Before you can start saving you must recognise what you are actually saving for.

We can help you determine & provide your goals in both the short and long term – but more importantly, help answer your question of – HOW I GET THERE?

• Invest in super
  By investing in the tax-effective environment of super you can receive tax breaks on contributions and investment earnings.
   
• Invest in managed funds
  Investing in managed funds is a great way to start a savings plan – as it enables you to access investments that you would not normally be able to by yourself – ie: International Property, International Shares.
   
• Spouse account
  By opening a superannuation account for your low-income earning or non-working spouse, you may be entitled to a rebate on your personal tax.
   
• Borrow to invest
  By doing so you can either positively or negatively gear your investments.
  Positive gearing means the income from your investment is greater than the interest you pay on your loan.
  Negative gearing means the interest you pay on your loan is greater than the income you receive from your investment. This loss means you may be able to receive a tax deduction.
   
• Invest in shares that pay franked dividends
  You can then reduce the tax payable on dividends, while using the franking credits to reduce tax payable on other income.

We can help you identify what you can achieve in the short and longer term by helping you put together a plan for your financial future.

A financial plan will capture your goals and objectives and set out your priorities. These goals and objectives change throughout your life stages, so the plan must become a living document that is regularly reviewed.