Services

BUDGETING & CASHFLOW PLANNING

Budgeting and cashflow planning can assist in giving you back control of your finances. The first step in getting your finances on track is to know where your money is being spent. To assess where you stand financially, we will assess your assets and debt to calculate your net worth to enable the planning to begin.

DEBT MANAGEMENT

Debt management will put in place a strategy for you to repay or manage your debts. This may involve improved management of payments or working with creditors to restructure your debt.

TAX PLANNING

Tax planning takes into consideration the timing of your income, size and timing of your purchases, and planning for other expenditures. The selection of investments you make and types of retirement plans you pursue, must complement the tax filing status and deductions to create the best possible outcome.

SUPERANNUATION & SELF MANAGED SUPER FUNDS (SMSF)

SMSF’s provide a superannuation option with the main benefits being control and transparency. You are the trustee of your own superannuation fund and therefore have control over the investments and fees associated with the portfolio.

WEALTH ACCUMULATION

Wealth management strategies can assist in understanding the appropriate diversified financial plans available to you, whilst keeping your current situation and future objectives in focus.

LIFE INSURANCE & INCOME PROTECTION

Life insurance and income protection should be treated separately. Whilst life insurance pays you a lump sum in the event that you are diagnosed with a terminal illness or pass away, income protection’s main function is to insure your income.

ASSET PROTECTION

Asset protection is both a concept and strategy for guarding your wealth. The intention is to protect your assets from creditor claims and limit access to certain valuable assets.

RETIREMENT PLANNING

Retirement planning will enable you to determine your retirement income goals, and the path and actions you must take to achieve those goals. This may include identifying your sources of income and expenditure, implementing a savings plan and managing your assets and risk.

INTERGENERATIONAL TRANSFER

Intergenerational transfer is something you may want to consider if you are thinking of selling your business, retiring from a long term career, or perhaps selling your family home and starting life in retirement.