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Navigating the intricacies of social security benefits (Centrelink) and aged care options can be a daunting task, particularly as individuals and families transition into their later years.

Social security forms a crucial component of retirement planning for many individuals, providing a safety net of income in later life. However, understanding the complexities of social security benefits, eligibility criteria, and claiming strategies can be challenging.

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We specialise in demystifying these intricacies, helping you maximize your entitlements and optimise your claiming strategies. By leveraging our expertise, you can navigate the social security landscape with confidence, ensuring that you receive the benefits you are entitled to and make the most of your retirement income.

In addition to social security, aged care advice services play a vital role in assisting individuals and families with planning for aged care needs. As individuals age, the prospect of needing aged care services, whether in-home care or residential care, becomes a reality for many. We provide comprehensive guidance on the full spectrum of aged care options, including assessment processes, funding options, accommodation choices, and legal considerations. By working closely together, we can develop personalised aged care plans that address your unique needs, preferences, and financial circumstances, ensuring access to high-quality care that supports your health, well-being, and independence in later life.

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In today’s aging population, where the need for social security benefits and aged care services is increasingly prevalent, the importance of expert advice cannot be overstated. By partnering with us, you and your family can navigate the complexities of later life with clarity, confidence, and peace of mind, ensuring that you enjoy a secure and fulfilling retirement while receiving the care and support you need.

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A budget is a plan that works our how you will manage your income and expenses. Maintaining a budget is a powerful way to control your money. 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 savings for your future, without impacting your everyday needs. We can assist you in not only putting a comprehensive budget in place but also monitoring it to ensure that it works for you and your family.
Insurance is a form of protection – a way to protect yourself and your family and the things you own if something goes wrong. Everybody’s circumstances are different, but insurance is important for everybody to consider. Your need for insurance will change as you move through stages of your life. There are many different types of insurance, and we can help you find the right level of insurance for your needs.
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 investment such as shares, property, and cash. Super 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 retirement savings. Contact us today to understand how we can assist you in making sure you have the right strategy in place for your retirement.
In simple terms, Gearing is borrowing money to invest. The investment could be in shares, managed investments, or property. Gearing is, in essence directed towards producing a larger investment return by using borrowed funds, in addition to your own funds, so that your financial goals can be achieved more quickly. Gearing can be used as part of an overall strategy to help build your wealth. It gives you greater potential to generate wealth because you have more money invested. However, Gearing should be considered carefully, as it can also increase the investment risk significantly. Contact us today to better understand if geared investment could work for you.

During your working life you receive regular income in the form of a salary or business income. In retirement this regular income stops, so you need to draw on your savings to meet your lifestyle costs. You rearrange your savings, so you still receive a regular payment, just like a salary. This is called a ‘retirement income stream’. The type of income stream you can start at retirement depends on whether your savings are inside or outside of super. Contact us today to help you demystify retirement and set up the right retirement income solution for you.

Transition to retirement or ‘TTR’ is a strategy that can help you reduce your working hours while maintaining the same level of income. This is achieved by drawing a ‘TTR’ income stream from super. Everyone who has reached ‘preservation age’ but still working and less than 65 years of age re eligible to commence a TTR income stream. To understand if you have reached your ‘preservation age’ and if a TTR strategy will work for you, book in an appointment with us now.

The Purpose of the Age Pension is to provide a basic level of income in retirement. It’s a fortnightly payment made by the government to help you meet the cost of living if your retirement savings are below a certain level. To be eligible for the Age Pension, you must be of Age Pension age and have current level of assets and income assessed to determine whether you can receive a payment.

Estate planning is about wealth succession – a way to help protect the wealth you have built over your lifetime, so that it is distributed according to your wishes following your death. You spend a large part of your life working to earn money to look after yourself, to provide for your family and to save for the future. Given the focus that is places on creating wealth while you are alive, it seems logical to want come control over what happens to these assets once you are gone. Contact us now to seek assistance with your ‘Will’. ‘Power of Attorney’, ‘Medical Directives’, ‘Death Benefit Nomination’ and other estate planning needs.