financial planning

We are able to assist you in managing your finances by providing budgeting and savings tips, reducing costs, and assisting in managing your cash flow effectively. Additionally we can also develop tax effective planning strategies including borrowing to invest (commonly known as gearing).

We can assist you with all your superannuation needs including determining an appropriate strategy to meet your needs and analysing benefits of strategies including Super Choice, Salary Sacrifice, Rollovers, Retirement Income (account based pensions) and transition to retirement.

We are able to assist you in ensuring that you structure your financial position in a way that prepares you to transition from work to retirement. This includes utilising the benefits of superannuation and looking at ways to reduce tax and maximise any government entitlements including Centrelink and Department of Veteran Affairs.

We assist you in accessing benefits such as Age Pension, Carers and Disability Pension, Seniors Health Card and Family Tax Benefit.

Accessing Aged Care can be a very frightening and complicated process. We want to make this as easy as possible for you. We can assist in calculating fees including the accommodation bond, daily care fees as well as considering your Centrelink entitlements and implementing strategies in order to minimise fees and maximise your entitlements.

We utilise our knowledge and experience as well as draw on the comprehensive and specialist research provided by Lonsec Limited to construct investment portfolios to meet your needs. This includes providing advice on a wide range of shares listed on the Australian Stock Exchange including the ASX 200 and listed income securities as well as a wide range of managed funds. We assist in organising the placement of these investments and can provide ongoing administration and reviews.

Lonsec Limited is highly regarded for its research capabilities and has recently been named Number 1 for four consecutive years by Money Magazine in a 'Rate the Raters' research house survey. If you would like further information about Lonsec Limited please feel free to visit their website at www.lonsec.com.au .

Facilities are available for the purchasing and sale of shares on the Australian Stock Exchange through Lonsec Limited.

Estate Planning is an essential part of the Financial Planning Process. We are able to assist you in ensuring that you have made appropriate arrangements, including having an up to date Will and Power of Attorney, so that your wishes are met. We will liaise with other professionals such as your solicitor to ensure that this is done correctly to suit your requirements.

We currently have an ongoing referral relationship with a specialist Sydney firm, MBS Insurance, who are able to assist you in ensuring that appropriate cover is in place including life, trauma, income protection and business insurances. Additionally they are also able to assist in Buy/Sell arrangements for businesses and making any claims on your behalf.