Snapshot

From your 30s through to your 70s and beyond, we can make a real difference - with advice and service tailored to your individual requirements.

The sooner we get started, the sooner you'll be reaping the rewards.

Just click on any of the age groups above to see what we can do for you.

Business owners

Business owners are a special case. You have a unique set of responsibilities and liabilities. You also have a unique set of opportunities. Our advisers have the experience and the expertise to help you manage risk and maximise opportunities, in several ways:

By working closely with your accountant to formulate and deploy the most efficient structures and processes to generate personal wealth from your business.
By helping you manage your business assets to maximise their benefit to you personally.
By formulating business protection strategies and helping you implement them. Business are exposed on threats on many fronts - equity, debt, cash flow and key person dependencies for example. These risks can all be successfully managed.
By helping you with employer solutions - corporate super, super administration and group life insurance.
Succession planning. Whether you plan to sell your business when you retire or build a family business your kids will take over, a well-formulated succession plan is instrumental. It's a complex area and can be fraught with pitfalls. Fortunately our advisers have what it takes to help you navigate your way to a successful result.

30s & 40s

Creating Wealth

Typical issues at this stage of life

Everyone's different, of course, but here are the things our clients often confront in their thirties and forties that have a significant impact on their finances:

Getting married and starting a family
Taking time out for holidays
Starting your own business
Paying off the mortgage
Income increasing, but so are expenses
Suffering a serious illness or injury
Divorce
Being made redundant

Our thirties and forties are hectic and stimulating, but very demanding - on our time, our emotions, our health and our finances. Responsibilities are mounting. There seems to be precious little time for ourselves and precious little money left over for anything other than the necessities. It's a time when we start to realise that we're not immortal. Health issues start to emerge just when we need to be stronger and fitter than ever, because so many people are counting on us now.

It's also a time when we start to feel restricted by all these pressures and responsibilities.

At this stage of life, managing your finances is more critical than ever, but where do you find the time? You can see the need to get ahead and start creating wealth through super and investing but where do you find the money? This is where we can help.

What can we do to help?

We can help you reduce your expenses

Tax reduction
Budgeting
Debt and cashflow management

We can help you increase your income and assets

Wealth creation strategies
Investment strategies
Superannuation strategies
Salary packaging and remuneration

We can help you protect your lifestyle

Ensuring you have the right kind of life insurance
Ensuring you have enough cover
Reviewing your lifestyle protection to match your changing needs

In addition, we can save you time by doing the head-work and the leg-work. By reviewing your financial plan regularly we can ensure that if your situation changes your plan changes with it.

See how we helped Karen and Michael click here.

For more information or to make an appointment click here.

40s & 50s

Approaching retirement

Typical issues at this stage of life

Everyone's different, of course, but here are some of the things our clients often confront in their forties and fifties that have a significant impact on their finances:

Income increasing, but so are expenses
Being made redundant
Suffering a serious illness or injury
Paying university or TAFE fees for the kids
Paying for weddings
Financial assistance for aging relatives
Relationship problems, separation, divorce
Finally paying off the mortgage
Becoming self-employed
Receiving an inheritance
Kids leaving home
Adult kids not leaving home
Starting or selling a business
Making a sea change

At some time during our forties or early fifties we start to see the world differently. It might be because we're past the halfway mark. Whatever the reason, at some point retirement appears on the horizon. It's still a long way off perhaps, but it's no longer an idea, it's real. And we also see that we have a limited time to get ourselves into a position where we can retire comfortably. Meanwhile life goes on at a pace that seems to just keep accelerating.

What can we do to help?

We can help you reduce your expenses

Tax reduction
Budgeting
Debt and cashflow management

We can help you increase your income and assets

Wealth creation strategies - e.g. accelerating growth by borrowing to invest
Investment strategies
Salary packaging and remuneration

We can help you maximise your super and get ready to retire in the best shape possible

Super is more attractive than ever. We can help you make the most of it - by helping you select the right super fund and investment options, salary sacrificing into super, maybe even setting up your own self-managed super fund.

In addtion, we can save you time by doing the head-work and the leg-work. Your 40s and 50s are an extremely busy time of life. We don't just advise you what to do, we also do a lot of the leg-work for you. We can also help you streamline your finances so it's all a lot less work for you, and a lot less time-consuming.

See how we helped John click here.

For more information or to make an appointment click here.

50s & 60s

Retirement time

Typical issues at this stage of life

Everyone's different, of course, but here are some of the things our clients often confront in their fifites and sixties that have a significant impact on their finances:

Winding back, working part-time
Being made redundant
Health concerns
Suffering a serious illness or injury
Paying for weddings
Helping the kids get established
Aging parents needing your time
Finally paying off the mortgage
Downsizing
Selling a business
Caring for young grandchildren
Making a sea change

This is a period of great change for most people. Some of us plan to keep working until we're in our 70s. Others want to start winding back as soon as possible. For many, the family home suddenly seems a bit empty once the children have left home and a whole range of lifestyle options emerge. At this stage of life, a lot of people may think it's too late to boost their retirement nest egg, but in most cases they'd be wrong. With expert advice and assistance, there's so much that can be done to help you get the most out of life.

What can we do to help?

We can help you reduce tax

Tax is probably your single biggest expense, so there's enormous potential to save you serious dollars. Dollars that could be used to create wealth instead of deplete it. Here are a few of the main ones you may be able to consider:

Income splitting
Pre-paying interest
Disposing of capital losses against capital gains
Establishing a family trust
Using tax-friendly investments
Contributing existing investments into super

We can help you maximise super and get ready to retire in the best shape possible

Super is more attractive than ever and now Reasonable Benefits Limits have been abolished there is a lot more most people can do to take advantage of super. Here are two examples:

If you are planning on downsizing your home once you retire, you may be a lot better off doing so before you retire and enjoying the tax benefits of contributing the sale proceeds into super.
If you have non-super investments that could be transferred into super this could save you thousands of dollars in tax.

It's a complex field, however the biggest risk is that without expert advice you may miss out on extremely valuable opportunities.

We can advise you on all the options

The transition to retirement rules create a number of options other than simply retiring:

You may be able to wind down by working part-time without compromising your lifestyle
You may be able to keep working full time but start accessing your super
You may be able to take maximum advantage of the salary sacrifice to super option without sacrificing your lifestyle

Your adviser knows all the options and can advise you on which is best for you, and then help you put your plan into action.

In addition, we can save you time by doing the head-work and the leg-work. Making the shift to retirement or semi-retirement is a big decision and can be very stressful. There's a lot at stake and no time left to fix things if you get it wrong. Never has there been a more important time to get professional expert advice and assistance.

See how we helped Joe and Marie click here.

For more information or to make an appointment click here.

70s & beyond

Making the most of retirement

Typical issues at this stage of life

Everyone's different, of course, but here are the some of the things our clients often confront in their retirement years that have a significant impact on their finances:

Health and longevity concerns
Doing something for the community
Travelling the world
Suffering a serious illness or injury
Helping the kids get established
Kids' relationship problems, separation, divorce
Downsizing
Caring for grandchildren
Planning for care in later life

You finally have the time to do all those things you couldn't before and hopefully the health and the money you need to enjoy them. Isn't it too late now to get financial advice? On the contrary. The right financial expertise can make an enormous difference to your life - right throughout your retirement.

What can we do to help?

There are four key things we can do to help you get the most out of life in retirement:

Maximising Government support
Making sure your money lasts as long as you do
Helping you choose the right accommodation and aged care options
Helping you with your Will and estate planning

See how we helped Ted click here.

For more information or to make an appointment click here.