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At Wealth & Lifestyle, we develop tailored step-by-step financial strategies and help you make informed decisions about your money.

Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.

Super is a tax effective environment for your money. Both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.

Your employer must pay a proportion of your salary into a super fund. This is called the Superannuation Guarantee and it will be increased by 0.5% each year until it reaches 12% in 2025.

Life takes twists and turns that we can’t always see coming. That’s why it’s so important that we are prepared for life’s emergencies. You don’t want to leave it to chance.

An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family.

Having the right insurances in place can help protect your family and your income if the unexpected occurs.

Investing in financial markets is another great way to build your wealth and achieve both short and long term goals. There can be a lot to consider, but by getting advice from Wealth & Lifestyle Financial Planning, it doesn’t have to be as complicated as you think. We’ll help you:

Work out your financial and lifestyle goals – both short and long-term, and set some realistic timeframes around achieving them.
Determine how much you can afford to invest – by helping you work out your investment budget.
Understand the amount of risk involved – by determining your risk profile, explaining the different types of investment risk and the ways to minimise your risk exposure.

Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.

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.

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.

A self-managed super fund (SMSF) is a private super fund that you manage yourself, you put the money you would normally put in a retail or industry super fund into your own SMSF. You’re in charge – you make the investment decisions for the fund and you’re held responsible for complying with the super and tax laws.

While managing your superannuation independently may seem appealing, it involves a lot work and expertise and can come with some risk. That’s where we can help.

Please contact us to find out how we can assist you with your SMSF.

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.

The best financial strategies and options will depend on your specific circumstances, objectives and situation.

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In 15 minutes we can get to know you – your situation, goals and needs to see if we are the right fit to help you reach your potential.