Brief Descriptions of Products will appear here.












Retirement Planning

You have worked hard, saved superannuation and invested in other investments for your retirement, so it’s only natural that you’re concerned about keeping your money safe and making it last.

We can do all the right things – carefully plan our retirement, make sensible investment selections and manage our income needs. However we can’t control downturns in the investment markets, which history tells us are likely to occur from time to time.

If you are worried about downturns in the market and the impact it may have on your retirement savings, there are ways of putting your mind at ease.



Superannuation Advice

Allowing individuals to make the choice as to where their superannuation payments will be made is a contentious issue.  Legislation has passed allowing choice of funds to many employees from 1 July 2005. The employee has 28 days to make the choice.  If no choice was made, then the employer would make the decision as to which fund to make the payment to which is the default fund. 

Thus you are now in a position to set your superannuation fund up to enable you to have control and flexibility over investment decisions. Don’t be satisfied with a basic superannuation fund, you will need this at some point in the future, returns are important.


Property & Managed Investments Advice

Property: One of the most difficult things for investors when it comes to buying properties off-the-plan is knowing exactly what they are getting. A well-researched off-the-plan purchase should take into account a detailed analysis of the location (including future projections) the track record of the developer, comparative prices for similar properties, the types of inclusions and finishes, the design and suitability to target market. Let us help you by connecting you with Property experts.

Managed Investments: A portfolio should always have exposure to cash and fixed interest (liquids).  Your liquidity requirements will be met by establishing your holding account to facilitate regular savings.

With income investments such as fixed interest, property and especially growth investments such as Australian shares and international shares, we adopt the following portfolio construction process:

1.      We prefer the use of sector specialist fund managers to utilise their expertise in an individual asset sector.  This means that a combination of managers, who have been identified as excellent managers in a specific asset class, should provide a better overall return than that achieved by simply using the one manager to handle all asset classes.

2.      By choosing a combination of fund manager investment styles within that asset class, you are able to gain a greater level of diversification, giving greater opportunity for excellent performance in both rising and falling markets.


Gearing Strategies

A geared investment strategy involves borrowing to invest in income producing assets.  The interest payable on the loan can be offset against the income produced.  Where the interest paid exceeds the investment income, the investment is negatively geared.

The principle behind gearing is that the growth in the value of your investment, plus income, will exceed the costs of borrowing over time.  To achieve the necessary level of growth it is essential that selected funds have a strong likelihood of increasing in value over time.

The main attraction of “gearing” into growth assets, is the potential for higher returns on the investor’s own money than would normally be achieved without borrowing.  The higher returns are derived from a combination of (potential) capital gains and the tax deductibility of the interest payments.


Tax Effective Investments

For clients on the top marginal tax rate, whether that be from purely salaried income, capital gains on investments, or clients accumulating savings in company accounts wanting to reduce these savings, we may recommend an investment into an alternative asset class. These investments need to be commercially viable in there own right and supported by ATO product rulings and highly rated independent research.

These projects allow you to become a grower in the agribusiness sector i.e. “a commercial farmer”. Thus the reason for investing in these projects is to generate profits over the long term. However as a consequence of investing in these projects any interest on borrowings or expenses you pay to invest are deemed a business expense and then can be tax deductible in the year of investing. I.e. Current financial year.


Self Managed Superannuation Fund Advice

Do It Yourself (DIY) retirement incomes of Self Managed Super Funds (SMSF) are increasingly popular in Australia, with about 300,000 superannuation funds being self managed at the end of 2003. (Source: DIY Super -  It's Your Money, But Not Yet. ATO 2004)

Perhaps their popularity has been due to many Australians being keen to have:


Social Security Strategies

If you want to maximise your eligibility for the age pension, you might consider using retirement income stream investments that are treated favourable under the income and assets test.  An example of how this works follows:

Some retirement income stream investments are 50% exempt from the asset test, increasing your eligibility for the age pension. These products are known as ‘complying income streams’ and include:

Growth pensions are the newest retirement income stream investment available.  They combine the benefits of being 50% asset test exempt with the flexibility of controlling the underlying investments to take advantage of investing in growth assets – unlike other complying products.


Risk Management Advice

 Protection insurance encompasses income protection, critical illness and life (term life) cover.  Traditionally, self-employed professionals and small business owners have sought these products.  However, in reality, they are suited to anyone looking to protect themselves and their family from the immediate burden of debt due to illness, accident/disablement and loss of life, and to provide funds for future needs. Let’s take a closer look at the varying options:

Income Protection

If you are temporarily unable to work as a result of illness or accident, your expenses may continue even though your income may have decreased or ceased.  This type of cover can help you maintain your family’s quality of life during the period of your recovery.


Trauma insurance provides a lump sum if you suffer one of a series of specified critical medical conditions, including heart attack, stroke and cancer.  This type of cover is designed to help to meet the medical costs associated with a major illness.

Total and Permanent Disablement

Total and Permanent Disablement occurs when, through illness or accident, you are unable to return to your usual occupation.  That is, the type of work you are qualified by training, education and experience to perform.

Permanent disablement can result in a dramatic lifestyle change.  Expenses may increase, through medical and hospital costs, while income may decrease or cease.  This type of cover can help you meet your medical costs and maintain your family’s quality of life.


Death cover can minimise the financial disruption to your spouse and family in the event of your death.  This type of cover can help your family maintain its lifestyle and quality of housing as well as meet educational and other major expenses.