Advice

We can give you clarity in the following areas:

Retirement Planning

  • Do you have a personal retirement plan?
  • What do you want to do?
  • Do you have enough money to retire?
  • How much do you want to live on in retirement?
  • Do you want to leave any money to the kids?

Superannuation

  • Are you in control of your superannuation?
  • What services have you been receiving?
  • What risk are you taking?
  • Are regular reviews part of your strategy?
  • What super should you have? Industry, Retail, SMSF?
  • Do you know the massive advantages available through smart super strategies?

 Estate Planning

  • Would your family be left in the best position if something happened to you?
  • Could they effectively manage the problems?
  • Is everything in place now? Wills, Powers of Attorney etc.
  • What are the tax consequences?
  • How do you equalise your estate?
  • Can someone challenge your will?
  • Why doesn’t your super automatically form part of your estate?
  • Are you leaving a massive headache?

 Insurance

  • If something was to happen to you, are your assets at risk?
  • What about your cash flow?
  • Do you have any debt?
  • What about the kids?
  • How much is enough?
  • What sort should you have?

Wealth Accumulation

  • How are you currently accumulating wealth?
  • Do you have a budget?
  • How much risk are you taking with your investments?
  • How can you diversify your investments?
  • Are your investments really working for you?
  • How can you accelerate the repayment of your mortgage?
  • What is your tax position?

Business Succession Planning / Business Wills

  • Do you have a business exit strategy?
  • What would happen to the value of your business if you died or were disabled?
  • What would happen if your business partner died?
  • Do you want to pass the value of your business on to your family?
  • Do you realise you have a default succession plan in place now?

Centrelink

  • Are you maximising your age pension?
  • How does the income and assets test work?
  • How do Centrelink benefits tie in with my overall plan?
  • Do you understand the opportunities available?

Aged Care

  • Are you aware of the costs to enter aged care?
  • Should you sell or keep the family home?
  • Do you understand how to minimise your aged care costs?