Typically, our financial planners will conduct a cash needs analysis to ensure your long and short-term cash needs are provided for, your existing debts are managed, and a budgeting plan is in place. As part of a broader conversation including your financial goals and tolerance to risk, this work helps us design an investment strategy suited to your individual circumstances and allows us to make recommendations on an appropriate level of insurance. We’ll also discuss your retirement planning and superannuation strategy, helping you to understand the contributions you need to make to achieve your desired retirement lifestyle.
Working alongside your accountant, our planners can help ensure your financial affairs are structured to best suit your objectives within the current taxation environment. If required, they can also help you prepare for lodging your personal tax return, including the creation of a consolidated asset statement.
Planning your estate and the transfer of wealth to future generations is another area where we can help. We can work with your solicitor to protect your family legacy and the financial security of your dependants.
As everyone is different, our end goal is to provide the level of support you require, rather than a 'one size fits all' solution. As such, some of the above may not apply to you. However, as your circumstances change and we review your strategy, we’ll be able to offer additional advice and services as required.