your local finance specialist in dubbo and surrounds

financial planning for every stage of life

Learn how we can help grow your wealth!

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TAILORED FINANCIAL PLANNING SERVICES TO SUIT YOUR NEEDS

Wealth creation through superannuation provides generous tax benefits and access to a wide range of product and investments. Let us ensure that your retirement wealth is held in quality products and investments, and that you have strategies in place to boost your fund balance, proving for a more comfortable retirement.

Whether you are looking to set up a new fund, receive advice and management over an existing fund, or are looking to close down a fund, we are able to provide personalised advice to meet your needs.

We can help you with retirement planning in a number of ways, from increasing your wealth leading up to retirement to figuring out how to make your money work best for you after you retire. We can also help you manage your income and assets during retirement so that you can enjoy yourself without having to worry about money.

With our cashflow and budgeting services we can help you track your spending, save towards your goals, help hold you accountable, or even just provide one place to view your entire financial situation so you know where you are at!

Debt management advice focuses on structuring and managing new and existing debt to ensure ‘good debt’ (tax-deductible) is utilised to its full potential, and ‘bad debt’ (non-deductible) is reduced or recycled (transformed from non-deductible to deductible debt).
Ensuring this structuring is done in the right way reduces the risk of ATO issues in the future and provides ongoing tax savings.

Something most people can agree on is that they want to pay less tax! We can provide advice on a range of products and strategies to help reduce your tax liabilities while also working towards your other goals, such as building your super.

We can help you make the right investment decisions from the start, or review your existing arrangements to ensure they are appropriate and on track to meet your goals. This includes but is not limited to building an emergency cash fund, utilising tax-effective investment bonds, purchasing investment properties, investing through Companies and Trusts or investing in a tax-effective way for your children’s future education.

While not the most exciting part of what we do, it is probably the most important! Everyone thinks the worst will never happen; however, it often does, and even the best financial plans will collapse without the right personal insurances in place. We are able to provide advice on the cover to protect you and your family in the event you were to pass away, become permanently disabled, suffer an illness such as cancer, or are unable to work for an extended period of time due to an ongoing illness or injury.

As a young family, you already have so many things on your plate – financial planning often gets neglected. Make sure you have appropriate strategies in place to provide you and your family with financial stability and protection now and in the future.

Are you a small business operator who wants to spend more time helping your client and less time working on the financial side of your business? We help our small business operators understand the financial aspects of running a small business. Frequent queries and assistance include should you be registered for GST, how much can you pay yourself, how to manage ongoing personal tax liabilities and GST payments, and what to do about superannuation.

Is making sure your funds are invested in line with your personal beliefs and values important to you? Our holistic Financial Adviser (who is a member of the Responsible Investment Association Australasia (RIAA)) can build a tailored portfolio of investments that align with your values and ensure that you are funds are supporting business practices that matter to you!

One of the most valuable gifts we can give our children is a good education. Whether this be for high school, or later trade and tertiary education, having the right plan in place early on will make the cost of education more manageable in the future.

Are you approaching Age Pension age, currently receiving a Centrelink of DVA Age Pension or Disability Support Pension (DSP), or only qualify for a part pension (or no pension at all)? Strategic advice around maximising social security benefits is an area where we regularly provide our clients with immense value!

While a specialist advice area, we can assist clients in navigating this complex and challenging system when considering options for their loved ones. We can provide advice on funding upfront and ongoing care costs, along with asset structuring to minimise fees while maximising cashflow.

We can provide advice on estate planning, often in conjunction with a qualified solicitor. This ensures that your documents are up to date and that your assets, insurance policies, and other strategies complement each other. This way, your estate will be passed to the people you wish in a tax-effective manner with options and flexibility for the beneficiary.

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Our Core Values

your finance specialist in dubbo and surrounds

Trust

Focus

Integrity

Excellence

Consistency

Team work

Resources

Money management Tools and resouRces from our financial advisers

Overwhelmed by the amount of information available out there regarding your finances, but not sure if it is reliable, up-to-date, or correct? Check out our resources page for a range of calculators, factsheets, and checklists, all of which have been reviewed or compiled by our expert Financial Advisers so you can feel confident you are using resources you can trust!

LATEST FINANCIAL INSIGHTS

The Wealth Affect makes the list of Top 3 Financial services Providers in Dubbo for 2023!

The Wealth Affect makes the list of Top 3 Financial services Providers in Dubbo for 2023!

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2023 Vanguard Index Chart: The real value of time

It’s that time of the year! Vanguard has released their new Index Chart

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The Wealth Affect nominated in 2023 Dubbo chamber Rhino Awards

The Wealth Affect is privileged to have been nominated in multiple categories for the 2023 Dubbo Chamber Rhino Awards!

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