Services:Financial services can be demystified when you have access to experts who can help you. Too often you can have an idea of where you want to get to but have difficulty in knowing where to start on your journey - that is where we can provide guidance and direction. Contact us to make an appointment to see a financial adviser. ^ Your aspirations could include a holiday home, an annual trip overseas and/or good food and wine or simply just creating wealth. We help you to identify your lifestyle goals and prioritise them. ^ Your Financial Plan helps you to bring your lifestyle goals and personal financial planning together. Our step by step process creates a 'living plan' that always stays in touch with your end goal and uses effective strategies to minimise tax and create wealth. ^ Have you got your affairs in order? Most of us want to have our financial affairs in order for our beneficiaries and leave a legacy that in many cases continues to create wealth. Estate planning is the planning and documentation of your wishes for the distribution of your wealth following death, including assets you own personally as well as assets you control. Estate planning is a specialist area and it is therefore important that you obtain professional legal advice in relation to all areas of your estate plan. A Will is the first step to ensuring the distribution of your estate is actioned in accordance with your wishes. Upon your death a court controls the distribution of your estate and the persons to whom you estate is distributed to, which may result in delays in asset distribution without a Will. - Binding Nomination
Did you know that in the event of your death your superannuation will go into your estate and be liable to taxation? The tax benefits of making your spouse or dependent children the beneficiary of your superannuation through completing a binding nomination form removes liability for tax.
Talk to us about tax effective Estate planning by contacting us to make an appointment with a financial adviser. ^ What sort of retirement lifestyle are you planning? Will you have sufficient money to fund your retirement? Are you looking to retire shortly or would it be more effective to delay your retirement for a few more years? Whether retirement is many years in the future or closer than is comfortable, you should talk to us about structuring your financial plan to achieve your desired retirement lifestyle. We can provide assistance with structuring tax-effective income streams in retirement that are reasonably flexible. We also help structure your finances to gain access to additional government benefits taht you may be entitled to. ^ Is change in your working environment creating uncertainty with security of your employment? Are your facing retrenchment? In today's environment nothing is certain and this is especially true with employment. Retrenchment has become the norm and many of us do not realise that there are effective strategies that will minimise the impact of tax on our retrenchment payout. Retrenchment planning for your current circumstances and your future needs is critical. We can structure your retrenchment payout to budget for your immediate needs until you start working again, consider strategies to reduce your exposure to the impact of debt and/or make additional contributions to your superannuation to minimise the impact of tax on your payout. Talk to us if you are facing retrenchment and need some guidance about effective strategies with your payout. ^ What happens to your business if you are unable to work through either personal injury/illness or family issues? Do you have plans in place that will allow your business to continue operating? It is quite common that a sole trader or family business collapses when the key person in the business is unable to work. Business Continuity Planning will help to minimise the impact. We can work with you to put a Business Continuity Plan in place that will protect you, your family, your business and your employees. ^ Did you know that if you take out a loan to purchase an instalment warrant, you can get a tax advantage on the interest? What about the advantages of investing in the property market and negative gearing? Gearing into our direct equity portfolios can not only create additional wealth and be be tax effective they provide income to subsidise the interest costs. There are many benefits with gearing strategies. However, you need expert advice as it is critical to understand the risk vs return vs your own unique circumstances - and that is where we can help you. ^ Did you know that by making a salary sacrifice contribution into super there are opportunities to reduce your tax rate from 48.5% to 15% at the top end of the market? What about the tax advantages of income splitting? Are you eligible for Spouse contributions or the Government CoContribution? We all want to minimise our tax. This complex area requires the help of professional accredited advisers and this is where we can add value. ^ Many of us will not be entitled to full Social Security Payments in our retirement. With effective structuring of your retirement strategies, you could be able to access some benefits. We can provide help and advice in understanding the Social Security system and where possible make recommendations on your investment strategies that could provide access to some benefits. ^ We can help protect your assets through guiding you on appropriate structures, trust or companies that are tax effective and will create wealth. ^
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