Your Wealth

Whether you are an individual or a family, we can help you grow, manage and protect your wealth. We help you understand your options as well as the risk/reward paradigm given your current stage in life. We tailor solutions to every client’s unique circumstances.
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Wealth Accumulation

Our experienced advisers can help identify the options available to you as well as the opportunities and risks associated with each alternative investment strategy. Formulating a tailored plan to your unique circumstances is the key to providing advice that will endure over time.

Issues to Consider

  • Property Investment
  • Sharemarket Investment
  • Cash, Fixed Interest and Bond Investment
  • Superannuation Options
  • Self-Managed Superannuation Funds
  • Positive and Negative Gearing
  • Taxation
  • Cashflow Management
  • Personal Insurances
  • Asset Protection

Retirement Planning

Given the overload of information in the public domain on this topic, our experienced advisers can help you sort the wheat from the chaff and develop a tailored solution to your particular needs, having canvassed the opportunities and risks associated with each possible alternative strategy.

Issues to Consider

  • Superannuation Options
  • Self-Managed Superannuation Funds
  • Cashflow Management
  • Taxation
  • Property Investment
  • Sharemarket Investment
  • Cash, Fixed Interest and Bond Investment
  • Aged Care
  • Centrelink
  • Longevity, Market and Inflation Risk

Estate Planning

Leaving what you have to those you most love is an important exercise. Developing an effective strategy encompassing modern family dynamics, taxation and superannuation is a critical part of your overall financial plan, particularly as Australia’s wealth continues to grow.

Issues to Consider

  • Power of Attorney
  • Enduring Guardianship
  • Executors
  • Testamentary Trusts
  • Superannuation Death Benefit Nominations
  • Inheritances
  • Dispute Management
  • Advanced Health Care Directive
  • Taxation
  • Family Dynamics

Property Investment

Australians have a love affair with property investment when compared to other nations. Whether it is your principal residence or an investment property doing your homework properly is always time well spent.

Issues to Consider

  • Residential, Commercial, Industrial
  • Yield and Capital growth
  • Income Tax, Capital Gains Tax and Land Tax
  • Lease Terms and Conditions
  • Market Cycles
  • Business Premises
  • Buy and Hold Strategy
  • Renovations or Improvements
  • Depreciation and Capital Allowances
  • Ownership Structure, Personal, Trust, SMSF

Self-Managed Superannuation Funds

Self-Managed Superannuation Funds

With over 600,000 Self-Managed Superannuation Funds (SMSF’s) in Australia holding approximately one third of all superannuation funds within the country, SMSF’s are the preferred investment structure for those people who want tax effectiveness and control over their retirement nest egg.

Issues to Consider

  • Investment Property Options
  • Limited Recourse Borrowing Arrangements (LRBA’s)
  • Business Premises
  • Direct Share Portfolio’s
  • Maximising Non-concessional Contributions
  • Account Based Pensions
  • Zero Tax in Retirement
  • Lump Sum versus Income Stream Withdrawals
  • Access Restrictions

Aged Care

Australians are living longer. Aged care services are in great demand and the options available are confusing and often costly. Planning well in advance will optimise your financial position and help to minimise stress as the years roll on.

Issues to Consider

  • In Home Care
  • Principal Residence Issues
  • Cashflow Considerations
  • Residential Bonds
  • Centrelink Issues
  • Estate Planning Issues
  • Refundable Accommodation Payment
  • Daily Accommodation Payment

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