ll talk about your investment options. There’s a lot to think about such as risk, likely returns, diversification and tax. And there’s no shortage of choice – shares, property, managed funds and term deposits to name a few. We’ll help you sort through your investment options to make sure your strategy is aligned to the important goals you are working towards and that you understand, and are comfortable with, the investments in your portfolio.

Retirement Planning

While most of us are very much looking forward to the day when we no longer have to work for a living, the prospect of retirement can also be a little daunting. There are many common questions such as: Will I be able to enjoy a comfortable lifestyle? Will I run out of money too soon? Will I qualify for an Age Pension? Do I need to change the way I manage my investments? What if I need to be cared for when I’m older?

We can help you navigate through the uncertainty and work with you to implement a plan so you can look forward to your retirement with confidence.