We have a diverse range of tailored strategies to suite for the individual needs, irrespective of the life’s milestone your at. Whether you are a young professional, small business owner, senior executive or approaching retirement years, we have a strategy which could apply to your needs.

Our Smart Super strategies will guide you towards your ideal retirement by:

• Maximising your super assets for stability.
• Establishing a flexible and adaptable plan that can cater for unexpected events
• Personalised investment strategies which will help you grow
• Maximising your tax effective strategies to ensure your superannuation growth
• Consolidating and maximising your superannuation for diversified strategies whereby having an element of risk
• awareness for that unexpected event
  

Investment Advice and Strategies

Each client has their own specific needs and therefore a plan must be tailored around this to ensure that the outcome achieves the specific objective for the individual. We aren’t all the same, so each plan is reviewed individually.

A plan must be adaptable for changing times, so we manage risk and review returns based on a dynamic model to allow for changing times due to the individual or the environment. All maximised for tax efficiency.

Our priority at heart is to guide and educate clients so that investments are based on emotional response, but rather calculated and strategic as a significant amount of loss is caused by emotion.

Our approach is that we work with you throughout the overall journey and if a plan requires attention we take action as our objective is that we inform, educate and ensure the journey remains as relaxed and strategic as possible.

Risk insurance is a key area to protect what you and your family have worked hard to build, so an appropriate risk insurance plan is important to have in place; whether through super our outside, to be the first line of defence as opposed to relying on say a sale of an asset to address the unforeseen event.

Whether its paying for general living expenses, mortgage, education or a significant amount of other financial commitments, a risk plan is something that will help remove the uncertainty.

When looking at Risk Insurance Plans, there are generally 2 types of policies one can subscribe to:

1 – Level premiums – These policies are generally more expensive and are recommended to be taken out as early as possible. As with any insurance, the greater the risk, the greater the cost, so with this in mind, the older we get the greater the cost. A Level Premium does not change in price as with a Stepped Premium. Level premiums may increase over time due to inflation (which you can opt out of) or changes to insurer’s fees, but these will be smaller increases than stepped premiums.

2 – Stepped premiums – A stepped premium will generally increase with your age, which generally will be at the anniversary of the policy. So the logic with these are, the older we get, the greater the need due to increased instances of ailments so therefore the greater the cost as we age.

Generally speaking, most people would see value in the Stepped Premium as it may be the cheaper option at inception, however, from a cost point of view over the life of coverage, its generally much harder to compete with from a pricing point of view if one subscribes to a Level Premium type risk policy due to the price somewhat being locked in.