Financial Planning

We help you develop a comprehensive financial plan that will provide you with the resources and the confidence to live a great life.

Pre-Retirement Planning

The reality that we are getting older can be confronting when it hits. Dave is still trying to kid himself that he’s young because he recently set a marathon PB, but with a big round number birthday coming up that’s getting harder.

Planning for retirement doesn’t necessarily mean you hate working and have a hard stop date in mind. Rather, it’s about having a plan with a target date for when you no longer have to go to work because you need the money.

It’s about ensuring that you’re taking advantage of all of the opportunities available to you to maximise your retirement savings and knowing that you are on track.

Retirement Planning

Good retirement planning ensures you can maintain your current lifestyle for as long as you live.

Running out of money in retirement is a real worry even if you have accumulated significant wealth. Ensuring that you have the confidence to continue drawing sufficient income to do the things most important to you regardless of investment market gyrations, inflation, or other unexpected events is the key to good retirement planning.

Estate Planning

Estate planning is about ensuring that your plans and intentions are adhered to when you can no longer do so.

In the longer term, it’s about ensuring that the right assets are transferred to the right people at the right time, in the right structure and in a tax efficient manner.

More and more we are talking to people who are open to ways of beginning this process earlier, whether it’s via the ‘bank of Mum and Dad’ helping their kids purchase their first property, or other longer term investment strategies. This has three benefits:

  1. You can see the benefits while you are still alive and the difference your gifts can make to the life of a beneficiary now.
  2. You can pass on your experience and knowledge, and your family’s philosophy around money.
  3. There can be significant tax benefits associated with some of the strategies available to you.

Financial Modelling

Financial modelling is a powerful tool which allows you to make more informed decisions, mitigate risk and optimize your financial performance.

It involves creating a detailed representation of your current financial and long-term plans to determine whether you are on track to achieve your objectives. We can use this to identify areas that can be improved and overlay our recommended strategies to demonstrate the effectiveness of them.

With this knowledge you can make better financial decisions and enjoy the confidence of knowing your finances are on track.

Tax Planning

We explore tax efficient investment, super and pension options and strategies to help you build your wealth and financial security. As tax laws change and your finances evolve, we will work closely with your tax advisors to ensure you are taking full advantage of all available opportunities.

By doing so, we can help you to reduce your overall tax burden and free up resources for you to invest, save or allocate towards other goals.