Financial Planning

 A financial planner or personal financial planner is a professional who prepares financial plans for people.

Financial planning covers all areas of the client’s financial needs and should result in the achievement of each of the client's goals as required.

The scope of planning covers the following:

  1. Risk Management and Insurance Planning
  2. Investment and Planning Issues
  3. Retirement Planning
  4. Tax Planning
  5. Estate Planning
  6. Cash Flow and Liability Management

Risk Management and Insurance Planning

Imagine what your family's life would be like if you or your partner died or became seriously ill and couldn't work. 

Would you be able to survive financially? 

Can you pay the mortgage and bring up your kids?

Insurance can provide the money that you or your family need in critical times. 

It may not take away the pain of losing a job or a loved one, but it will ease the added pain of financial problems.

The broad heading of Life Insurance covers a number of different types of cover:

Life Cover

 Life Cover is also known as term life insurance of death cover and supports your family with a lump sum payment if you die. 

Most superannuation funds provide some level of life cover although they don’t know how much and whether or not it enough. 

They also don’t regularly review their required level of life cover. lump sum payment if you die. 

Total Permanent Disability Cover (TPD)

 If you are totally and permanently disabled, Total and Permanent Disability Cover (TPD) pays a lump sum to cover the cost of such things as rehabilitation, debt repayments and the future cost of living. 

It is often bundled with Life Cover. 

Trauma Cover

 Trauma Cover or Critical Illness Cover provides a lump sum if you are diagnosed with a specified illness or injury (i.e. cancer or a stroke). 

These policies include the major illnesses or injuries that will make a significant impact on a person's life. 

Having protection can help keep your life on track financially while you deal with the process of recovery, and can help you afford access to the specialists and specialised treatments you may need. 

Income Protection

 Your ability to earn an income is a significant asset and income protection enables you to replace the income lost through your inability to work due to injury or sickness. 

Retirement Planning

 Australians are living longer and retiring earlier. 

This is good news, but it also shows how critical it is to plan for your retirement.

It is never too late to start planning, and the sooner you start, the easier it is.

Here are some important questions to consider if you are getting ready to retire.

  • How soon would you like to retire?
  • How much super do you have?
  • How many years of retirement do you need to plan for?

Remember you are the one who has worked hard to build your super savings and now it is time to make your money work for you in retirement. 

As a client, we can help you work out the best strategy for you to live comfortably in your retirement. 

Estate Planning

 While you may not want to think about making a Will or estate planning, after a lifetime of working hard and accumulating your wealth you will want to know that it is distributed according to your wishes. 

Knowing that your loved ones are taken care of after you die can be a great comfort.

Without adequate estate planning and a legal Will you can expose your family to risks and burdens, for example your Will being contested

 or your wishes not being legally enforced.

We can help you plan effectively for your Will and estate.



Superannuation is a long-term savings plan, which will provide you with an income when you retire. 

During your working life you make contributions to your super fund.

As contributions to your super fund and their earnings are generally taxed at a lower tax rate, this makes super one of the most tax-effective investment vehicles.

One of life’s most significant risks is the failure to accumulate enough wealth in your super to fund the retirement planning lifestyle you expect after a lifetime of hard work.

With all that is happening in financial markets as well as changes to government legislation when it comes to super, it is only natural to be looking for help to make sense of it all.

 A financial plan based on your goals and priorities puts you in control of your financial future and helps you create a secure and comfortable future