Products and services

We tailor our services to your needs, protecting and accumulating wealth to meet your lifestyle goals. We can also help manage the practical implementation of your plan from reconfiguring your superannuation and insurances, to navigating Centrelink.

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Cashflow Management

Cashflow management

Basic? Yes, but also essential.

Efficient management of your cashflow is integral to a wealth accumulation strategy. And yet only 5% of Australians have a savings plan to achieve their financial goals.

To effectively manage your cashflow, you need to know how you’re currently spending your money. To do this we work with you and our budget planning tools to facilitate a clearer picture of your current income and where it goes.

People are often surprised by the outcome of this simple consolidation exercise. Not realising that they are spending so much money in a particular area. Invariably, this process and the knowledge that comes with it is confronting, but also empowering. With awareness of where you’re spending, you’re able to mindfully prioritise in accordance with your values and goals.

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Superannuation strategies and retirement planning

Superannuation strategies & retirement planning

The earlier you get advice on your superannuation and broader retirement planning the better, as you’ll have the opportunity to influence the lifestyle that you’ll be afforded in your retirement.

SFS can guide you through the complex, and constantly changing landscape of superannuation legislation so that you can maximise your retirement benefits. The advice we provide on your superannuation is offered in context of your overall financial situation.

SFS can project your annual income and expenses to provide clarity and assist you with budgeting and working towards achieving your lifestyle goals. Protecting your assets for future generations, through Estate Planning, should also be considered.

Ultimately, you’ll have a clearer view of your current and future financial position including an indication of annual income and an understanding of how long your savings will last in retirement.

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Savings strategies and debt management

Savings strategies & debt management

We’re taught from a young age to ‘save for a rainy day’. Having cash put aside for unknown expenses as well as providing the ability to make lifestyle decisions, all stems from the habitual behaviour of putting money aside consistently.

At Strategic Financial Solutions, we take the same approach. A savings plan plays a key role in the overall success of your financial plan to accumulating wealth and financial security.

To get started, we advise on four simple steps to get your savings plan on the right track:

  • Write down your savings goals. A new car, dream house, overseas holiday.
  • Work out how much you need to save to achieve each of those targets - be realistic and adjust your goals accordingly. It can be tough but you’re only setting yourself up for failure if you’re not honest about what you can actually achieve.
  • Write down your savings goals. A new car, dream house, overseas holiday.
  • Finally, set up a high interest savings account - have your employer deposit your savings commitment directly into this account or set up regular payments yourself.

Now that you've made a start, congratulate yourself. You are one of just 5% of the population who have planned to save to achieve their goals.

We have plenty more ways to help you get on track and set up a savings plan that will benefit you now and well into your future.

Debt Management

Strange as it may seem, we see debt as an opportunity. Many people don’t realise that debt can actually be a useful tool to achieve your financial goals. SFS can help you properly use debt to create wealth and minimise tax.

We understand investors can be nervous using debt or gearing to expand and diversify an investment portfolio. That’s why we carefully review your debt position, work with you to establish a debt strategy and work with your debt providers to structure that debt correctly.

SFS can also review your current debt situation to enhance your investment opportunities or ensure you have an optimised tax position.

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Tax planning and redundancy advice

Tax planning & redundancy advice

To help minimise how much tax you are paying, our advice focuses on tax minimisation strategies and utilises opportunities in the tax system to make the most of your financial plans.

Key areas covered by these strategies include:

  • Your Superannuation contributions
  • Implementation of tax effective accumulation and income distribution strategies – these may utilise trusts including self-managed superannuation funds
  • Deductible expense strategies including borrowing for investment
  • Management of Capital Gains Tax liabilities
  • Gifting of assets, which can also impact Centrelink entitlements.

Redundancy Advice

Life can present unexpected situations. Separations, death, promotions, pregnancy, inheritance. Navigating these sudden and life changing moments can be overwhelming, especially with no warning. Being made redundant, is no exception. Many people find themselves ticking along with life and their career for several years and then suddenly they’re unemployed and not sure what’s next.

But within this moment, there can also be positive financial opportunities, especially if you receive a significant redundancy package. Many people often see this as small ‘lottery’ win that they don’t want to waste. Knowing the best way to look after this money can require expert advice.

At SFS, we’re the experts who can help. A number of us lived through the 1991 recession. We’ve helped several clients - from almost three decades back - translate sudden unemployment and subsequent income into long term investments that have provided financial security and stability for their future.

So, if you find yourself in this situation, call us. We deliver advice with empathy, clarity and years of experience. So you can rest, assured your money will be protected.

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Investment strategies

Investment strategies

Investing without a clear strategy is a strategy to potentially lose it all.

Whether investing for income, growth, or both, we ensure that your assets are invested in accordance with your risk profile. We do this through four essential steps to ensure your goals are achieved:

  • Determine your attitude towards inflation, taxation, income growth, involvement in the investment process, and estate needs.
  • Determine your investment time horizon across short, medium or long term.
  • Determine your "tolerance to risk" from conservative through to aggressive.
  • Develop a tailored investment strategy that accurately reflects your personal needs and goals, and the content and structure of your current assets and investments.
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Risk management and personal insurances

Risk management & personal insurances

Even the most thought through and detailed plan can still have the risk of changing direction. It’s the same for building wealth. A clear, tangible strategy to protect you and your family when things don’t go to plan is critical. At SFS, we provide solutions to cost effectively protect your existing financial resources so that your planning objectives are not derailed.

These strategies may include implementing insurance options such as life insurance, income protection and trauma cover, depending on your personal situation.

Investment strategies also come with risk. We will look at your tolerance for investment risk - how you behave around money including your desire for certainty and capital preservation. We use the appropriate risk management strategies when constructing your investment portfolio taking into account both your personal tolerance for risk and your desired investment outcomes.

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Estate planning

Estate planning

Knowing your lifetime of hard work and assets are being looked after when you’re gone provides great peace of mind. It can be a difficult topic, but Estate Planning is incredibly important if you want to ensure your wealth is passed on as you would like, following your death. At SFS, we look at inheritance planning, life insurance, superannuation and tax implications to ensure your wealth is protected according to your intentions.

Estate planning also ensures that when you die, or become unable to manage your affairs personally, that those who have responsibility for you and your assets know what you want them to do and can ensure your wishes are followed through.

There are two aspects to estate planning:

  • The provision of power to those who will look after you in the case of incapacity - examples of such powers include medical, lifestyle and financial.
  • Your Will - these can sometimes be simple but in today's world of blended families, there can often be complications. Those with substantial assets may need to consider trusts within their Wills.

The assistance of an experienced estate planning professional is essential. But before engaging your chosen legal counsel, your Strategic Financial Solutions adviser can assist with putting your Estate plan together. We will help you to clearly capture your intentions and discuss your options with you. We can then outline all requirements, so a Solicitor simply needs to implement the plan, saving you time and money.

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Aged care and government support

Aged care & government support

Transitioning yourself or a family member to Aged Care can be a stressful time when decisions need to be made quickly and often under a lot of pressure. With expertise in the legislation and regulations around the available government support, we can help you prepare in advance and ease the transition into residential Aged Care when it becomes necessary.

Our team will advise you on the financial implications of various decisions to help you make the most appropriate choice including making the most of the government support that is available to you.

cashflow management

Cashflow management

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superannuation strategies and retirement planning

Superannuation strategies & retirement planning

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savings strategies and debt management

Savings strategies & debt management

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tax planning and redundancy advice

Tax planning & redundancy advice

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investment strategies

Investment strategies

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risk management and personal insurances

Risk management & personal insurances

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risk management and personal insurances

Estate planning

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aged care and government support

Aged care & government support

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