Managing my money

Budget planner

Helps you check where your money is going, if you are spending more than you can afford and makes sure that money is going towards your priorities. Start >

Savings goals calculator

Helps you work out what it will take to reach your savings goals and how long it will take you.
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Compound interest calculator

Helps you work out how much you can save with regular amount, how much do you need to save to reach your target and how your interest will compound. Start >

Income tax calculator

Find out how much tax you will pay on your employment income this year. Start >

Retirement

Retirement planner

Helps you check where your money is going, if you are spending more than you can afford and makes sure that money is going towards your priorities. Start >

Super and pension age calculator

Works out when you can access your super and get the age pension. Start >

Reverse mortgage calculator

Helps you work out how your debt builds over time, how much of your home will you own and how changes in interest rates and house prices will affect the equity in your home. Start >

Account-based pension calculator

Helps you find out how long your pension may last and if you can make it last longer with lower fees or a different investment option. Start >

Superannuation

Retirement planner

Helps you work out the income you’re likely when you retire, and you contributions, investment options, fees and retirement age may affect your retirement income. Start >

Super vs mortgage calculator

Helps you work out if you are better off putting spare money into your super or your mortgage. Start >

Govt. co-contributions calculator

Find out how much Government co-contribution you can get when you put extra into your super. Start >

Investing

Managed funds calculator

Help you to work out how much your managed fund could be worth in the future. Start >

Margin loan calculator

Helps you work out how the amount you borrow could affect your potential gains and losses, the risk of a margin call and how much money would you need to meet a margin call. Start >

 

 

 

Online calculators are provided by MoneySmart from ASIC, the Australian Securities and Investments Commission.

Information on this page does not consider your personal circumstances and is general advice only. You should not act on the information provided without first obtaining professional financial advice specific to your circumstances. Past performance is not a reliable indicator of future performance.

One of the most important things we do is help our clients enjoy the fruits of their labour. It’s not just about putting it all away for retirement. It’s also about having money for things to enjoy along the way. It could be a holiday, a new car, a boat, education, a wedding. You determine what’s important to you; our job is to help you get it.

There are several other very important ways we can help you enjoy your life:

  • Removing stress. Just knowing there is a professional looking out for you makes a huge difference. Knowing you have someone to help steer you clear of danger and also make sure you don’t miss out on opportunities is a great relief.
  • Resolving difficult issues. Couples and families can’t be expected to agree on everything, especially when there’s money involved. In these situations, having a professional third party on hand to provide an informed opinion can be a great help.
  • Giving you more free time. Staying on top of your financial affairs can soak up an awful lot of time. We don’t just do the headwork. We also do a lot of the leg work. And that frees up a great deal of time for our clients.
  • Peace of mind. Ask our clients what they love most about our service and one of the most popular answers is: “Just knowing I’ve got all my finances in order. Knowing I’m making the most of what I’ve got. It’s all sorted.”

We provide expert financial advice and reliable service to manage every aspect of your finances, at every stage of your life.

We all want to make the most of this life. And while that means different things to different people, money always has a role to play. We have the expertise, the experience and the resources to help you:

  • Start to invest – through mortgage and debt management, cash flow and investment strategies, income and budget planning, tax effective and government benefit friendly investments.
  • Grow your investments – we look beyond cash, fixed interest, property and shares to develop sensible investment strategies that fit your life and the things you want to achieve.
  • Protect your future - safeguard both your and your family’s financial future with appropriate insurance, estate planning and aged care financial advice.
  • Plan for retirement - whether your money is in super, investments, a self-managed super fund (SMSF), or your family business we can show you how to plan for the retirement you want.
  • Enjoy your money - our expert financial advisers can do the leg-work and the head-work for you. So you can get on with life, confident that the financial side of things is properly taken care of.

With the right advice and a helping hand, you can find both the time and the money to create and grow real wealth – and much more easily than you may have thought possible.

You don’t need to be wealthy to create wealth. Our clients are often amazed at how much money we can unearth for them. Money that can be invested rather than wasted.

There are seven main ways we help you see how you may do this:

  • Streamlining your finances. We can set things up to reduce or remove unnecessary fees and interest charges. We can make it easier for you to track and manage your expenditure to save you time and money.
  • Reducing your living expenses – without impacting your lifestyle, by helping with budgeting and cashflow.
  • Managing your debt and reducing the interest you pay.
  • Shrinking your tax bill - tax is probably one of your biggest expenses. Imagine if you could reduce it by five or even 10% by investing in tax efficient ways.
  • Getting your money to work for you – by committing to a regular investment program, getting the most out of your super, or making the most of tax efficient investments and the Centrelink and government benefits available to you.
  • Formulating a retirement plan – so that you plan to have the money to afford the retirement you choose.
  • Working with your other professional advisers – to create and put into place efficient structures and processes to create wealth from your business.

Great financial advice works like fertiliser for your money – multiplying your assets and accelerating growth. Our role is to create strategies that are right for you, and then help you implement them.

These strategies may include:

  • Investment strategies – portfolio construction and investment selection, tailored to your individual requirements and based on extensive research.
  • Superannuation strategies – to help you save for retirement and take full advantage of this tax-effective environment.
  • Gearing strategies – borrowing to invest is a powerful tool in skilled hands and can be extremely effective at super charging your investment.
  • Retirement income stream strategies – tax-effective strategies that can continue to grow your capital even in retirement.
  • Business optimisation strategies – helping you manage your business assets to increase their benefit to you personally.

We can’t protect you from misfortune – a serious accident or illness for example – but we can help you weather the storm if it strikes. How? In several ways:

  • Lifestyle protection insurance. By making sure you have the right kind of insurance cover and the right amount that is suitable for you. Depending on your individual situation and objectives, these may include life insurance, trauma insurance and income protection insurance.
  • Estate planning. Get it wrong and your loved ones could end up with a lot less than they should have, or be left fighting over your assets. Get it right and you can arrange the transfer of your assets with a smooth transition. We work closely with your lawyer and accountant to plan for your needs.
  • Aged care planning. Not something you’re likely to think about until later in life, but it’s far better to get it all sorted while you’re still hale and hearty. Then, if and when the time comes, you can make the transition with a minimum of fuss, and live somewhere you know you’ll be happy.
  • Business protection and succession planning. What if your business lost the services of a key person? Who will take over or buy your business and how can you get the most for it if you sell? These are all questions that need to be answered with a comprehensive plan based on expert advice and commercial experience.

With a successful protection strategy in place you’ll be able to maintain the lifestyle you’ve come to enjoy – come rain, hail or shine.

A successful retirement means different things to different people. But whether it’s quality time with loved ones, seeing the world, volunteering or spending more time in the garden, one thing is for sure – no one wants to spend their golden years stressed by financial concerns.

A bit of careful planning can help to eliminate the worry of not having enough to live on. Wherever you are on your road to retirement, it’s never too early to start planning. Even if you feel you’ve left things a little late, planning now can still make a real difference.

We can help. As retirement specialists, we can help you to understand and plan for key financial issues.

  • Superannuation - for most Australians, superannuation will be their biggest asset, aside from their home. We’ll explain the issues you need to consider and how to make your super work for you.
  • Investing – how to build an investment portfolio that’s right for you, which assets to invest in, and how to manage risk.
  • Centrelink and other Government benefits - we’ll guide you through the complex maze of pensions, allowances, allowance and benefits available from the Age Pension to Pension Concession Card and Seniors Health Card. We explain how to qualify for entitlements and choosing social security friendly investments.
  • Tax and retirement income strategies – how to choose between retirement investment options and the tax and social security implications. We can also help you to evaluate the different types of retirement income products available.

We can also help you understand other broader retirement issues, such as estate planning, accommodation options and planning for aged care.

We’ve been helping Australians plan their retirement since 1979 and over the years we have built up enough helpful hints and information to fill a small book. So that’s exactly what we’ve done. For your free copy of How to retire successfully, simply contact us today.