At LifeStyle Financial Services our main objective is to help our clients achieve their lifestyle goals. We do this by taking the time to make sure that we have a clear understanding of what these goals are, then we focus on attaining them.

Goals may include purchasing a home, planning for retirement, or becoming financially independent ... sooner.

We also specialise in helping employers who want the best for their employees to select the appropriate company superannuation fund and insurance programme for their staff. We then provide educational seminars and advice to help ensure that their employees make the best choices for their individual situations.

Financial planning for individuals and families involves:

Wealth Creation and Management
Strategies for building wealth and managing risk are tailored to individual goals and circumstances. We look at many aspects including tax, superannuation, investment, insurance, mortgages and debt structuring, and provide personal, tailored advice to suit individuals' needs.

Retirement Planning
Careful planning well before retirement date is essential. Once retired, we will aim to maximise after tax income, looking at any benefits that are available through effective structuring of assets or adopting Centrelink strategies. Some clients want to preserve wealth in retirement, while others plan to spend the lot!

Mortgage Broking and Debt Management
An effective debt structure can help reduce the term of a home loan and substantially reduce interest payments. This is often the best starting point when trying to improve day-to-day cash flow.

Super
Superannuation is the government's preferred vehicle for retirement, hence there are many in-built tax savings. Level of contributions, selection of underlying investments (such as shares, property securities or bonds) can impact on retirement capital. Our specialty is helping our clients make the right choice.

Geared Investment
There can be substantial tax benefits available to investors who choose to borrow to invest.

Gearing is a long-term wealth creation strategy. One can borrow against equity in one's home, or via a margin loan, to invest in shares or property. There are also some managed funds available which are internally geared.

Gearing increases the risk and potentially the return of a portfolio, so one needs to be aware of and understand the implications of a gearing strategy before getting involved.

Life and Disability Insurances
There is not a lot of sense in building wealth without protecting oneself from the major risks involved in life such as loss of income through disability, critical illness, or death. Whilst we place more importance on the quality of the insurance companies and their claims paying history than on the cost of premiums, we will source the most affordable products offering the best outcomes for clients.

Estate Planning
What happens to a person's assets upon their death? We recommend our clients' estates be structured correctly to minimise tax and to ensure that our clients' assets are distributed to their intended recipients.