We take the opportunity upon first meeting with you to engage in a full review of all your financial and planning needs. We offer a holistic advice service that helps you look beyond your immediate needs and to plan for your financial future. We are a full-service, practice offering the following:
Anyone can benefit from professional, informed investment advice. If you are just getting started financially or if you don’t yet have any investment assets, we can show you how to get a savings plan going and how easy it can be to get your own investment portfolio off the ground.
As you grow your investments and your circumstances change, we can show you how to expand your plan to have a more sophisticated edge that targets specific goals. This is also an ideal time to look at protecting your wealth from the unexpected through simple insurance protection plans.
When retirement is on your horizon, our expertise can guide your investment plans to meet your changing needs. As earned income is replaced with investment income you will really see the benefit of the retirement plan you established years earlier. Our expertise in understanding investment opportunities to meet your financial goals at any life stage can give you the advantage you need to reach your goals sooner and more securely.
From the day you start work to the day you retire, superannuation contributions form the basis of a great financial plan. The favourable tax concessions on contributions and investment earnings make it an attractive structure for growing your wealth. When you are starting out, building your super contributions gives you a powerful way to take advantage of compounding returns.
As you move through your working life, you can look at more sophisticated strategies for accelerating your super through salary sacrificing or self-managed funds. In the approach to retirement, you can take further advantage from strategies that provide more tax benefits in the transition to retirement.
Our strategic advice can be an invaluable tool to help you identify the benefits available to you and position your investment strategy to securely build your superannuation portfolio.
Our Advisers are members of the SMSF Association and offer skilled advice in assisting you to make a decision regarding whether an SMSF is the right strategy for you. Whilst an SMSF does give you control over your financial future, but you do need to be able to manage the fund, keep up with changing legislation, understand the investment market and be aware of tax implications without the assistance of her adviser. This is where our service can help and is very proactive in communicating with our SMSF clients, including reminders about reviewing their SMSF strategy and investments.
Will your insurance cover yours and your family’s needs? This is an important consideration when seeking financial advice. Here at Allan Advisory Group, we will review your insurance needs as part of our service offering. Without the appropriate income protection plan in place and expert guidance from a financial adviser, a client’s outcome if the face of an accident or a big ‘life event’ may have an entirely different outcome.
At some point in our adult lives, we will be faced with our own 'big life' events. This might bean accident, illness, redundancy, or dealing with the death of a loved one. Your wealth protection plan may play a role in how you are able to deal with these life events.
Seeking financial advice can help you to create a tailored wealth protection strategy that is appropriate for you. There are different options for holding wealth protection cover inside and outside of super, so it does not need to make a big impact on your personal budget.
Retirement can be both a time for exciting new changes in your life and a time of uncertainty about how you will manage your income and expenses. You may be looking forward to spending more time on those things that you have dreamed of, such as travel, leisure pursuits and family time. But how will you plan your income flow and spending? How will you make sure you retain independence without running out of money?
Planning ahead is a way to maintain balance between your lifestyle and your financial resources - and the earlier you start the better. Perhaps more than any other stage in life, the decisions you make (or the ones you neglect) in planning your retirement years can make a huge difference to your retirement lifestyle.
Some experienced know-how on the complex issues surrounding retirement finances is where we can help. We can guide you through the social security, taxation and investment aspects and help you to reach your retirement goals.
Planning for your retirement future?
If you are in the 45 – 55 age bracket you might be at a point in your life where your income is getting higher, but your commitments and expenses are also greater. You might also be starting to plan for your future financial security. We can work with you to make the most of your investments and super to build towards your retirement whilst still affording your commitments and protecting your family. At this stage in your life, we can give you the sophisticated advice you need.
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Like us, some of our clients are small to medium sized business owners. They enjoy the freedom of running their own business, being their own boss and building relationships with their clients who value the service they provide. With hard work and careful planning, self-employment can bring financial and lifestyle rewards. But without the certainty of a regular income, being a small business owner requires support so you can grow and prosper.
As a financial adviser, we can discuss ways in which you can manage your cash flow, set aside money for tax, grow your retirement savings, protect your income, and set up a plan should you, or a business partner, exit the business for any reason.
Making decisions around aged care?
We all want to enjoy the best life has to offer, inevitably, we all get older and our needs and level of care change as we enter different phases of our life. Managing these changes can be stressful and emotional as we want to make good decisions for ourselves and those we care about.
If you or a loved one has reached the stage where some form of aged care is required, there are many things to consider.
As a professional financial adviser specialising in aged care, we can help you understand where to start. We can explain the types of care available, the costs, whether you need to consider selling the family home and how the age pension comes in to play. Aged care can be complex, and the rules and legislation are constantly evolving, but you don’t need to be overwhelmed. Some sound advice can help you understand your options and make a decision that is right for you and your loved ones.
Setting the foundation and building blocks for your financial future
If you are just starting out on your financial journey, perhaps you have started your first job and you want to make the most of your income and reduce debt, such as a HECS debt or personal loan.
We can help you establish a financial plan and a budget that addresses your investment, superannuation, and insurance advice needs, which are the building blocks of your financial future and still have fun!
Seeking specialist financial advice provide you with the opportunity to work with someone who can help you:
• review your financial situation
• understand cash flow and spending needs
• get organised and set a budget that allows for paying off debts with a bit left over
• establish realistic savings goals
• put savings, superannuation, and insurances plans in place, and
• stay in control, avoid the stress, and enjoy your life.
If you are ready for good financial advice, we can help you create a financial plan that's right for you. To get started give us a call today.
