Financial Planning


How do we invest?

Wealth Creation Planning

Our professional planners can help you make the most of your income and home equity to improve your wealth over the long term. We can help with:

  • Budgeting & savings plans
  • Investing extra cash flow & equity
  • Creating a tax friendly debt structure

Superannuation Advice

We can advise you on whether you’re taking full advantage of your super. It’s a good idea to occasionally review your current plan, particularly when your lifestyle and income changes. There are lots of superannuation plans out there and lots of different options within your existing plan. Taking a little bit of extra time to make sure you’re in the best plan or have the right options for you can make a big difference down the line. We can also advise you if you’re in a position to use salary sacrifice to reduce your tax or if it would advantage you to have a Self Managed Super Fund.

Retirement Planning

Planning for retirement is important whether you’re just about to retire or if it’s a long way off. We can help you to ensure you will save enough to fund your retirement and to plan how you spend those funds when you do retire. What to consider for your retirement:

  • What annual income would you like to live off during retirement?
  • How long will your savings last on that income?
  • Will you be able to afford holidays, hobbies, a sea change or other activities you would like to do in your retirement?
  • Are you on track to save enough to afford the lifestyle you have in mind?

We can help to answer all these questions and set up a plan for you. You can have peace of mind knowing you’ll be looked after in retirement.

Life & Income insurance


If you’re not already insured we highly recommend taking out insurance. Have you considered what would happen to you or your family if something happened to you? For example, if you were injured and couldn’t work for an extended period of time could you:

  • Maintain your lifestyle?
  • Continue paying off your debts?
  • Hold onto your hard earned savings?
  • Afford medical costs or care?

Insurance is vital to protecting your wealth and we can help you to take out a policy that suits you. Click to read the following claims case studies: Customer Claim Story – Scottie Customer Claim Story – Darren and Marcelle We also offer flat rates for high income earners that can save you thousands of dollars every year. For details contact us.

The Stats

There is nearly a 50% chance for women and over 50% chance for men that you will suffer a critical illness, injury or death before the age of 70. 1/3 of women and ¼ of men will get cancer at some stage in their lifetime and have to take time off work. Of these, only half will live longer than five years after diagnosis.

Mortgages and Loans

We can discuss your lending needs. For all life stages, a first home buyer, those with an existing mortgage, borrowing to invest in property, borrowing to invest in shares and managed investments. Structuring your loans effectively often begins with a deeper conversation to understand what you need and what your plans are. We love working with clients to simplify their finances and to make things easier to manage.

Property Advice

Whether buying a home or investing it’s a good idea to get expert advice on when purchasing a property. When taking out a loan you need to consider:

  • Interest rates
  • Fees
  • Product features
  • Your income, lifestyle & savings goals

We can help to find the best loan for you and build a plan to pay it off. Investing in property can be useful as a tax deduction (negative gearing) and make you money in the long term. We can advise you on how much you can afford to invest and whether you are likely to see a significant return on your investment.

Self Managed Super Funds

We specialise in setting up and helping you manage Self Managed Super Funds. SMSFs give you more control over where your super is invested and they are a great option for high income earners, those with a high superannuation balance or those close to retirement. You can save thousands of dollars a year by managing your own fund. Contact us to find out how we can help you set up an SMSF.