Financial Planning

We offer you a wide range of services to assist you in planning towards achieving your financial goals. We are committed to providing you with the highest level of advice by offering you a complete and tailored solution to your needs.

We encourage a two-way open communication which requires you to share information about your current situation, regarding all aspects of your life. This includes but is not limited to your current family responsibilities, physical health, financial situation, career and any other matters which may assist us in building an accurate reflection of how your life is right now. An important part of this discussion will be the sharing of any goals or aspirations you would like to achieve as this will help determine the type of advice you are seeking or require.

We are qualified and experienced to advise you in the following areas:

Accumulation and Protection

Superannuation Strategies

Selecting the most appropriate investment mix, contributing the right amount and deciding when to commence an income stream … just a few of the issues which need to be considered when establishing your super strategy.

Investment Strategies and Advice

Your goals guide our efforts. During a series of conversations and meetings, we gain an understanding of your financial goals, your comfort level with market risk and overall investment experience. Armed with that knowledge, we develop an appropriate investment strategy to help achieve your goals. As the market or your goals change, we may make changes to your portfolio and/or your investment plan.

Direct Share Investment

We position our portfolios in such a way that we have the functionality to purchase and sell direct shares on behalf of our clients, should you wish to hold these as part of your investment plan.

Insurances

We often think that life is forever and that bad things always happen to other people. It’s a funny thing; “other people” are thinking the same thing. Assessing your current risks – mortgage, loans, school fees, loss of income, potential sickness, property, valuables etc, is the first step. It is then a case of comparing your current insurance arrangements with what is appropriate and then addressing any shortfall.

Asset Allocation

With the wide choice of investment options available today, how do you know which is the right strategy for you? It is our role to understand, identify and educate you on the best ways to structure your portfolio to maximise returns and minimise exposure to market risk.

Financial Structures

Maximise your financial outcomes and achieve your financial and lifestyle goals by taking action early and restructuring your current financial arrangements. We specialise in developing a long term strategy that maximises your current position and provides the best structure for achieving the future financial outcomes and lifestyle you desire.

Self-Managed Super Funds (SMSF’s)

For those with larger superannuation fund balances, who want to take greater control of their money, or whose investing preferences fit outside the “mainstream”, we can assist you in both establishing, maintaining and investing within your self-managed super fund.

Cashflow Management

Managing cash flow effectively is essential to any financial plan. Whether you are seeking to actively grow your wealth through tactical investment strategies or planning for retirement, we can help you effectively manage your cash flow in order to meet your financial goals.

Retirement and Wealth

Tax Strategies for Retirement

By the time retirement is reached, most of us will have paid a significant amount in tax over our working lives. Therefore, you owe it to yourself to structure your affairs to minimise (or eliminate) tax once you stop working. Fortunately, there is enormous scope to manage your tax position in retirement.

Centrelink

For most people today, retirement planning involves getting at least a part Age Pension. Structuring your finances to maximise your entitlement is important, along with keeping Centrelink updated on a regular basis. A comprehensive plan, involving ongoing reviews can guarantee peace of mind, whilst also keeping you on the right side of the law.

Aged Care

When looking into the financial elements associated with planning for aged care, there is a lot of information out there which can be confusing. With this in mind, it is important to have your questions answered by those who are experts in the aged care industry. We will look at your unique situation and advise you on your options. Things to consider may be superannuation, pension, existing assets and liabilities, banking, investments as well as Centrelink benefits which you may be eligible to receive.

Matrix Norwest, is a Corporate Authorised Representative to provide financial advice services only under Matrix Planning Solutions Limited (Matrix) ABN 45 087 470 200, AFSL & ACL No. 238256. All other services are not the responsibility of, nor endorsed by Matrix and this includes related services provided by referral partners or associated professionals.

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