Financial Advice

Financial Strategies for Growing and
Protecting Wealth for your Peace of Mind.

glasses lying on the calculations


Save tax and maximise your potential returns.

For many working Australians, superannuation can be an effective way to secure their future financial lifestyle. It’s important to regularly review your superannuation fund and your level of contributions to ensure you are on track to help you reach your retirement objectives. The more extensive your goals, the more super you are likely to need. So it’s important to know how to take advantage of the chance to optimise your future lifestyle.

It is never too late to take control of your super. As the rules can be complex, it is important to get professional financial advice to ensure you make the most of your superannuation opportunity.

Contact us to find out how to maximise your super.

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Protecting Wealth

Protect your loved ones, your lifestyle and your greatest financial asset, your ability to generate an income.

While many people insure their home, car and possessions, it is even more important to make sure your family and lifestyle are protected from financial misfortune. Without a regular income, it can be a challenge just paying for everyday household expenses like groceries and power bills, while ongoing mortgage repayments or school fees can quickly eat away any savings. Worse still, if you’re self-employed and can’t work because you’re ill or disabled, you could be faced with the added pressure of the business bills continuing.

The good news is that we can use risk insurance to structure a total financial protection package for you to protect against loss of income, disablement, serious illness and death.

While car and home insurance are relatively straightforward, personal risk cover can be complex, with many different options and levels of cover to choose from. We can help you decide which cover is right for you and what issues you need to consider.

Contact us to learn how we can help you safeguard your financial future.

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Enhancing Wealth

Make smart decisions to successfully grow your wealth.

Investing can build enough wealth to provide financial security and a comfortable lifestyle, but determining the best personal approach can be complex. There are so many options to choose from, it is important that you have the right professional advice.

Your Financial Plan

It’s often said that you can’t meet you goals without a plan and your finances are no different. Formulating a financial plan with your financial adviser can provide you with direction and a disciplined approach.

What do you want to achieve and by when?

Many people find it easier to identify goals of up to five years’ time such as buying a bigger home, acquiring an investment property or saving for your children’s education. Long-term goals of more than five years may be less precise but should be reviewed regularly to respond to changing markets, government legislation and your own personal situation.

A Key Asset Group financial adviser can help build you a financial plan that suits your individual financial and life goals.

Please contact us via phone for an initial consultation to put you on the right path.

Financial Plan

Retirement Planning

Start planning now and retire when you choose with the lifestyle you want.

Thanks to our high standard of living and medical advances, Australians are living longer than ever before. A male retiring at age 60 will likely spend around 22 years in retirement and a female 26 years*. While this is good news, being able to enjoy such a lengthy retirement may cost more than you think.

According to the Association of Superannuation Funds of Australia (ASFA), an individual seeking a comfortable lifestyle needs a yearly income of $40,297 (after tax) ^. That requires savings of $533,088 at retirement to provide this level of income for the next 20 years +.

Planning ahead

When we draw up a plan, we conduct in-depth analysis to learn about you and understand your current situation and goals so we can present you with the most appropriate options to suit you in retirement.

We can discuss your ideal retirement lifestyle and when you’d like to stop working. We can also help you work out how much income you might need in retirement and gain an understanding of the types of investments and risks you are comfortable with.

Whether you are approaching retirement or still a few years away, it’s important that you understand all of the options available to suit you and your ideal retirement.

Start planning now

A Key Asset Group financial adviser can help you make sure you are as ready as you can be, so you can look forward to a comfortable retirement.

Contact us to see how we can help you plan a successful retirement.

*Australian Government Actuary, Australian Life tables 2005-07.
^Westpac ASFA Retirement Standard, Comfortable lifestyle, Single March 2012.
+Colonial First State. May 2012. Assumptions earnings 7.7% with inflation at 3% paid via an indexed pension and net of all fees and taxes.

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Transferring Wealth

A key concern of successful investors is how to effectively transfer their wealth to the next generation. There are a myriad of tax, legal and personal issues involved in estate planning and wealth transfer. We work closely with you to gain a deep understanding of your objectives so that you can achieve your desired outcome with minimal risk.

Sound estate planning can ensure that your affairs are managed by someone you trust, your assets are transferred according to your wishes, and any tax liabilities are minimised.

As you might expect, estate planning involves legal as well as financial specialists. Whilst a solicitor can take care of the legal aspects of your will, we can look at your total estate planning and wealth transfer strategy and help you with a broad range of issues such as funding and protecting your estate, avoiding challenges to your will, and minimising tax.

Contact us for an initial discussion on your estate planning needs.

All Personal Financial Planning advice is provided by Key Asset Group as an authorised representative of Financial Wisdom Limited ABN 70 006 646 108 AFSL No 231138. Please refer to the Financial Services Guide (FSG) for the scope of my authority under Financial Wisdom. Financial Wisdom is not affiliated with nor does it endorse other business activities conducted Key Asset Group. Click here for FSG.