Our Services
Optimise Cashflow
Our empathy, analysis and guidance will help you get to understand the cost of your lifestyle. When you are clear about your needs and discretionary spending and consider your values, you can make confident decisions. Often people find opportunities for savings through the discovery of wasteful habits. Some realise how much surplus income they could be investing or paying out the home loan more quickly. Regardless of your position, the budget is critical for you to control your finances.
Once you know your budget, we are ready to talk about the optimal amounts to allocate for various purposes. Our sophisticated modelling programs will demonstrate your cashflow, assets and liabilities NOW and moving FORWARD!
Take control. Set achievable targets to:
extinguish debt;
generate wealth for specific purposes;
hold a cash reserve, make super contributions, and achieve short term goals.
Investment strategies & Savings plans
When it comes to building financial security, few things are more effective than growing your assets. Whether it is inside superannuation or ordinary money we can provide strategies to minimise tax, enhance returns, manage investment risk and set the goal posts. This includes lump sums for children’s education, replacing depreciating assets, extinguishing debt and having enough money for retirement. If retirement is soon it is important you understand your lifestyle cost and how investment strategies may sustain this.
Building up ‘growth’ assets like owning your home, shares and investment properties can help you achieve your personal goals of growing your wealth so you can enjoy a better lifestyle today and in future. We smooth out the volatility of growth investments by recommending suitable amounts of defensive investments to accord with your toleration of risk.
People are often surprised by what they already know when we ask questions. We can then add value by growing their knowledge and confidence regarding investment decisions.
Superannuation & Retirement Strategies
As you get older your super is likely to be your largest investment outside of your home. It is important to learn about investments at any age to secure your lifestyle during retirement.
Super is complicated because of legislation, yet it is an extremely effective way to grow wealth. It may also be a means to effectively reduce the cost of life insurance.
Super can be in the accumulation phase or pension phase. We also advise on pensions and when applicable this includes Centrelink.
Protection
With so many types of personal insurance available; it often becomes hard to work out what you actually need and how to make this affordable. We will guide you so you understand your needs, key definitions, how to reduce the cost, and other information so you make an informed decision. To begin with, we summarise the type of insurance as follows:
Life Insurance
Who would provide for your family if something went wrong?
We all take our health for granted and rarely think that anything bad could happen to us. Yet it's important to consider how your dependents would get by financially without you. Imagine your family coping with both personal tragedy and a dramatic decrease in their living standards – like losing their home – it's a horrific thought.
‘Life’ or ‘family’ insurance pays a lump sum amount in the event of your death, helping protect your loved ones’ lifestyle and future. It helps ensure your family could survive without you, paying off their debts and providing them with an income to continue living.
Life cover starts from just a few dollars a week – the same as a latte!
Total and permanent disability insurance
1 in 5 Australians suffers a disability that prevents them from working. Could you maintain your current living standards on a disability pension?
Suffering permanent disablement would be devastating for you and your family. With the disability pension only around 20% of the average Australian wage, there could be a significant impact on the lifestyle you are accustomed to.
Without a safety net, the outlook for your family’s wellbeing and your personal recovery could be challenging, especially if you needed permanent care.
Total and Permanent Disability (TPD) or ‘Adapt your life’ insurance pays a lump sum if you are unable to work again due to an accident or illness that leaves you permanently disabled. It can help cover expenses such as rehabilitation, home modifications and carer fees or allow a family member to reduce their work hours to look after you.
Income protection insurance
3 in 4 Australians will be diagnosed with a serious illness in their working life. How would you sustain your lifestyle and pay your bills if you were injured or too sick to work?
Income protection insurance protects your most valuable asset – your ability to earn a regular income. Without income protection insurance all the things we take for granted like managing a home loan or growing savings could quickly become impossible if we couldn’t work – even for a short time. Most of us don’t think twice about insuring our home and car but hesitate when it comes to taking out income protection insurance.
But protecting your income is important!
Critical illness insurance
We all know someone who has been suddenly diagnosed with cancer or has had a stroke. It’s estimated that almost one in two Australian adults aged 30-plus will experience a serious health condition like a stroke, heart attack or cancer. It’s a scary thought.
Private health insurance, if you have it, may go part of the way to meeting your medical bills. But it won’t provide the funds needed to support your family, keep your home or provide a decent lifestyle for yourself and those you love.
Critical Illness or ‘Get Better’ Insurance pays an agreed lump sum if you suffer a listed serious illness or injury, for example, a heart attack or cancer, where treatment can be lengthy and expensive. It helps cover the costs of getting well, such as medical treatments, surgery and rehabilitation therapies.
Having protection can keep your life on track while you deal with the process of recovery and can help you afford access to the specialists and specialised treatments you may need.
