Estate Planning

Carrying out your wishes. Protecting your legacy.

Estate Planning Advice

The right estate plan can make all the difference — protecting your family and assets, taking away unnecessary stresses and financial hardships, and ultimately ensuring you’re able to support future generations.

Estate Planning is all about placing the right funds in the right hands at the right time. This may be during your lifetime or through your will. The right plan can ensure that your assets are passed on according to your wishes.

Capital Wealth Advice will give you comprehensive estate planning advice to ensure your estate is protected and distributed according to your wishes in a tax effective manner.

We can assist with:

  • Binding and non binding death benefit nominations.
  • Inter-generational wealth transfer.
  • Structuring your transfer of assets tax effectively.

Contact Paul for an obligation free discussion.

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Some of your questions answered

Frequently Asked Questions

The best way to find out if you need the services of a Financial Advisor is to have a conversation with one.

You can check out the Financial Adviser register on government website Moneysmart to review the credentials and experience of the adviser before committing to a first meeting. Paul holds a Master of Financial Planning and has over 20 years’ experience in the Financial Services profession.

During your first consultation you can discuss your financial goals, where you are at, where you want to go and what’s important to you in life. Paul will then help you understand what value they can bring to your financial health. This will differ from person to person as everyone is different.

A simple question but one that can only be answered once the scope of the advice is known. This is why our initial meeting is at no obligation, and once the scale of the work is known you will be provided with a cost estimate and a letter of engagement. The costs of the service are agreed to prior to any commitment on your part. In this way you stay in control and have the confidence to make informed decisions.

Insurance costs are always a concern, are you getting value for your money? It is a great idea to review your cover on a regular basis or when circumstances change. You may need a lot of cover in the early stages of buying a house and raising a family. This may change as the mortgage is paid and dependants become independent lowering the need to replace income and capital in the event of misfortune. It is also a great tip to have a medical check up prior to reducing any cover.

There is no need to wait until your 40s or 50s to start thinking about retirement, in fact, as a general rule, the earlier you commence planning for retirement the better, as you’ll have more working years in front of you to invest and accumulate wealth. The sooner your strategies are in place, the more likely you will be able to reach your goals.

Retirement planning can involve a number of strategies. However, the overall focus is generally to build sufficient wealth to meet your lifestyle objectives once income from active employment has ceased.

If you are 45 – 50 and you have not turned your focus towards retirement planning as yet, please give us a call today.

No. Financial planning is not just about investments, nor does it require thousands of dollars in the bank to start working towards a secure future. We will begin by assessing your current financial situation, assess your cashflow, and recommend changes or additions that will positively impact your future and provide you with a strong foundation to build on to achieve your financial goals.

However, it is necessary to have an idea of what you are trying to achieve and a clear picture of your current financial position. Preparing a summary of the following is useful;

  • What you own; your home, bank accounts, superannuation, vehicles, shares and other investments
  • What you owe; debts including mortgages, investment loans and outstanding credit card balances
  • Your income and expenses
  • What insurances you have (eg. Life insurance)
  • Whether you have an up-to-date Will

Our advice will be provided to you in a written format known as a Statement of Advice (SoA) also known as a ‘financial plan’. The financial plan is a written summary of the advice.

Retirement Planning

Retirement Planning

Whatever version of retirement you’re striving for — we’re here to help you get there.

Transition to Retirement

Approaching retirement there are important strategies to put you in a better position.

Superannuation Advice

We look to maximise your Super, no matter where you are in life, by reviewing strategies, performance, fees and more.

Investment Advice

With the right investment plan you can put your money to work, build your wealth and plan for the future.

Estate Planning

Estate Planning is all about placing the right funds in the right hands at the right time.

Life Insurances

Having a plan to grow your wealth is important, but it’s also important to protect your family and your wealth plan along the way.