Financial Planning

Broadly speaking, financial planning is the process of organising your finances, to help you achieve your financial goals and aspirations.

We provide a holistic approach by analysing all areas of your finances, as well as uncovering what it is that you really want to achieve with your finances in the short, mid, and long-term. This can be anything from being financially secure for an early retirement, gifting to loved ones, or buying a holiday home.

As time goes by, your aspirations and circumstances will change. We can help accommodate and anticipate these changes within your plan as it too evolves over time.

Financial planning can help you in a number of ways, from achieving financial independence to protecting against the unexpected, planning for long-term care, to providing for your family’s future. Some types of financial planning include:

Retirement and superannuation planning

With Superannuation legislation constantly changing it is important to establish a robust retirement and pension strategy that will suit you and your financial situation while making full use of the tax concessions available within Super. This may include consideration of establishing a Self-Managed Super Fund (SMSF) but only where it’s appropriate.

Life-changing events

Everybody experiences life-changing events at some point, whether directly or through a loved one. These often require difficult financial decisions with long-lasting consequences to be made quickly and in the heat of the moment. We can show you the implications of these decisions and help you to make them, ensuring you find the right solution for you and your family.

Cash-flow planning

Detailed cash-flow planning can help to clarify your future financial position and how to achieve your financial goals. Using a cash-flow forecasting model, we provide a detailed forecast tailored to your specific circumstances. This will assist with answering common questions: “Do I have enough money saved for retirement?”; and “How long are my savings likely to last?”.

Protection and Insurance

Protecting your family’s finances against the unexpected. Many families would struggle to make ends meet if a family member developed a serious illness or died. This is why it’s so important to ensure you have the right level of financial protection and insurance in place. We can give you the peace of mind that you and your family are adequately protected and financially secure, whatever the future brings.

Tax planning

Clever tax planning is important to help secure your financial future. Working with your accountant, this may include putting more into superannuation or making the most of the available tax allowances and structuring your finances as tax-efficiently as possible.

Estate planning

Developing an appropriate estate planning strategy is an essential part of long-term financial planning. Often in conjunction with a specialist Estate Planning lawyer, we can assist you in navigating the tax rules and regulations that can influence how your wealth is distributed; helping you to put in place robust structures to ensure your affairs are settled long before you pass away. Powers of Attorney are important if something goes wrong while you’re still alive.

Get in touchInvestment Management

Making sure there’s time & money for the more important things.

Level 22, North Tower

459 Collins Street

Melbourne, VIC 3000

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