Strategic Advice

At the core of all financial planning are the strategic decisions we all face regularly during our lives.  Decisions such as buying a new home, starting a business, when we can retire and when to pay down or to take up debt.  No matter how well we all plan life throws us curve balls from time to time that cause us to have to reassess our strategies.

We help you make these big decisions bringing our experience and knowledge to discuss the pros and cons, showing you the differences between acting now or later and how to best structure your finances.  It keeps you accountable and limits the stresses.

Scenario modelling and projections are tools which our advisers use to help developing strategic plans.  Some clients prefer the intricate details of tables and graphical representations of the potential future, others love flow charts or a simple explanation mapped out on a white board.

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Latest insights

A financial planner can provide advice on a whole range of financial matters you could be dealing with at different life stages. They can help you manage your debts, plan for retirement, save for your kids’ education and invest in assets, including property. Whether you’re buying your first home, starting a family, changing careers or planning for life after your kids leave the nest, financial planning can offer you all sorts of benefits..
At a time when both share and fixed interest volatility is heightened, it’s important to point out the importance of looking at the long term returns and riding out any short-term hiccups. It’s also worth noting that interest rates on cash are still very low, so while it’s a safer option compared to shares, it’s not necessarily a profitable one given the current inflationary environment. That’s where alternatives come in and why we often include them in our portfolios.
What is deeming? Services Australia (Centrelink) use “deeming” rules to work out income from your financial assets. The actual “deeming rate” (refer below) is the rate of income the government assumes a person's financial assets have earned. It forms a part of the income test for certain Centrelink payments, including the Age Pension. It can affect how much Age Pension a retiree receives.