Our Services

You can’t control investment markets or asset class returns, so it’s important to control the few aspects you can, like how much you pay your adviser and how much you pay in administration and investment fees.

Regardless of your financial goals, assets, and wealth, we have a fee structure that will fit in with your needs and budget.

We don’t take commissions from any investments we recommend.

Our advice is broken down into two main areas: 

  • A holistic approach to financial planning 
  • Specific a la carte advice where you choose what you need from the services below
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Services

Cash Flow Management

  • Anaylsing your current cash flow and comparing your income with your expenditure
  • Analysing how any impacts on changes in you cash flow (past or future) have on achieving your goals and objectives
  • Determining your expected expenditure in retirement and how you expect to fund your retirement income needs
  • Examining strategies to help you increase your capacity to save
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Debt Management

  • Helping reduce your financial burden by monitoring how you are managing debt (mortgages, credit cards) and determining if there are opportunities to pay down debt faster
  • Examining if your debts are being serviced appropriately
  • Determining if you have any expected future liabilities and what impact these will have on the achievements of your needs and objectives or cash flow position
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Insurance

  • Assessing your individual needs, objectives and financial situation through an Insurance Needs Analysis to determine whether your current insurance cover and types are appropriate
  • Determining which assets you have available to sell and what you are willing to sacrifice in the case of an unexpected event
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Investment (including Super & Pension)

  • Determining whether your superannuation and/or pension is sitting in an appropriate and cost-effective product
  • Developing an investment strategy to assist you in achieving your needs and objectives
  • Recommending appropriate investments with a focus on long-term growth
  • Ensuring you diversify your investments between and within asset classes
  • Regularly reviewing and periodically rebalancing your portfolio to deliver to your original targets
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Social Security/Aged Care Planning

  • Providing a social security analysis that illustrates your expected income streams under different claiming scenarios
  • Determining the optimal claiming strategy and how to maximise your social security entitlements
  • Being aware of any legislative changes that may impact your social security or aged care entitlements
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Estate Planning

  • Ensuring your estate plan reflects your estate conservation and distribution objects that are incidental to our financial planning advice
  • Identifying personal and financial issues which affect your beneficiaries and how they may impact on the conservation and distribution of your wealth
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Self-Managed Super Fund (SMSF)

  • For individuals seeking to own direct investments within superannuation or gain greater control of their superannuation portfolio, Self Managed Superannuation Funds (SMSFs) may be an attractive alternative to regular superannuation funds.
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