financial changes Sunshine Coast Adviser self managed super

About You

Life changes and so do your finances, our menu directs you to different times in your life cycle, we hope we can give you a brief outline of the financial changes throughout these times.

Just starting out

It can all become a bit confusing when you are just starting out there are so many things to think about and so many people telling you what to do and the advice is all different.

Information overload can be paralysing if you don't have a clear idea of where you want to go and how to get there. More information >>

Setting Goals

Most people spend more time planning a holiday than planning their future financial success.

Would you like have an unbiased review of your goals without friends or family interfering?

Contact us for an initial free discovery meeting.

Savings>>

Savings

How can I start saving when all my income goes into just paying for daily expenses?

Contact us for a free analysis and some special tips on how to get started.

Budgeting>>

Budgeting

I know I need to budget, so I can start saving for that something special but how do I get started?

Contact us for a free analysis and some special tips on how to get started.

Debt Management>>

Debt Management

My debts are out of control even though I earn a good income, how can this be turned around?

Contact us for a free consultation on how to structure debts efficiently.

First Home>>

First Home

I want to buy my first home or investment property but just don’t know the right way to do this and the hidden traps that could cost me a fortune later on. How do we know the finance that has been offered is right for us?

Contact us for a free consultation on how to structure this purchase efficiently and to look at the other services that are essential for this to be a successful and painless process.

Catastrophe Planning>>

Catastrophe Planning

What would happen if the unthinkable happened? That is the big question, how can you continue to keep some income coming in? Pay all the debts and maintain your standard of living if you suddenly become ill or experience a serious accident?

Contact us for a free Catastrophe Planning Analysis.

Taxation>>

Taxation

You may be earning a great income but are you maximising your tax deductions?

Contact us to organise an appointment with the Accountant.

Moving ahead

You don't want to be like some people just drifting along aimlessly because your employment is secure your income is good so you want to get all of your finances organised.

Painless Savings>>

Painless Savings

You have decided upon some short to medium term goals and have figured out that most of these goals require money, some lot's of money, so how do we start?

Contact us for a consultation on how you can set up and run your own Painless Savings Strategy.

Investments>>

Investments

You have been saving hard and managed to save quite a lot but now it seems all of your friends are talking about investments. It sounds exciting but your not sure if these are the right investments for you. Some sound like get rich quick schemes and you don't want to lose all of your savings.

Contact us for your initial discovery meeting and receive your free Risk Profile Analysis.

Budgeting>>

Budgeting

Budgeting is the foundation of any investment strategy, even for the very wealthy. Budgeting can free up lazy money for additional investment.

Contact us for you initial free consultation.

First Home/Investment Property>>

First home or Investment Property

When buying your first home or investment property most people don't even think of seeing a financial adviser first. Often this results in the wrong strategy and the wrong type of loan that is inflexible and costly to get out of.

Contact us to book you initial consultation we can assist you obtain the appropriate financing solutions for your short, medium and longer term needs.

Children's Education>>

Children's Education Funding

We have started a family and like most parents want the best education possible for our children. We realise that education expenses can be quite high so want to put in place a strategy to enable us to fund for these expenses.

Contact us for you initial free consultation.

Catastophe Planning>>

Catastrophe Planning

What would happen if the unthinkable happened? Now you have a young family, you have come to realise that should the worst happen to you or your partner, one income could suddenly stop. But how would the monthly mortgage be paid. What about unexpected medical expenses, the power, phone and the rates bill? How will this all be paid so my family doesn't have to sell assets just to survive and most importantly keep a roof over their heads?

Contact us for your discovery meeting and a free Risk Analysis for you and your partner.

Building More Wealth

Budgeting

We know we need to budget, so we can start saving for that something special but how do we get started? What should we do first? Will we have to reduce our lifestyle and go without?
Budgeting is the foundation of any investment strategy, even for the very wealthy. Budgeting can free up lazy money for additional investment if you know how.

Contact us for a free analysis and some special tips on how to get started and no you won't have to starve.

Investments>>

Investments

You have been saving hard and managed to save a nest egg. But now it seems all of your friends are talking about the latest investment Fads or trends. It sounds exciting, you've got the cash but you're not sure if these are the right investments for you.
Some of these ideas sound like get rich quick schemes to you and you don't want to lose all of your hard earned savings. So how can you obtain the right advice just for your circumstances?

Upgrading your home

Most people at some point in their lives want to upgrade their home. It is either too small now the children are growing up or you would simply like a new modern home with more space in a better location.
You may have decided that your home is now just too large and want to down size.
What ever the reason it makes sense to discuss your plans with an adviser who can take an objective look at your ideas. There are traps and tip for getting this right. An uninformed decision could cost you thousands of dollars.

Tertiary Education

We would like our children to benefit from a Tertiary Education or our children are preparing to enter University and like most parents, we want the best education possible for them. We realise that the cost of a Tertiary Education these days can be very expensive. So we want to put in place a long term investment strategy which can be drawn from to enable us to fund for these expenses.

Is there a right or wrong way to go about this?

Contact us for you initial free consultation on how the smart alternative to Education Funding.

Superannuation Planning>>

Superannuation Planning

Superannuation can be very confusing, more so if you don't understand the basics.

How much should my employer be putting into my super and when?
How much should I be investing?
Have I enough time left in the work force to take advantage of Superannuation?
When can I get my money?
Should I/we set up our own Self managed Superannuation Fund?

Superannuation over the past ten years has become without a doubt, the most misunderstood retirement savings plan.
It seems that every other day the Government has changed the rules again so why should I/we bother?
You should bother because superannuation is the most tax effective retirement savings strategy available in Australia today. Nothing else comes close. more>>

To not take advantage of everything Superannuation has to offer is like buying a new motor vehicle and not putting any petrol in the tank to run it. It just won't get you very far when you need it most. Let's face it, you could be in retirement for a very long time, 20 to 30 years so making the most of superannuation should make life a pleasure not a pain.
This is where our Specialist Superannuation Advisers SSA™ can help you get the best from superannuation.

Catastrophe Planning

You have come along way, started to build your wealth and have realised that should the unthinkable happen, Death, Disability or loss of income. You could lose everything or if one income suddenly stopped, this would cause a sudden drop in living standards.

How would the mortgage be paid each month, groceries, clothing and education fees? What about unexpected medical expenses, the power, phone and the rates bill?

How can this be prevented so my family and I don't have to sell assets just to survive and most importantly keep our roof over our heads?

Contact us for your discovery meeting and a free Risk Analysis for you and your partner. We will show you how to transfer this risk.

Estate Planning>>

Estate Planning

You're in the process of building your wealth so it is important that you incorporate an Estate Plan.

What is an Estate Plan?

It is the plan put into place with instructions about what you want to have happen in the event of your death.
A Will, your Will which is normally set up by a Solicitor, is just one part of estate planning. Your Will should say who receives what assets and money after your death.
All too often people die without a Will. This creates lots of problems for the loved ones who are let behind to sort out your financial affairs.

Without a Will the Law requires the State Government to step in and you potential beneficiaries may not receive what you would have really liked them to receive. more>>

In your Will you may have decided to make provisions for money to be paid or assets to be gifted to your partner and/or several different family members.
However final expenses like the funeral, executor's expenses, final taxes and unpaid medical bills may deplete your estate and deprive your loved ones of these gifts.

So how do you ensure that this situation doesn't arise?

Contact us for you initial free consultation, we have our Estate Planning Lawyers on hand to assist you ensure appropriate Estate Planning organisation that is compatible with your financial planning.