Individuals and Families

To improve your financial well-being, you need a plan tailored around you. That may include structuring your assets to minimise unnecessary tax or creating a plan to ensure a comfortable retirement. The challenge is knowing what opportunities are available to you and how to use them best.

As a Chartered Accountant Financial Planning Specialist, we help you discern the best possible course of action. We do that through evidence-based research and an in-depth understanding of you, and your family’s, needs and goals.

Prudent investing is providing the best opportunity to achieve financial well-being while also lowering risk. That involves knowing what to invest in given the breadth of options and countless trends, most of which are futile.

We help you reduce the uncertainty of investing by creating a deliberate strategy backed by evidence-based research. And we help you implement and manage that strategy long-term, making sure the strategy is up-to-date (with reference to your goals) in an ever-changing market.

If you want to reduce tax, retain access to liquidity or protect your assets, you need to be regularly reviewing your financial position and structure. We help you set the right direction and manage ongoing reviews in a timely, hassle-free manner, so you can get the most out of your financial situation.

Services include:

• Tax returns and financial statements partnerships, companies and trusts
• Entity structuring and tax planning
• Tax advice

Transferring wealth to the next generation can be a complex and emotional process. As advisers who understand your needs and goals, we can recommend and liaise with our network of lawyers and other professionals to streamline what is normally a drawn-out process and ensure your legacy can live on according to your vision.

You want to maximise the available opportunities to reduce tax, distribute wealth and protect assets. But there are many entities to consider. We help you discern what entity you should run your personal and business financial affairs through to maximise the opportunities available to you.

Services include:

• Advice on what structure should hold assets and operate businesses
• Advice and management for administrative requirements:
• Establishing a company, trust, partnership
• TFN / ABN Applications
• GST / PAYG Registration
• Liaising with regulatory bodies

As we all know, unexpected events do happen. As a Life Insurance Broker, we help you choose (out of the various options) the right life and disability insurance cover that will provide adequate safeguards for you and your family.

Self Managed Super Funds (SMSFs) have many benefits, like greater control and flexibility to smartly leverage your assets. But SMSFs can also have drawbacks, like the complex maze of stringent and ever-changing rules. Funds need to be constantly monitored and updated.

As SMSF Specialist Advisers, we help you tailor the fund around your current situation and retirement goals. And we monitor the fund closely, making sure the fund is working for you, instead of you working for your fund.

Services include:

• Establishing and registering the fund
• Preparing annual financial reports and tax returns
• Assistance with external audit requirements

Giving back to the organisations and communities which positively impact our world is a profoundly generous act. The way you go about donating, however, can affect the impact you can have. Having a clear plan can ensure the capital is used for the intended purpose.

We help you create and implement the most meaningful strategy to create the best outcomes for the recipient, as well as for you.

The way a loan is structured affects how much money you can save long-term. Many financial institutions will try to sell certain types of loan packages that may seem suitable but don’t necessarily end up working in your favour.

We hold an Australian Credit License and are accredited with numerous financial institutions. That means we know the pros and cons of each bank and loan type and can help you choose the one most suited to your overarching financial strategy.