Financial Planning

We provide advice in the areas listed below.

Cashflow and Savings

• Budgeting tips and strategies
• Savings targets
• Appropriate cash buffers to have in place
• Strategies to fund upcoming expenses (i.e. renovations, school fees, holidays, new car)
• High interest cash accounts
• Mortgage offset accounts

Direct Property Investing

• Pros and cons of property as an investment tool
• What to look for in a property purchase
• Upfront costs when buying property
• Cashflow implications of purchasing an investment property
• Assessment of the viability of your current property assets

Finance

• Correct structuring of homeloans and investment loans
• Interest rates
• How to pay off personal mortgages as quickly as possible
• Separating personal and investment debt
• Whether to have loans interest only or principal and interest
• Mortgage insurance

Managed Fund Investing

• Pros and cons of managed funds as an investment tool
• Managed fund selection
• Gearing and margin lending

Superannuation

• Pros and cons of superannuation as a way to build assets for retirement
• Salary sacrifice
• Government co-contribution
• Transition to retirement strategies
• Allocated pensions

Insurance

• Life Insurance
• Total and permanent disability insurance
• Income protection insurance
• Trauma insurance
• Strategies around where/how insurance should be held (inside/outside super)

Retirement Planning

• Asset base required to meet retirement income goals
• How to build assets for retirement
• How to use your investments to fund your retirement income
• Estate planning
• Reverse mortgages
• Centrelink (age pension)