frequently ASKED Questions

Navigating the complexities of the real estate market can be a daunting task. This is where a local buyer's agent comes into play, offering invaluable expertise and guidance throughout the home buying process.

An investment strategy is a documented plan that outlines how your SMSF will achieve its investment objectives while considering the fund's circumstances and the needs of its members. Contact us for expert advice today!

A Self-Managed Super Fund (SMSF) offers an unparalleled level of control and flexibility for managing retirement savings.

SMSFs offer a high degree of control and flexibility, they also come with significant responsibilities and risks.

While pure life insurance is straightforward, the other personal insurances may differ significantly from policy to policy.

It’s important to understand what is and isn’t covered by your insurance. This will be detailed in the Product Disclosure Statement, so it’s important to read and understand this.

For life and TPD cover, one rule of thumb is to work out how much is needed to pay off debts and provide for current and future family living expenses.

Your personal insurances should be reviewed whenever there is a major change in your personal situation.

Life Insurance, Total and permanent disability insurance (TPD), Critical illness insurance (Trauma), and Income protection insurance

The amount you can borrow depends on several factors, such as your income, expenses, assets, liabilities, credit history, and the lender's criteria.

A mortgage broker can save you time, money, and hassle by doing the legwork for you. We have access to a wide range of lenders and products, and can help you find the best deal for your situation.

A comparison rate is a tool that helps you compare the true cost of a loan. It includes the interest rate, fees, and charges, and expresses them as a single percentage.

A fixed interest rate means that your interest rate and repayments are locked in for a certain period, usually between one and five years.

The executor of a Will is responsible for carrying out the wishes of a person after they die.

A power of attorney (POA) is a document empowering a person (or persons) to act on your behalf (the Principal) with respect to your financial (and/or Medical/Personal) arrangements.

‍A guardian is responsible for the daily and long term care and welfare of your child and for making important lifestyle decisions on their behalf.

A Will is generally the most important document any person will sign and is at the centre of your estate plan.

Retirement is the stage of life when you stop working for income and rely on your savings, investments, and government benefits to support your living expenses.

Listed investments refer to financial instruments that are publicly traded on a stock exchange. These include shares, bonds, ETFs (Exchange-Traded Funds), and other securities.

The amount of superannuation you need to retire on $80,000 a year depends on several factors, such as your age, life expectancy, investment returns, and lifestyle choices.

The amount of superannuation you need to retire on $60,000 a year depends on several factors, such as your age, life expectancy, investment returns, and lifestyle choices.

The duration of $1 million in retirement depends on how much you spend, how much you earn, and how long you live.

Most Australians find a Financial Adviser through a referral from family, friends, or another professional such as an Accountant. This can be a good start but how do you know you've got a good one?

There are 2 main reasons for people to seek Financial Advice, these are: Retirement planning, and To optimize their finances.

In some cases, advice fees may be tax deductible, usually when linked to management of your investment portfolio. You will need to consult your accountant on the deductibility of fees.

You may be able to pay Financial Advice fees from your Super account depending on the nature of the advice as it relates to your Super.

We focus on proven investments such as Shares, Term Deposits, Managed Funds, Exchange Traded Funds (ETFs) and Property.

Everyone is different and I believe it's best to start with what you're currently spending.

A financial advisor’s role is to help you get the most out of your finances - helping you manage your budget, to recommending Superannuation funds and investments or creating a retirement plan for you.