about

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Superannuation is complex and while the rules constantly change, it is likely that your superannuation savings  will provide much of your income in retirement.

However, it's one of those out of sight, out of mind things, and many will happily leave worrying about it to the last minute, closer to retirement.

With Aussies living longer than ever before, the sooner you make key decisions about your super will help you look forward, with confidence, to a better financial future.

Not all super funds are the same, so it is important to seek financial advice to look at the options across different funds and make choices that work for your own life stage and goals. 

If you’re not sure if you're on track for a comfortable retirement, let’s chat.

Whether you are coordinating retirement soon, or in the coming years, it's a big step and the sooner you start planning the better. 

 Most people aspire to have at least a ‘comfortable’ retirement. But what kind of annual income will you need to enjoy ‘comfortable’ by your standards? And how much does that mean you'll need at retirement? 

I can help you figure out how much money you will need for a comfortable retirement and what you need to do to get there at your desired age. 

I can also suggest strategies to give your super savings a last minute boost, as well as advising you on investments to help maximise your retirement income.

It is essential to protect your income earning ability and assets in case of the unexpected so before I build your financial future, I will protect your today by ensuring you have enough total and permanent disability, income protection and life insurance cover to protect you, your family, and/or your business.

I will work closely with you and provide expert advice  that will:

• compliment your financial plan, 
• tailor the right mix of cover, 
• take a holistic view, 
• structure the ownership in the most tax-effective manner, 
• identify the most suitable life insurance provider, 
• and review your needs regularly.

But most importantly, if you get hit by one of life's curve balls, timeliness and accuracy of claims management is critical. I have and will continue to support my clients throughout the entire claim process by providing  clear advice, support, and feedback every step of the way to ensure that claims that should be paid, are paid promptly.  

My life insurance advice has been tested and proven literally many 100's of times and have secured over $50 million in claim payments for my clients and their families over the last 17 years alone.

Do you know with certainty what will happen to your assets when you die? Who will make your financial, medical, and personal decisions if you can no longer make them for yourself?

Estate Planning is more than just simply making a Will. It involves creating the financial building blocks for the legacy that you wish to leave, including:

• sound investment and superannuation strategies
• personal risk assessment and appropriate insurances
• asset protection
• retirement planning
• aged care funding and strategies
• nomination of beneficiaries
• preparation of a Will
• appointment of an Executor of your Will
• determining the requirement for a Power of Attorney and identifying the most important person for this role
• establishing Guardianship for children, and
• establishment of Discretionary or Testamentary Trusts for appropriate financial management of your estate 

I will sit down with you, listen to your circumstances and intentions, then devise the best plan going forward to ensure your estate lands where you want it to. 

I am also proud to be aligned with several estate planning lawyers who can assist you with the preparation of your Will, and other documents.

Having an estate plan in place is important so you, and those close to you, will be prepared with peace of mind if something unexpected were to happen to you.

 Over the years, I have created some extensive network relationships that can help you with the following essential services:

• finance for a home, investment, motor vehicle, or business, 
• general insurance advice, 
• wills and other legal advice,
• preparation of legal documents, 
• accounting and taxation services,
• bookkeeping, 
• SMSF administration, 
• buying or selling a business, and
• buying a new or used car.

Please call me if you need any assistance with the above. 

I love supporting those businesses that support me so if you have a service that you believe would be of value to my clients, or vice versa, please contact me.