Smart Wealth Financial Solutions
We help clients transition to a stress-free retirement.
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- Certified Financial Planner
- Cairns Owned and Operated
- Serving clients across FNQ and Australia
- Accredited Aged Care Specialist
- Meet in Person, Phone or Online
- Over 25 Years Experience
Our Services
Retirement Planning
This is the process leading up to retirement where we look at maximising your contributions using a number of different strategies and establish how much capital and income you will require for your retirement. We usually find this involves adjusting your superannuation investments according to your retirement needs. We will guide you through the process of allocated pensions in superannuation, defined benefits, aged care pensions, and annuities where appropriate for your needs.
Aged Care Advice
Knowing what to do and what your options are when you or your loved ones can no longer live independently can be confusing. Getting the right information and advice now will help you make the best choices for your future care, security and happiness. Plan ahead to give yourself and your family time to make the best decision.
Superannuation Advice
Peace of mind throughout your retirement.
Superannuation provides a minimally taxed environment to save for your future. By investing within superannuation effectively, we can help you reduce your tax liability and boost your financial position – allowing you to live the life you love in retirement.
We work with you to create personalized strategies; this includes analyzing your cash flow requirements and retirement goals. We can help you fast-track your superannuation savings, reduce your income tax, and take advantage of all superannuation contribution benefits. For those interested in investing through a Self-Managed Superannuation Fund – we can also assist.
We understand the importance of planning for a secure retirement – which is why investing tax effectively within the superannuation environment should be considered as part of any successful investment strategy.
Financial Advice
Design your life.
Good financial advice is tailored to suit your financial needs. Great financial advice encompasses your lifestyle goals, career aspirations, and dreams for the future.
From the commencement of our partnership, our primary focus is on getting to know you. Through a deep understanding of your core values, current position, and future objectives, we can help you define your short and long-term goals.
Together, we put a plan in place to get you to where you’d like to be — helping you accumulate and manage your wealth while protecting your loved ones, lifestyle, and assets along the way. We aim to provide great advice.
Investment Advice
The right investments for the right life.
The investments you choose are the path that will lead you to your success. This is why it’s essential to align your objectives and risk profile with appropriate asset classes and investment allocation — in and outside of superannuation.
We take a bespoke approach to ensure your short, medium, and long-term investment objectives are defined, so we can strategically invest in a model portfolio that meets these goals. We match you with low-cost investment options that grant you access to professionally managed portfolios using an award-winning platform.
Our investment advice is based on your desired rate of return, investment horizon, liquidity requirements, risk profile, and personal values. There are endless investment options out there — we make sure your investments perfectly suit you.
Cash Flow Management And Tax Planning
The building blocks for successful financial advice.
We invest the time upfront to understand your financial goals and create a wealth management plan to suit your individual needs.
Cash flow and tax efficiency are the building blocks for most long-term strategic financial plans.
We help our clients to build strategies that maximize the benefits of legal tax minimization whilst providing a reliable income. Efficient tax planning can help grow your investment capabilities.
Debt Management / Reduction
Debt management is a way to get your debt under control through financial planning and budgeting. The goal of a debt management plan is to use these strategies to help you lower your current debt and move toward eliminating it.
Getting out of debt can be incredibly difficult and stressful for everyone. We will work with you on a strategy to pay down personal, investment, and business debt and ensure this is structured tax efficiently. This sometimes involves some money coaching and conversations around spending habits and keeping you accountable to your plans.
Taking a close look at debt management, we help you structure any debt so that you are leveraged as cost-effectively and efficiently as possible. We help get your debt under control and paid off faster.
Lifestyle Planning
The life you love is just around the corner.
Too often a client’s Financial Planning focus is on investments and superannuation and not on what their finances can actually deliver.
At Smart Wealth Financial Solutions, we look at our clients differently and in particular how we can enhance their quality of lifestyle.
Lifestyle Planning is about brainstorming with a client their goals, dreams, and ambitions. We work with our clients to prioritise these ideas and then develop and implement financial strategies relevant to each individual objective.
We want to know your financial world whether it be the first house you want to buy, the education you want for your children, that round-the-world holiday, the concern you have over your home loan debt, or that hard-earned retirement you have been working towards over the years.
Divorce
If you are thinking of, going through, or have been through a separation or divorce, we can help you rebuild yourself financially and empower you with the ability to make financial decisions on your own.
Divorce in most cases is a stressful experience affecting finances, living arrangements, household jobs, schedules, and children. The legal process of divorce may also involve issues of spousal support, child custody, child support, distribution of property, and division of debt. The cost and complexity of divorce generally depend on how amicable you are and whether you can come to an agreement on these matters.
Estate and Succession Planning
Let your legacy live on.
You’ve worked hard and spent your whole life accumulating your wealth, and would like to know that your assets are passed to your loved one’s tax effectively. Succession and estate planning ensure your assets, business or SMSF are passed to your loved ones most efficiently when the time comes.
Estate and succession planning are essential for the smooth passage of assets to your successors, taking into consideration tax minimization, transfer of ownership, asset protection, and the future of your beneficiaries.
Death is a part of life. We help remove fear and uncertainty around your wealth and family’s future. With a strategic estate or succession plan, you can rest easy knowing your wealth will end up exactly where you want it to be.
Redundancy, Inheritance and Lump Sum Advice
We can assist you in managing your inheritance and having this work towards your long-term goals and objectives. Whether this is to pay off debt, invest for your future, provide an income stream, or look after dependents, we will help guide you through the decision-making process to give you the best options, as we understand this can often be overwhelming time.
Salary Packaging
Salary packaging is where an employer and employee agree that the employee’s remuneration package will be received by way of a combination of cash salary and non-cash benefits. Anyone who is employed, and has approval, is able to salary package and potentially save thousands of dollars each year. Instead of receiving a gross income, on which income tax is payable, employees can choose to take part of their pay in some other form of benefits before income tax is applied. These are known as employer-provided benefits.
Salary Packaging is a way of restructuring your income to reduce the amount of tax that you pay. Approved by the Australian Tax Office (ATO), Salary Packaging means you can pay certain expenses out of your salary before you pay tax. This means the tax you pay is calculated on your reduced income after the nominated expenses are paid.
Centrelink
Smart Wealth Financial Solutions can provide clients with Centrelink calculations and strategic planning advice.
It’s important to know that the Government may be able to assist you with your finances in retirement. Topping up your retirement income with the Age Pension or other Government benefit or allowance can be a great way to help you make your savings last longer.
Personal Insurance
Are you adequately insured?
Your earning capacity is paramount to a secure financial future. Our risk assessment and insurance advice ensure you are covered.
Did you know that the majority of young and middle-aged Australians are underinsured? Make sure you’re not one of them.
There are many types of personal and life insurance:
- Income protection
- Total and permanent disability insurance
- Trauma insurance
- Term life insurance
Tools and Educational Material
Index Chart Educational Video
The Importance of Diversification
A Timeline of Bull and Bear Markets
DIY Index Chart
