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CSCG

Financial Planning

What is Financial Planning?

Wealth creation is all about producing assets for you to enjoy now or in the future. Whether it be a holiday, purchase a home or for retirement. 

We get to know our client’s needs, wishes and desires and devise a financial plan to achieve those goals. We are guided by your risk profile in determining the investment assets that should form part of your portfolio. 

A number of strategies to assist with wealth creation including but not limited to: 

  • Cash Flow Planning and Budgeting
  • Savings Plans
  • Superannuation
  • Mortgage Reduction Planning
  • Transition to Retirement

We also take into consideration: 

  • Personal Insurance
  • Estate Planning
  • Risk Profile

Like other superannuation funds, SMSFs are a way for saving for your retirement. The main difference between an SMSF and other types of superfunds is that members of a SMSF are also the Trustees and therefore have more control over their superannuation investments.

However, with control comes responsibility. SMSFs are tax friendly structures and carry a high level of government regulation. We ensure all trustees comply with regulatory requirements to protect this concessionally taxed structure.

A TTR pension is a way of accessing your superannuation while you are still working. You must have reached your preservation age (between 55 and 60) to start TTR pension.

As you approach retirement you may like to reduce your working hours without taking a big cut in your pay. A TTR may be used to top up your employment income.  Some benefit may be:

  • Easing into retirement
  • Supplement employment income
  • Receive contributions, and
  • Pay less tax on income.

A TTR pension may also be used to maintain work hours and save tax in the lead up of your retirement.  Some benefits may be: 

  • Growing your super
  • Pay less tax on contributions, and
  • Pay less tax on income.

TTR is a flexible option that allows you to work longer and retire later and rewards you for staying in the workforce. We strongly suggest that you make an appointment to come and have a chat with us.

We work with you to develop, implement and monitor investment strategies that suit each individual investment goals, needs and circumstances.  The investment strategies that are recommended are designed to bring you peace of mind and financial security you seek for you and your family.

Your financial goals such as:

  • Children’s education
  • Asset protection
  • Portfolio diversification

Utilise a range of investment strategies such as:

  • Regular savings
  • SMSF
  • Retirement Planning
  • Estate planning, or
  • Insurance

The investment strategies we recommend utilise steps more appropriate to your particular circumstances.

We offer a wide range of personal insurance cover such as Life Cover, Total and Permanent Disability Cover, Income Protection and Trauma cover. We have relationships with a selection of providers so we can find the cover that is best suited for you.

We assist throughout the application process, ensuring that you get the best value and the best protection available.  We can also tailor the structure of your cover, whether inside or outside of super to best suit your circumstances.

There are a number of different options available to you to ensure your financial security should anything unfortunate happen to you. These may include, but not limited to:

  • Life cover
  • Total and Permanent Disability (TPD) cover
  • Income Protection (IP) cover
  • Business Insurance cover
  • Key Man insurance cover

Retirement is the time in your life that you get to relax and do the things you have always wanted to do.

Your super is your savings vehicle for retirement and will most likely form part of your retirement nest egg. With tax concessions that apply to super contributions and retirement income streams, with the right planning, you can save more and generate your own income even after you have stopped working.

The earlier you start planning, the more you can save and the longer you can take advantage of the tax benefits. This will help you make the most of the opportunities that are available and help you achieve financial security, reduce uncertainty and enjoy your retirement.

About CSCG

CSCG provides the depth and breadth of services available from any major accounting firm while providing the personal touch only a locally-owned firm can offer.

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