Your goals and lifestyle aspirations are achievable with the right financial planning advice. We are an experienced and dedicated provider of financial advice and services to help you achieve the lifestyle you want. We assist individuals, families and owners of small and medium sized businesses in understanding how to plan for their future.

The importance of a Comprehensive Estate Plan

The importance of a Comprehensive Estate Plan

We may not like to think about it but when it comes to our death, it pays to plan ahead. The emotional impact your death can have on your family and friends is tough enough let alone the addition of financial stress due to ill-planning or no planning at all. There are many considerations to ensure your family has adequate protection and your estate is properly distributed and managed. Estate planning can often be a complex area to address, so consultation with your professional advisers can help ensure you have the right arrangements in place. We explore below some areas you may need to discuss when you seek professional advice. Will – When most people think about Estate Planning arrangements, they just think about their Will. When you prepare a Will, carefully think about your wishes and how you’d like to structure the distribution of your assets to your preferred beneficiaries. Structuring […]

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Super Focused on Australian Superannuation: Your Annual Super Statement

Super Focused on Australian Superannuation: Your Annual Super Statement

As a superannuation fund member, you’ll be receiving your annual statement yearly from your super fund either electronically or through the mail. Your statement is often a good touch point on how you’re progressing with your retirement nest egg. Regardless of your current stage of life, it’s important to review your statement, as superannuation plays a vital role in supporting you in retirement.

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Diversification Fundamentals in Portfolio Construction

Diversification Fundamentals in Portfolio Construction

Diversification, or spreading your risk, is a key risk management strategy used when constructing a portfolio whether inside or outside of superannuation. It’s the strategy commonly referred to as “not putting all your eggs in one basket”. The premise behind diversification is that no one asset or type of asset provides the best performance over all time periods – they tend to rise and fall at different times depending on economic, political and market factors.

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The Importance of Life Insurance And Why You Should Keep It Up To Date

The Importance of Life Insurance And Why You Should Keep It Up To Date

Your personal insurance is an important part of your financial plan as it provides peace of mind and financial protection to you and your family in the event of death. Often Total and Permanent Disablement cover is also ‘bundled’ with Life insurance, this covers the scenario where you are unable to work due to total and permanent disablement, injury or illness. But the importance of life insurance and of periodically reviewing it is centered on the fact that life happens.

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Income Protection And Total Permanent Disability Insurance For Home Duties

Income Protection And Total Permanent Disability Insurance For Home Duties

The real value of a stay at home parent Many people overlook insurance coverage for a stay-at-home parent as we usually think that insurance is put in place to replace lost income. Even though full-time homemakers don’t earn an income, have you considered the cost to replace your contribution at home while your spouse continues to work? It’s important to review options like total permanent disability insurance and income protection.

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