What We Do

Strategic planning is the allocation of your situation as the starting point, your goals and their intrinsic value to you as the finish line and the application of knowledge and insight to determine what strategies are available to you.

Planning is a fluid that changes both in the context of the goal and with time, “Planning is everything. The Plan is Nothing” Dwight D Eisenhower.

To that end advice is compartmentalised and can be as limited as Risk Management / Insurances only, to Retirement planning, Succession Planning, Estate Planning, Budget and Cash flow Analysis, Tax Planning and even lifestyle coaching.

For information on these areas of advice we encourage you to book in a complimentary consultation.

Investments range from simplistic to complex, the key being that if you are not able to understand an investment it is best to simply avoid it. All investments are designed with one simple idea in mind, that what you invest today should in the long term grow in today’s money. The more stable this investment is the lower this growth will be, until for assets that are considered “no risk” you may achieve almost no growth a great example of this is holding cash in the bank, In Australia with Government Guarantees this is incredibly safe, but most accounts will pay you less than 1% while inflation is targeted at between 2% to 3%.

Investing is an exercise of trade-offs, saving to invest is a trade-off of your current spending to your future spending. Taking on volatile investments offer higher growth in the long term, but forgoes security in the short term.

The act of investing is the act of identifying a goal and setting aside the resources required to achieve that goal.

Carrying on nicely from the retirement savings vehicle that is superannuation, cash flow and budgeting is predicated on two aspects:

Your income, your expenses and how these can be varied.

This area of planning is intricate and must always be considered in the scope of your goals with cash flow and budgeting representative of your capacity.

We encourage you to consider this area with a fine tooth comb, understanding how each line item impacts on your end outcome.

Planning ahead can sometimes mean planning for a future without you. Life insurance is a product that can protect your family and your dependents in the event of your death, and serves as a form of security against tragedy. With a good life insurance policy, chosen to match your life and your needs, you’ll be able to provide for your family’s financial wellbeing.

The reality is that staying alive is more expensive than death, not only have you lost the greatest asset that most of us have, your ability to apply your efforts to the creation of wealth, but you still need to eat, pay medical bills, and potentially your family still needed you to financially support them.

Total and Permanent Disability (TPD) is contrary to common sense more likely than death.

Trauma insurance provides a lump sum in the events of major predefined illnesses and accidents, such as but not limited to Cancers, Strokes, Heart Attacks and Paraplegia. The benefit of the cover is to alleviate financial stress at the time of incurring such a significant medical event. This can be used to provide a financial buffer, provide access to specialist care outside of health insurance, forward pay liabilities while you seek treatment.

Stability matters, and the future is never entirely certain. Even if you’ve built a successful career with a growing income, it’s important to plan for the unexpected and look ahead with a sense of security. Income protection is a form of insurance that allows you to receive a payout to replace your regular income and keep you financially safe in the event that you are unable to work for health reasons. Income protection policies across the market vary widely in terms of quality, policy definitions and pricing. Careful attention must always be given to product definitions this more so than any other insurance is true for income protection.

A superannuation is a structure through which you access a tax efficient environment for the purpose of self funding your retirement. The government established and encourages the superannuation environment in order to alleviate the expected burden on the Aged Pension system that comes with an aging population.

The intention was to continue increasing the percentage of Australian incomes that flowed to superannuation in order to allow the majority of Australians to self fund their retirement altogether, unfortunately over time this became a political issue and progress ceased along with the onset of stagnant Australian wages. Without planning the average Australian will at a contribution rate of 9.5% require 57 years to build up sufficient funds to replace their pre retirement income, if you start working at age 18 this means it will be age 75 before you can securely retire without the intervention of the Age Pension system. Given normal market conditions your savings would need to be at least 15% from age 18 to retire comfortably by age 65.