With over 40 years of combined experience, the A&B Financial Planning team can offer solid financial advice.
We can provide you with a range of strategies, which can begin with a flexible savings/investment plan and culminate in an extensive diversified retirement portfolio.
Wealth creation involves the careful planning of investments – usually over a long period of time so you can gain both income and capital appreciation.
The construction of a robust investment portfolio is integral to wealth accumulation and management. A&B Financial Planning can help you build a portfolio designed to maximise the chance of achieving your goals.
The use of the appropriate superannuation fund and level of contributions made can reflect directly on the amount of wealth built and the standard of lifestyle achieved in retirement.
At A&B Financial Planning we are able to advise on a full range of options from Australia’s largest industry fund to the use of one’s own self managed superannuation fund (SMSF).
We pride ourselves on the use of innovative strategies that are used to maximise outcomes.
Wealth protection is about giving you the freedom to enjoy your life. Your financial plan is only as good as the strategies put in place to protect it.
Maintaining your family's lifestyle and financial wellbeing in the event of death, disability or critical illness is the aim of A&B Financial Planning’s insurance recommendations.
Advice includes the amount of cover and the ownership and beneficiary structures required for tax and estate planning purposes. We have no ties to any particular insurance provider and recommend what is most suitable from a very extensive range of insurers.
There comes a time in your life when you want the assets you've accumulated to provide you with an ongoing income stream and the freedom to stop working. Careful planning is required to help you achieve your desired retirement lifestyle.
We can help you put superannuation and non-superannuation strategies into place over time, while assisting you with the most appropriate income streams into retirement.
Our strategies also aim to maximise your Government entitlements through Centrelink and Department of Veterans’ Affairs.
Estate Planning is more than making a Will. It involves setting up your estate to ensure that your assets (such as superannuation) are passed onto the right people, using tax-effective measures.
It can also include Powers of Attorney and Guardianship, which can allow other people (nominated by you) to act for you in the event you were injured or disabled.
We generally provide recommendations for you to discuss with your other professional advisers, or liaise directly with your Accountant & Solicitor to ensure your wishes are met in the best possible way.
A&B Financial Planning offers comprehensive lending services through their mortgage broking division. Their experienced mortgage brokers assist clients in establishing new home loans or investment property loans, refinancing existing mortgages, and conducting home loan health checks.
With access to over 40 different lenders and products, including major banks and boutique lenders, clients receive tailored solutions to meet their individual needs. A&B Financial Planning’s brokers conduct loan health checks to ensure clients are not overpaying and adhere to a Best Interest Duty and Responsible Lending Obligation.
In addition to mortgage broking, A&B Financial Planning provides asset finance services for commercial vehicles, plant and equipment purchases, offering pre-approval and competitive rates. A&B Financial Planning also assists business owners, property developers, self-employed individuals, and new businesses in securing the right finance through a variety of lenders and products.
Our aged care services at A&B Financial Planning involve specialised guidance to help individuals and families manage the costs associated with aged care. Some key components of our services include means testing to understand eligibility for government subsidies, planning for accommodation costs, managing assets and income, navigating government subsidies, providing taxation and legal advice, coordinating with family members, and starting the planning process early to reduce stress and ensure a smoother transition into aged care.
We require a minimum of 2-3 weeks to prepare an Aged Care Statement of Advice after the initial meeting, and we offer flexibility in meeting locations, including our office, your home, or the aged care facility.
Our strategic approach to aged care advice includes providing options and strategies for affording aged care facilities, assisting with completing forms for means-tested fees assessment, and acting as an intermediary between the aged care facility and Centrelink.