Investments & Property
Investments - Grow your wealth
We all know the saying - would you rather work hard for your money or your money working hard for you? But do we know how to achieve this? An investment can offer a means to supplement your funds without contributing any extra personal 'work time' toward it. Making the right investment choice is crucial to achieving this. Whether the funds is for your children's education, purchasing a property, building up your retirement savings or anything else, we can help you select the appropriate investment to help you achieve your unique financial goals.
Mortgage - Attaining the Australian Dream
By far, the most commonly preferred investment option for many investors is property. Investing in property is tangible and it is exactly for these reasons that the property market is so hot with little sign of cooling. Lending criteria from the banks are tightening, the Reserve Bank of Australia constantly review rules to manage the market and the market itself has caught the attention of the media and politicians alike, but at the end of the day, many investors still choose to remain with property. Whether you are looking to get your foot in the door or are looking for your next purchase, we can help define the right strategy and mortgage for you. The time is now.
Estate Planning - plan beyond your time
Often the key motivators for attaining financial control is for self and for family. While many focus their effort into establishing a strong financial state for now and in the next few years, very few have given thought to what happens when they are gone. Setting up a plan for your estate can not only help you avoid being subject to unnecessary tax implications or government defined guidelines to wealth distribution, it also ensures that your assets are distributed in line with your wishes, thus avoiding unnecessary confusion for your loved ones during difficult life moments.
Give yourself peace of mind that your loved ones will be taken care of in your absence and talk to us about an Estate Plan.
Wealth Protection
Insurance - protect you & your loved ones
Contrary to what we would like to think or believe, we hold little control to the world around us and the future is hard to predict. Situations and circumstances beyond our control or foresight can and will occur. The question is - how do we prepare for it? With good fortune with the help of insurance, we can protect ourselves and our loved ones against unforeseen circumstances in the near and far future.
You've worked hard to accumulate your wealth and asset, why risk losing it by being unprepared? Protect your dreams and goals and don't let anything get in the way. Insurance is a great way to give you a peace of mind.
Budgeting - manage your money
We make lots of plans through our journey in life. We plan holidays, plan our day, plan our meals and plan our catch ups. We don't necessarily do the same with our money and cash flow. Surprising? Perhaps. Common? Absolutely.
While money is a fundamental enabler for achieving our goals, many do not plan how they save and spend their money. Not understanding your cashflow is like turning up to a cafe to meet friends .. without telling your friends. Goals are not achievable unless your budget is planned for it. We will work with you to identify, plan and help implement your budget for your goals.
Debt Reduction - control your debts
Have you ever wondered why your cash flow is so tight? There is a common source of this - debt. Want to buy something but don't have the funds for it right now? Credit card, personal loans, borrowed money. While this strategy definitely gives you what you want right now, a debt is created that will demand your cash flow to repay it back. We will analyse and review your cash flow and financial position to ensure that you have a manageable plan to not just meet these repayments but to reduce and clear the debts you should be paying off.
Having a clear understanding of your cash flows and a plan to control and reduce debt is essential to ensure that other financial goals and arrangements you might have are not impacted.
Super & Retirement
Superannuation - Maximise your super savings
While it is never too late to review your Super, managing it early to ensure sufficient funds later in life is definitely advisable. Planning and contributing now can make a big difference later in life. Make sure that you are on track with your retirement savings to fund a lifestyle that you want to live. You've worked hard, ensure you have enough to enjoy it later in life.
Make time work for you, take advantage of tax benefits and make calculated contributions. Have a plan that will set the roadmaps to build your retirement savings.
Retirement - for your enjoyment
Life is full of surprises but don't let retirement take you by surprise. Plan your finances ahead and don't be caught out.
There are many aspects to your finances that needs to be considered when it comes time to making the big decision to step outside the workforce for good or down working hours. What is the state of your cash flow? What income can you rely on? What is your life style or what is the expected retired life style that you want to life? How will you pay the bills, grocery, holiday?
We can develop a plan that will give you control over your retirement and financial options. From what you need to accumulate to how much you should gradually drawdown once you reach retirement - get a clear roadmap to guide you along the way.
Self Managed Super Fund (SMSF) - do it your way
While Super provides a tax effective savings structure to fund your retirement, you may want to take greater control in its investment and therefore, its growth. While Self Managed Super Fund (SMSF) is an option available to all, its structure, set up and management can be complex, requiring an array of specialists to help you create and manage it effectively for growth. While one specialist can help you create and start an SMSF, are you well informed in making the right investment decisions? Keeping in mind that your super fund is your nest egg for your retirement later in life, what information do you need to manage it effectively? Having extensive experience in SMSF, we are well positioned to help create the funds you require to retire.