Are you trying to solve any of these questions?
How much is 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. We can help with super fund selection, saving strategies, investment selection and more. We can help you to fund a comfortable life for the rest of your life, no worries.
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.
What happens if income stops due to illness or injury?
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? How would you keep your home if there is a loan on it? How would you fund your expenses? 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.
Funding kids
At different stages of our children's lives, they have different funding requirements. It can be day care, school, university or house deposit. 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.
Building wealth
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? We help you work through the thousands of options and find the solution that works for you.
Protecting 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.