How to...
Have enough for retirement?
How much do you really need? There are many who quote $1.35m but what if you won't have that much? Does that mean you will starve? Have a poor retirement? No. Why? Because the $1.35m doesn't include the Age Pension. There are ways to fund a comfortable retirement for the rest of your life without having $1.35m. Start at 60 and we can help you increase your age pension eligibility significantly and make the money you do have stretch further. We focus on income streams that fund what you need and want. We will do our best to help you have a comfortable life for the rest of your life, no worries.
Work less but save more?
You can. There is a strategy that allows you to work less but save more money. Instead of paying tax, you pay it to your super fund. If you are ready to reduce your load but not yet ready to fully retire, we can help you transition at a pace that suits you.
Pay off debt or save for retirement?
Do you focus on paying off your home loan or do you put more into super and pay off the home loan later? Well that depends... Putting money into super can be tax deductible however your home loan can become tax deductible too, if done the right way. We help you to compare the options based on your circumstances (income, home, super, loan, expenses) and map a path that helps you achieve what is important to you.
Fund illness or injury expenses
Illness or injury can strike quite unexpectedly and they can result in you not being able to work. What would happen if you couldn't work? Depending on where you are at financially, there are a range of options for over 60 year olds. Do you need insurance, well we can help you work that out. Those premiums get quite high from 60 years old. We help you build a cost effective safety net so that if the worst happens, you don't have to worry financially and can focus on getting better and/or spending your final days making memories with loved ones.
Fund your adult children?
At different stages of our children's lives, they have different funding requirements. The days of school fees may be behind you but now you may be wanting to help them get a home. What is the best way to go about that? For example, do you gift, loan, guarantee for the house deposit? There can be serious long term difficulties created if not done properly. We can help you map out the options from birth to grandchildren and find the ones that work best for you.
Get your money working for you?
Do you have surplus cashflow and not sure what is the best way to invest it? Do you buy property, shares, term deposits, annuities? Do you use a family trust, bare trust, investment bond, directly? Do you put more into super? We help you work through the thousands of options and find the solution that works for you.
Protect your legacy?
Your legacy is what you have spent your life building. It could be the quality of your family relationships and/or the wealth you have accumulated. Having a plan in place for how you will empower your loved ones when you are gone or can no longer make decisions for yourself can help protect all that you have built. We can help you work through the decisions and direct you professionals to implement your strategy.