Retirement Planning

You're not alone wondering how you are going to retire. During our discussions we will identify what retirement looks like to you and we will map out a plan that will guide you towards that lifestyle.

If your retirement target is out of reach we will consult and educate you on the changes you could implement to get there, or identify alternatives to redefine your retirement.

We will empower you to take the direction you would like to go.

Superannuation

Super is a great way to save for your retirement. Given its concessional tax treatment we will often explore ways in which you can benefit from the tax structure.

The fundamental performance of your super will come back to the investments you select for your fund. Many of the investments you are comfortable with can be owned by your super. These may include term deposits, direct equities and even the house next door.

Super can come in the form of a diversified fund, a WRAP account with term deposits or ASX shares, or even your own self managed fund for direct property investments. Each has different characteristics and we will help you find the right fit for you.

At the heart of the tax benefits is the maximum tax rate of 15% which reduces to 0% when you start to draw a pension.

We have clients with all the types of super funds listed above and will work with you to identify the right fund for you.

Investing and gearing

The magic of compounding can be your best friend in creating your retirement income and using gearing correctly can amplify your returns. For those who may need access to funds before retirement age we may decide to invest in your own name. If you don't need access to the funds now the most tax effective way to invest is via superannuation.

Insurance

Planning is not just about making money it's how to protect your lifestyle now and into the future.

No matter what stage of life you are in, what would happen if you became ill, injured or worse? How would you pay your bills? How would your family survive? We believe that insurance is an integral part of your financial plan.

In some instances we can utilise superannuation to help fund some of these insurance premiums. During our discussions we will outline the benefits and drawbacks of owning your insurance in your own name or through your super and together we will tailor a solution that works for you and your family.

Home, car and asset finance and Accounting

Advice around these services is provided via a referral arrangement with Finestream Group who can be contacted via http://www.finestream.com.au/

Matt Hawthorn is a Director of Finestream Group.