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