I understand that building your wealth requires more than just advice — It requires a personalised and comprehensive strategy. My Investment Advice and Wealth Management Services are designed to guide you through every facet of wealth creation and preservation.

Wealth creation and management will include:

• Considering tax efficiency and investing in the most tax effective structure
• Tailored Investment Strategies taking into account financial goals, risk tolerance, timeline.
• Diverse Portfolio Management to access a diverse range of assets, from traditional securities to alternative investments allowing for a well-balanced and diversified portfolio.
• Proactive Risk Management to help protect your wealth and reduce volatility

Building wealth is only part of the equation; safeguarding it is equally important.  Wealth protection ensures your hard earned assets and financial legacy are shielded from unforeseen risks, ensuring a secure and resilient future.

Wealth protection includes:

• Comprehensive risk assessment and needs analysis
• Tailored insurance solutions
• Estate Planning

Our wealth protection services include developing contingency plans for unforeseen events, such as disability, illness, or sudden financial disruptions, providing you with a proactive approach to safeguarding your financial well-being.

We understand that building your wealth requires more than just advice — It  requires a personalised and comprehensive strategy. Our Investment Advice and Wealth Management Services are designed to guide you through every facet of wealth creation and preservation.

Wealth creation and management will include:

• Considering tax efficiency and investing in the most tax effective structure
• Tailored Investment Strategies taking into account financial goals, risk tolerance, timeline.
• Diverse Portfolio Management to access a diverse range of assets, from traditional securities to alternative investments allowing for a well-balanced and diversified portfolio.
• Proactive Risk Management to help protect your wealth and reduce volatility

Your superannuation fund is a cornerstone of your financial future.  Our service designs strategies that are needed to build your superannuation for a comfortable and secure retirement.

Superannuation Advice includes:

• Assessment of your current superannuation fund, contributions, investments, insurance, death nomination and performance
• Compare superannuation funds
• Develop strategies to boost your superannuation savings to meet your retirement goals
• Develop strategies to maximise tax benefits via your superannuation
• Investment guidance by discussing your risk tolerance and creating an investment portfolio that is line with your investment objectives and risk profile

SMSF Advice Service includes:

• Determining whether a SMSF is appropriate for you
• Discussing the advantages and disadvantages of a SMSF
• Establishing a SMSF
• Discussing and creating tailored investment strategies
• Help you with the ongoing regulatory and compliance of running a SMSF
• SMSF death nominations
• Closing SMSF’s

Being tax effective is very important to help you to grow wealth.  We provide personalised strategies to minimise your tax liabilities that legally reduce your tax burden ensuring you keep more of your hard earned money.

Tax minimisation advice includes:

• Personalised tax strategies that align with your objectives
• Structuring income and deductions
• Provide asset and investments planning to ensure the most tax effective structures are used to build wealth
• Implement the recommendations
• Provide ongoing reviews of the tax strategies

There is good debt and bad debt and we can help you take control of your finances with personalised debt strategies to create wealth and work towards a debt free future.

Debt management advice includes:

• Debt assessment of your current situation
• Develop strategies to consolidate and repay debt
• Assess strategies that use debt to create wealth
• Create a debt management plan
• Ongoing support and monitoring of your debt plan

Debt used wisely can help create wealth but debt can also destroy wealth.  Debt can be an major burden and cause immense stress and thus we like to help you build a pathway to being debt free by retirement.

Dealing with Centrelink can be a frustrating and complex process.  It is important to understand what claims and health care cards you are eligible for and to maximise your entitlements.

Centrelink – Age Pension Advice includes:

• Assessment of your personal and financial circumstances to evaluate the benefits your are eligible to claim
• Develop personalised strategies to maximise your Age Pension payments
• Structure personalised strategies to incorporate Age Pension into your overall retirement plan
• Provide application assistance and provide ongoing support by dealing with Centrelink on your be-half

We find that many people don’t like to deal with Centrelink and miss out on a major source of retirement income and benefits.  We can take that stress away by dealing with Centrelink for you as well as creating strategies to boost your Age Pension entitlements.

Our service is to assist people to apply for the Age Pension, health care cards and remove your head ache of dealing with Centrelink. Once you are receiving the Age Pension we can update Centrelink of your assets and income on your behalf.

• Age Pension Application / Claim: Complete and submit Age Pension Application including Asset & Income Test form
• Health Care Card Application – Complete and Submit Low Income Health Care Card or Commonwealth Seniors Health Care Card application
• Personal Consultation on Age Pension Eligibility – Comprehensive meeting on Age Pension entitlements, eligibility and calculation of expected payments based on your assets and income
• Centrelink Asset & Income Update – Update Centrelink of your current assets and income
• Ongoing Centrelink Nominee Service

Personal Tax Service:

• Claim franking credits back from dividend paying shares and managed funds
• Work out if you are required to do a personal tax return

MyGov Services:

• Setting up a MyGov Account
• Linking services to MyGov such as ATO, Centrelink, Medicare
• Assist you in completing personal tax return through MyGov

Whether it is your parent, partner or relative going into Aged Care it can be a very daunting and overwhelming situation. We can guide you through the complexities of Aged Care living and provide strategies to manage the financial implications of being in Care.

Aged Care Advice incudes:

• Personalised Aged Care Plan that outlines strategies to fund Aged Care costs and minimise Aged Care costs
• Help you navigate Aged Care Options
• Implement Age Care Plan

Our Aged Care Service is designed to provide clarity, support and peace of mind with assisting you with well-informed Aged Care decisions.

Planning for the future is not just about your lifetime; it’s about protecting your assets, ensuring your legacy is passed down in line with your wishes and seamlessly.

Estate Planning Advice includes:

• Conduct a thorough assessment of your assets, liabilities and financial situation to form the foundation of your Estate Planning strategy.
• Discussing the difference between simple Wills and Comprehensive Wills providing asset protection and tax efficiency
• Structuring death nominations within superannuation in line with your other Estate Planning needs
• Working with a legal professional to draft your Wills and Power of Attorney’s and implement your Estate Plan
• Provide advice to those that are inheriting funds which can include tax planning of inherited funds

It is very important to have your Estate Plan’s in order to ensure in the event of your death your asset are distributed in accordance to your wishes.  It is equally important to ensure you have Power of Attorney’s in the event you can’t act for yourself and wish for a trusted person to act on your behalf.