ADVICE | Getting smart about money

  • Saving for family events
  • Saving to buy a home
  • Holidays
  • Education
  • Investing

Savings goals for your short, medium and long term

A budget is a great place to start, it's a plan that works out how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money.

Do you need a budget? Well, a budget allows you to see how much money is coming in and going out. It helps you ensure there is enough money to cover your expenses and is an effective way to make sure you are not spending more than you can afford. More importantly, a budget can help you work out how much of your income you can put towards saving for your future without impacting your everyday needs.

Tax effectiveness

Taxation planning is an integral part of any financial plan, we will assess your current financial position and help you to decide how best to structure your affairs from a taxation perspective.

Together we will build a complete financial plan that ensures that your financial affairs are managed in the most effective manner possible.

Understanding your superannuation

Superannuation, or ‘super’, is a way to save money for your future. It is important to understand how much super you’ll need and how to best manage the money for your retirement.

Through super you can hold a wide range of investments such as shares, property and cash.

Super is attractive because it receives favourable tax treatment, both when you are working and once you have retired. The government offers these tax savings to encourage you to build your super assets.

Employers must pay super contributions on behalf of their employees. You can also choose to add money into super out of your own pocket. If you are self-employed, you can choose whether to contribute to super.