Out with the old in 2024…
9th January 2024
Cash Flow & Debt Management
Borrowing money is easy these days and that’s why it’s even easier to get into debt. But, not all debt is bad debt. Having a debt management plan in place and understanding the different between good and bad debt could help you make better financial decisions.
Investments
If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but here are some basics to consider. Of course, we recommend you contact us before you start putting your money into any form of investment.
Wealth Protection
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.
Superannuation
So, you might need a lot more money for your retirement than you think. Unless you’re counting on a lotto win or growing your own personal money tree, super can help you enjoy your retired days by allowing you to maintain a good standard of living, which isn’t achievable by receiving just the Age Pension.
Self Managed Superannuation
While a Self Managed Superannuation Fund (SMSF) suits a small segment, it might be the perfect fit for you. We’re here to guide you—clarifying options, responsibilities, and costs. If navigating your super independently aligns with your goals, we’re ready to partner with you through setup and maintenance.
Estate Planning
Estate Planning gives you the peace of mind that the people you care about are looked after if something happens to you. You should consider estate planning if you have assets, whether it’s a house, superannuation, investments and/or a business. More than just a Will estate planning helps you arrange your assets so that your life savings end up in the right hands, at the right time.
Retirement Planning
Retirement means different things to different people. We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important. Putting money into super now can still be a tax effective way to invest your money for the future.
Aged Care
The financial issues of aged care are complex and you need to obtain an accurate understanding of the facts as they apply to you and your unique needs. Just getting a basic understanding of what forms to complete, when to complete them and where to send them can be a difficult path the navigate.