Income Protection

We tend to take for granted our ability to work and earn an income and often don’t seriously consider the prospect of being unable to do so.

 

However, losing your income could have a devastating effect on your future plans, lifestyle and financial security.

 

Income protection insurance provides you with a portion of your employment income for a specified period of time after a set waiting period has been served, until you are either able to return to employment or the policy expires. The benefit is paid to you on an ongoing basis (not as a lump sum), and is taxable as normal income.

 

The premiums you pay for cover are fully tax deductible. You can also own cover either personally or through Superannuation.

 

There are a range of options, ancillary benefits and definitions that mean navigating the marketplace for a suitable policy can be daunting. It is important that you seek professional advice on the range of options available so that you end up with the policy that is right for you.

Property

Whether you are looking to buy your first (or 10th) investment property or a family home; we can advise you on the “why” and “how” of buying property. We can also help with advanced property investment strategies including commercial real estate and buying a property within a Self-Managed Superannuation Fund (SMSF). Learn more

Superannuation & SMSF

We start with an analysis of your current super, explain your numerous options and then work with you to tailor a long-term plan that’s right for you. Advice strategies can include a range of contributions, tax minimisation, cost reduction, super consolidation, performance maximisation and specialist SMSF options. Learn more

Retirement

Whether you are already retired, in transition or just planning ahead, we can help you make the most of your resources by helping you to formulate a tax-effective investment strategy that caters to your lifestyle needs; taking into account Centrelink eligibility and estate planning concerns. Learn more

Estate Planning

Ensuring that your wealth is transferred according to your wishes, in a smooth and tax-effective manner, is key to your peace of mind. We can help you to plan for your dependants with efficient tax and ownership structures, revision and monitoring of your estate plan and income planning. Learn more

Insurance

Building your wealth is just as important as protecting it. Illness, injury and death all have a significant impact on both your family and finances. We can help to make sure that you look after yourself and your loved ones with an assessment of your financial risk and implementation of a tailored risk-management package. Learn more

Lending

Whether you are seeking to refinance your existing loans or are looking at using new debt to fund either personal, business or investment goals, we can assist by assessing your borrowing capacity, advising on loan structures, shopping around for an appropriate lender and making sure you have access to the most competitive interest rates. Learn more

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