Frequently Asked Questions (FAQ)
We know financial planning can feel overwhelming, so we’ve answered some of the most common questions our clients ask. If you have more questions, feel free to contact us directly we’re here to help.
Why do I need financial advice?
Financial advice helps you make informed decisions about your wealth, superannuation, insurance, and retirement. We create strategies tailored to your goals, helping you maximise opportunities while managing risks.
How do you charge for your services?
Our fees depend on the level of service required. We offer transparent pricing with no hidden costs, and in some cases, fees can be deducted from your superannuation. We’ll discuss all costs upfront, so you know exactly what to expect.
Do I need to meet in person, or can we do a virtual consultation?
We offer both in-person and virtual consultations for your convenience. Whether you prefer face-to-face meetings or an online discussion, we are flexible to accommodate your needs.
What types of insurance do you advise on?
We specialise in Life Insurance, Total and Permanent Disability (TPD) Insurance, Trauma Insurance, and Income Protection. We help you find the right cover, ensuring you and your family are protected.
Can you help with insurance claims?
Yes. We handle the claims process for you, liaising with insurers and ensuring you get the benefits you’re entitled to. Many of our clients have successfully received payouts with our assistance.
Can I pay for my insurance through my super?
Yes, many types of insurance can be funded through superannuation, reducing your out-of-pocket costs. However, we ensure that doing so aligns with your long-term retirement strategy.
How much super do I need to retire?
This depends on your lifestyle goals, expected expenses, and retirement timeframe. We provide personalised projections to ensure you have enough savings for a comfortable retirement.
What is a Transition to Retirement (TTR) strategy?
A TTR strategy allows you to access part of your super while still working, reducing tax and boosting your retirement savings. We can help determine if this is right for you.
Should I consolidate my super funds?
Consolidating super can reduce fees and simplify management, but it’s important to ensure you don’t lose valuable benefits, such as insurance cover. We assess your situation before recommending consolidation.
What investment options do you recommend?
We provide tailored advice on managed funds, shares, ETFs, fixed income, and diversified portfolios. Our recommendations are based on your risk profile, financial goals, and time horizon.
Should I invest in property or shares?
Both property and shares offer benefits and risks. The right choice depends on your financial goals, cash flow, risk tolerance, and long-term plans. We help you understand which strategy aligns with your objectives.
How can I reduce my tax while investing?
We implement strategies such as super contributions, negative gearing, franking credits, and tax-effective investment structures to help you minimise tax while growing wealth.
Do I need an estate plan?
Yes, estate planning ensures your assets are distributed according to your wishes and minimises tax and legal complications for your beneficiaries. We can guide you through wills, powers of attorney, and beneficiary nominations.