Financial planning is about developing strategies to help you manage your financial affairs and meet your life goals – and the first step is to make sure you have access to the right advice. Working with a professional financial planner can give you confidence and peace of mind that your financial future is secure.
Referred Advisory can untangle the often confusing elements of financial management and work with you to develop strategies for a better ‘whole of life’ plan. Your RA adviser will propose easy to understand options that will balance your immediate financial priorities, future life-phase priorities, and retirement objectives. Referred Advisory’s expertise and experience, together with our focus on tailoring solutions to every individual’s unique situation ensures a plain speaking, stress free partnership, and superior financial outcomes.
The Super Guarantee has given many Australians a fantastic opportunity to build a retirement nest egg, but is your current superannuation arrangement a good match for your present circumstances?
Retirement Planning is not set and forget. At different times of our life and as the general economic environment fluctuates, adjusting our Superannuation strategies can make significant difference to your retirement lifestyle.
Once you enter the retirement phase, managing your finances introduces a wholly different set of priorities. and having an experienced adviser can make the world of difference.
Referred Advisory can guide you through these complexities, providing sound advice on making changes and adjustments as your personal situation changes, to make sure your retirement, financially, can be the best that it can be.
A Self Managed Superannuation Fund (SMSF) is not for everyone but may be an attractive option for certain investors. An SMSF may save costs and can provide opportunities for investing in assets not accessible through mainstream retirement products, such as direct property purchases. However, setting up and maintaining an SMSF can be complicated and errors and oversights can seriously affect your financial situation and retirement plans.
Is an SMSF right for you? RA advisers are accredited SMSF Specialists. We can help you decide if a Self Managed Superannuation Fund is right for your circumstances.
Superannuation is an ideal way to create a valuable, tax effective, long term asset base for retirement. For those wishing to build wealth for more immediate purposes, Referred Advisory can facilitate non-superannuation investments such as direct equities, exchange traded funds and unit trusts.
Australian taxation legislation provides a range of support for investors. These regulations and policies are extremely complex and continually changing.
Referred Advisory always considers tax reduction strategies in any proposal and can demonstrate the differing taxation implications for alternative options.
Nothing in life is certain. Astute and esteemed companies can fold, stock markets can waver, pandemics can hit, accidents can happen. Risk management is essential.
Referred Advisory can recommend risk aversion strategies for your investment profiles, as well as a range of personal life insurances to guard against unexpected circumstances.
Although most benefits are subject to asset and/or income tests, having Superannuation accounts or other investments does not necessarily disqualify a person from access to the social security system. RA advisers are fully conversant with the current social security legislation and strategies. We can review a client’s circumstances, give guidance on apparent eligibility, and assist with applications and communication with Centrelink.
Comprehensive financial advice can sometimes also need input from Legal, Taxation, Estate Planning and Aged Care specialists. Where necessary Referred Advisory can recommend specialists in these areas.
Please note: Referred Advisory does not accept any financial benefits from any referral partners.
