Wealth Accumulation & Planning

• Superannuation
• Self Managed Superannuation Fund
• Gearing
• Savings programs
• Salary Sacrifice

For more information on the services we offer, contact our office on (08) 9225 4485.

Investment Planning

• Share portfolios
• Tailored portfolio management
• Wide range of investment options
• Risk tolerance assessment
• Tax management

For more information on the services we offer, contact our office on (08) 9225 4485.

Retirement Planning

• Retirement income streams
• Strategy optimisation
• Tax effective structure options
• Cost minimisation
• Maximising Centrelink benefits

For more information on the services we offer, contact our office on (08) 9225 4485.

Home Loans / Debt Management

• Finding better home loan rates
• Re-financing
• Pay off debt sooner

For more information on the services we offer, contact our office on (08) 9225 4485.

Estate Planning

• Wills and Enduring Power of Attorney
• Estate tax optimisation
• Asset protection
• Personal succession and wealth transfer options
• Family Trusts
• Testamentary Trusts

For more information on the services we offer, contact our office on (08) 9225 4485.

Risk Insurance

• Income Protection
• Asset protection strategies
• Life and disability insurance
• Trauma insurance

For more information on the services we offer, contact our office on (08) 9225 4485.

Terms & Conditions

This website is operated by Pass Financial Pty Ltd, ABN 56 072 634 774. We are an authorised representative of Godfrey Pembroke Group Pty Ltd an Australian Financial Services Licensee. These are the terms and conditions for use of this site and access to the information contained on this site. By using this site, you agree to these terms and conditions.

1. We and our authorising licensee:
   1. do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained on this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information;
   2. may change and update the information from time to time;
   3. make no representation in relation to, and are not responsible in any way, for the content of any other site you access via this site; and
   4. own the copyright in the information on this site.
2. Users must not use or reproduce any of the trademarks or other intellectual property appearing on this site.
3. Users of this site must not:
   1. do anything to alter or modify the information on this site;
   2. use the material on this site for any purpose other than as a source of information for personal use unless authorised to the contrary;
   3. distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised;
   4. post any material which is defamatory, in breach of copyright, in breach of the Competition and Consumer Act 2010 or otherwise in any way unlawful or inappropriate.
4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect on this site.
5. The information contained in this site is general information only made available to residents of Australia. It has not been prepared taking into account any person's particular needs, financial situation or investment objectives and should not be relied upon as a substitute for financial, accounting, legal, tax or other specialist advice. It is not intended to be a recommendation, offer or invitation to take up securities or to make a decision in respect of any financial product or any other matter. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives.
6. We and our authorising licensee are not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained on this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence by us.
7. All references on this site to "$" or "dollars" are references to Australian currency unless otherwise stated.
8. Users of this site agree to indemnify us and our authorising licensee from all liability, cost and expense, (including legal fees) arising directly or indirectly from the use or distribution by any person of material placed on the site by the user or from the alteration, modification of or addition to material on the site by the user.
9. We and our authorising licensee do not endorse and are not responsible for information, feedback, questions or comments placed on this site by third parties. We can reproduce, use, disclose and distribute the information to others in our absolute discretion.
10. Links to other sites are provided for your convenience only. Any such links do not constitute or imply endorsement or recommendations of any other company, product or service or any affiliation between us and other organisation (unless otherwise expressly stated).
11. You consent to us monitoring your use of this site and agree that we may suspend the operation of this site, or restrict your use of it, at any time and without any further notice to you.
12. This site is designed for Australian residents only. Nothing on this website is an offer or a solicitation of an offer to acquire any products or services, by any person or entity outside of Australia.
13. This website is operated by Pass Financial Pty Ltd. Pass Financial will use its best efforts to provide access to this site on a 24-hour basis. However, there may be an interruption of the service to facilitate the site's maintenance or for any other reasons. Pass Financial will not be liable to any person for interruptions to the service for any reason.

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.