• How can a planner help?

    Budgeting

    Do you know how much you spend – each week, each month and each quarter? If your money seems to disappear, try setting yourself a firm but achievable budget and start taking control of your money. ^ More

    Saving versus Investing

    The terms ‘saving’ and ‘investing’ are often used interchangeably but actually are very different.
    Saving is putting money aside for some short-term goals or as a back-up in case of an emergency. While relatively safe, savings are generally placed in a basic savings account earning relatively low rates of interest. The return on your savings may be outweighed by inflation and account charges. Investing, on the other hand, is putting your money to work strategically for the longer term, to build wealth. ^ More

    Superannuation

    Unfortunately most people have a huge shortfall in their retirement savings: the average Australian’s superannuation balance is just $63,000*, not much considering a comfortable retirement can cost up to $37,321# pa for a single person and $50,414# pa for a couple. ^ More

    Retirement Planning

    Retirement is a time of life for you to relax and do the things you have always wanted to do. Therefore, careful planning can help ensure you are financially comfortable, secure and able to enjoy your retirement. ^More

    Insurance

    What would your family do if something happened to you? Illness, injury and death can have a huge impact on your family and your finances. Make sure you look after your loved ones and protect them against these risks. ^More

    Share Investing

    Investing your money is an effective way to build your wealth. You can choose whether you invest directly, indirectly (through a managed fund) or a combination of both. ^More

    Redundancy

    Redundancy can affect anyone from the chairman to the trainee. In this situation, there are many things to consider. Make sure you get the right advice so that you make the most of your payout and ensure it provides long term benefits. ^More

    Tax Minimisation

    When it comes to investing, there are many investment strategies that you can utilise to minimise the amount of tax you pay. ^ More

    Estate Planning

    Equally important as creating wealth is planning for the distribution of it to your loved ones after you have gone. First and foremost, this means having a current and valid Will in place. Did you know that dying ‘intestate’ (that is, without a Will) means that your assets (known as your ‘estate’) will be distributed according to a statutory formula which may not be in line with your wishes? ^ More

    Questions?

    If you have any questions, please contact us