Wealth Accumulation is the first key to a secure financial future. Wealth is traditionally thought of as being created by spending less than you earn, and to a large extent, that is true. Many don't understand what happens beyond that.
The building of wealth can be accelerated through accessing debt for investment purposes. This is called gearing. Interest is tax deductible, asset price movements are magnified (including falls in asset prices) and leverAging into Australian shares has the benefit of franked dividends.
Asset allocation is historically proven to be responsible for out-performance, not stock selection. After assessing your financial circumstances we can provide recommendations for a suitable asset allocation (or investment strategy) as well as other strategies, including gearing and direct investment into Australian shares for example.
We have partnered with some of Australia's biggest share brokerage firms to provide us with extensive research on Australian companies and their shares.
Contact Us to discuss how we can provide specific recommendations to suit you.
Wealth Protection, or Life Insurance, can often be a difficult topic to discuss for a lot of people, which is why in Australia there is a major under-insurance problem.
Put simply, most people would say that their health and income is more important than their car, yet far fewer have gone to the trouble of insuring their health or their income even though their car has the maximum protection available.
Insurance is about protecting your income, your wealth and your lifestyle.
The bottom line is this... if you rely on your income to survive, have regular loan repayments, a life-partner, children or any financial dependents or obligations you should have insurance.
To determine how much protection is right for you and which products are appropriate Contact Us.
Superannuation is the most tax effective investment vehicle available to Australian residents. If you're not 100% certain that you're making the most of your superannuation or you are not sure of how to do this you should definitely be seeking advice.
If you would like more control over your investments, greater investment options, improved control over tax events and it is suitable to your overall situation we can establish for you your very own Self Managed Superannuation Fund.
Contact Us now to find out how you can take better advantage of your superannuation.
Retirement Planning, when should you start? The right answer is NOW!
Low income earners and new entrants to the work force can assist their retirement plans by taking advantage of a number of strategies. While retirement may be some time away planning today will result in a greater outcome in the future.
Higher income earners and mature members of the work force have substantial benefits to gain from implementing appropriate transition to retirement strategies or even structuring their redundancy payments in a particular fashion.
Already retired? Superannuation is still important and you can make changes to improve your financial security.
Whether retirement is at the forefront of your mind or it is important enough to you to make sure you don't miss out on any advantage you could be gaining today, Contact Us now for a free consultation.
Estate Planning takes into consideration two important goals:
Ensuring the benefit of your financial assets is passed on to those you intend to receive them; and
Structuring the transition of those financial assets in the most tax effective manner.
There are many issues involved in achieving the above goals including the appropriate use of Testamentary Trusts, Binding Death Benefit Nominations, Reversionary status of pensions and more.
Contact Us to make sure you know where your money is really going.
Lending & Finance
How our finance brokers can help you:
To make sure your debt obligations are appropriately structured to better help you achieve your financial goals Contact Us.
Cash flow Management is often overlooked in the planning process. Most simply, this is the physical delivery of a budget plan.
We can help implement practical solutions that assist you in making regular savings without restricting your lifestyle or imposing any additional administration burden.
The benefit of not exceeding your budgeted expenditure and therefore being able to make regular contributions to your savings/investment is greatest in the long-term impact of compounding.
Contact Us to learn more about how an appropriate cash flow management plan can help accelerate or preserve your accumulated wealth.
Click Here for our Financial Services Guide (FSG)
Anthony Caneva - Authorised Representative No. 342761
Australian Unity Financial Planning Limited (ABN 26 098 725 145)
Australian Financial Services Licence No. 234459
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