Investment Advice

Investing your hard earned savings can be complex to manage and benefit from. There are many issues such as levels of risk, market timing, asset classes, and your own goals, objectives and preferences that need to be considered. Even getting started is difficult but this is where we have the time and expertise to help you.

Even after initial investments are made there are important issues that need to be addressed such as monitoring, buy/sell decisions, tax considerations, and when to take a loss or profit. In addition, there is a huge amount of investment information and spruiking that can easily lead you in the wrong direction with unwanted consequences.

Market volatility simply makes the situation harder and can often lead investors into emotive and rushed decisions. Having a proper investment plan is very important and the sooner you implement it the sooner you can grow your wealth. We can help you develop a financial plan and provide advice that will help overcome the issues raised above.

These include:

• Share investment
• Managed funds
• Listed property investment
• Term deposits
• Cash management accounts.

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Financial Planning

General Advice

A financial plan will help you clarify your financial goals and aspirations, whilst taking into account potential milestones along the way, such as children, education, lifestyle and retirement.

We take the time to gain a full understanding of your current situation and determine your short, medium and long-term financial and lifestyle goals. Next, we assess the challenges that might slow things down and your attitude to risk.

Finally, we map out a detailed plan from first steps through to long-term strategies to achieve your objectives and work with you to optimise and manage your plan.

Sefton Financial can assist you with:

• Confirm your goals and aspirations
• Assess your individual risk profile
• Develop an effective financial plan
• Select suitable investments
• Regularly review your investment performance

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Superannuation

Superannuation is a tax effective way to save for retirement and for most of us, superannuation is one of the most long-term investments that we will ever make. Yet, keeping up to date with the constant changes to the legislative and regulatory environment is not always easy.

Sefton Financial can assist you with:

• Choosing an appropriate superannuation fund and underlying investments for your personal circumstances
• Establishing salary sacrifice arrangements and other tax effective strategies
• Pre-retirement planning to help you to achieve your desired lifestyle in retirement
• Establishing an appropriate income stream for retirement
• Keeping up to date with the constant changes to the legislative and regulatory environments.

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work or call us directly on (03) 9431 3255.

Retirement Planning

Planning for your retirement

More and more people are realising that it is essential to plan well for their retirement.

It’s not just thinking about what to do with your money when you retire but how to maximise what you will have when you begin your retirement. To achieve this goal requires quality advice in the years leading up to retirement, the more the better. Time is needed if various strategies are to be implemented to make the most of your earnings in the pre-retirement period. The longer you plan for retirement and employ professional assistance then the greater the chances that your goal of a happy and prosperous retirement can become a reality.

Giving yourself enough time to plan your retirement is imperative but doing it right is even more so. There are many complex considerations to be managed and it is our job to ensure that your retirement goals and objectives can be met.

A wealthier retirement

Our approach to retirement planning is precise, methodical and generally involves:

• A thorough and retailed review of your current financial resources and commitments
• Gaining a detailed understanding of your future lifestyle and financial goals and objectives as well as any foreseeable events that may affect your future plans
• Financial modelling to forecast potential investment outcomes and income streams from various investment strategies
• Assessment and enhancement of Aged Pension and Centrelink entitlements
• A review and assessment of these findings to determine an effective way forward
• Consolidating our recommendations into a single strategy document for your review and consideration.

To learn how we can assist you in planning for your retirement, contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Aged Care Planning

Feel confident in your Aged Care decisions

At Sefton Financial we can help you make the right decisions to for the transition into aged Care and safeguard your wealth.

We evaluate your unique aged care needs and see exactly how we can help you ease the burden, minimise aged care fees and maximise social security benefits.

Aged care decisions begin with understanding the role that funds play in the future for you and your family. We are here to help you manage assets, expenses and estates to ensure your wealth is safe and secure.

Once we’ve helped establish your true financial position, we’ll determine what your aged care options are, and explain them to you in a clear and understandable way.

Sefton Financial can assist you with:

• Reducing your income tested or means tested care fees
• Exploring all options to maximise your Centrelink / Veterans Pension
• Explaining the fees, charges and entry and exit costs
• Looking at options to retain the family home and finance the accommodation costs
• Comparing a range of scenarios to work out the most affordable option
• Making all information clear and easy to understand.

At Sefton Financial, we will provide the time and expertise needed to help you implement the best financial strategy possible. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Personal Insurance

What is insurance?

Insurance is a form of protection – a way to protect yourself, your family and the things you own if something goes wrong. It enables you to replace or repair your assets, whether those assets are your belongings or your capacity to earn income.

Everybody’s circumstances are different, but insurance is important for everybody. Your need for insurance will change as you move through the different stages of your life.

There are many different types of insurance, and we can help you find the right level of protection for your needs.

What types of insurances are there?

There are many types of insurance. Car or home/contents insurance allows you to insure your belongings. Personal insurance policies enable you to insure yourself and your ongoing wellbeing.

Personal insurance provides protection against sickness, injury and death, and includes:

• Life insurance
• Total and Permanent Disability (TPD) insurance
• Trauma insurance
• Income protection.

While insurance doesn’t remove the risk of something going wrong, it provides you and your family with protection and financial security if something does happen.

The amount of insurance you need is affected by:

• How much you earn
• Your cost of living
• Your assets
• Your liabilities
• Your relationship status (whether you are married, in a de facto relationship or single)
• How many dependants you have.

We understand that it can be difficult determining the type and level of cover you might need, let alone choosing an insurer. We can assist by helping you determine your needs and recommend an insurer that is right for you. Contact us today to discuss how we can work together or call us directly on (03) 9431 3255.

Testimonials

Disclosure: These clients have agreed to share their story. Everyone’s situation is different, so their choices and outcomes will be different to yours. Consider your circumstances before deciding what’s right for you.

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