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Your financial situation - building wealth
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.
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?
Contact us for your initial discovery meeting and receive your free Risk Profile Analysis.
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.
Contact us for your free 60 minute appraisal.
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 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.
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.
Contact us for you initial free consultation.
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.
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 left 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.
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.
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