Taking control

A budget forms the basis of your financial plan and is essential to take control of your money. Anyone can benefit from a quick look at their cash flow no matter where you are on your financial journey. Whether you’re living paycheque to paycheque or comfortable with your spending it can be helpful to break down your spending and find out where your money is going. You may find that there are small changes that can make your spending more effective.

Simplifying your options

Depending on your situation, you’ll have a variety of financial decisions to make. Some decisions are simple, whereas others like buying a home may need more thought. Trying to figure out how this change can affect the rest of your finances including your budget, tax position, benefit eligibility and insurance requirements can be challenging. Discussing these changes with us can help you to prevent unexpected problems.

Setting achievable goals

Your goals will be unique to your needs and allow you to have a clearer financial lens to look through. It’s about making sure your everyday choices align with what is important to you. At Pinnacle Wealth Partners we can assist you with setting a series of specific and realistic goals that are achievable both now and in the future. Our goal is to help you feel in control of your financial journey and give you the tools to make faster, smarter money decisions.

Your portfolio

In a one-on-one meeting, we will discuss your financial needs to determine your goals and outline a custom solution to point you in the direction of financial independence. Whether you’re looking to maximise your super or have inherited or saved some money our process begins with you.

Your investment options

Once we have an understanding of your financial situation, we can outline investment options. Our team considers the full range of investments available on the market before providing you with recommendations. Remember, the choice is yours so if you’re unsure or would like more information we can workshop a plan that suits you.

Our support

We provide regular reviews to optimise your portfolio and to check in with you to ensure that your investments still match your short and long-term goals. Regular communication is key to having a consistent, long-term strategy when investing.

Your future

We recognise that it is a priority to maximise your investment returns. It is also important to protect against the things you can’t control. Insurance meets this defensive portion of your financial plan. We can assist with the cost of insurance and find you a sustainable level of cover that won’t prevent you from reaching your goals.

Simplifying the process

The insurance world is full of fine print and confusing definitions. Terms like stepped premiums, TPD, critical illness are a few terms you may or may not be familiar with and navigating these by yourself can really test your patience. We simplify the process to work out what is relevant to you so there are no unexpected surprises if you ever need to make a claim. We continue to work with you throughout the policy to ensure it remains competitive and relevant to your needs.

Combining your tax and investment strategy

The decisions you make can have a big impact on the tax you pay. Careful consideration of potential tax implications is an essential part of the recommendations we make. We will work closely with your accountant to make sure your finances stay as tax effective as possible to minimise your tax bill.

Start now

The earlier you develop a strategy, the better. Retirement can seem like a long way away, but your current decisions have a huge impact on where you end up financially in retirement. If you’re closer to retirement and unsure of your options, consider reaching out so that we can assess your financial needs and goals. Take the time to make long-term decisions, now.

Your super

We know the super system like the back of our hands and can recommend strategies that ensure you’re taking full advantage of what super has to offer. Superannuation provides you with the biggest opportunity to save for your retirement. This can involve complex decisions and this, unfortunately, leads to Australian’s ignoring their super and not planning for their future.

Retirement on your terms

We can’t control the market, however, at Pinnacle Wealth Partners we can help you design a strategy that minimises risks and help you to retire on your own terms. As you approach retirement, big decisions need to be made that require careful planning.

Structure is vital

Ensuring that your family will be looked after when you are gone is a priority for many Australians. Preparing your will is a great place to start but this can be difficult and confusing. Our advice will ensure that your estate is structured correctly and works in the best interests of your beneficiaries. We take into account all relevant tax laws, asset structure and relevant legal representatives to ensure that your family can avoid any unwelcome surprises.