Cash Flow & Budgeting
Many clients tell us ''We're earning money but aren't sure how we spend it. Our bank balances just don't reflect our earnings."
Superannuation
Superannuation is simply saving for your retirement. For many, it will be their most significant financial investment in life. It's important.
Investments
Is your money working hard for you? A common question, but what does it mean? Putting money to work relates to investment type and strategy.
Tax Minimisation
According to the Australian Financial Review, Australia has the second-highest personal income and business profits tax rate combined out of 34 of the world's leading economies.
Personal Insurance and Income Protection
Ensuring you and your family are protected from financial stress should something go wrong is critical. Good financial strategies include provision for unexpected time off work.
Self-Managed Superannuation
A Self-Managed Superannuation Fund (SMSF) can be a powerful tool for managing investments.
Debt Management
Managing debt is essential to ensuring good cash flow. Structuring debt and paying down frees up cash and improves your overall financial position.
Retirement Planning
Choice of lifestyle during retirement is personal. One school of thought for most, though, is that you'll want to be doing what you love without worrying about affordability.
Centrelink Pensions
After working, you may be eligible to receive government benefits like the Aged Pension. Or, if you're no longer able to work due to permanent injury or illness, you may be eligible to receive the Disability Support Pension.
Estate Planning
Planning for the future ensures peace of mind, knowing that bequeathments and wishes are secure. Aside from creating a Will, you may want to consider whether an Enduring Power of Attorney or an Enduring Guardianship is appropriate for you.
