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When it comes to wealth creation, it’s important to remember that you don't need a large lump sum to be able to create wealth.  Wealth creation is a process of combining your current resources with investment strategies that will provide sufficient capital to meet your immediate or future capital needs. The Australian investment marketplace is one of the most complex and diverse markets in the world. At ActonAdvice we can help you understand strategies such as gearing, dollar cost averaging and salary sacrifice. We are able to advise you on what type of asset classes and products may be suitable to your needs in an easy to understand and implement strategy.

Depending on the complexity of your affairs, an estate plan may encompass appointing an Executor of the Will; determining whether a Power of Attorney is required, and who should be appointed in that role;and establishing a estamentary Trust. An effective Will should be designed according to your personal and financial circumstances and also take into account non-estate assets such as superannuation death benefits. An estate plan is something we recommend for all our families and is especially important for those families with complex circumstances, such as those involving second marriages or loved ones with special needs. Contact us to book an initial consultation.

The most important part of a financial plan is the conversation we have with you. Our conversations with you are about your dreams - what will make you happy, the legacy you want to leave and the relationships that are important to you. The financial plan we develop takes into account all the complexities in your life, whether it’s spanning multiple generations, mixes business and personal or factors in complicated relationships. That is why conversations sit at the heart of our financial planning process.

Gearing simply means to invest with borrowed money. It can be a powerful means to build wealth as it allows you to acquire assets that you wouldn’t otherwise be in a position to own.

One of the gearing strategies you might have heard of is using the equity in your home to buy other assets such as shares. You can either positively gear or negatively gear.

Is your mortgage more than three years old? Need to refinance to pay for a renovation? Thinking of upsizing or downsizing? Buying your first home? Wanting to invest in property?
We can help you to:

Calculate how much you can borrow and comfortably afford to repay; 
Compare loans to find the right one for you;
Do the legwork and answer your questions;
Help you with pre-approval.

No charge! Lenders pay the commission when the loan is settled, therefore no cost to you.

Think of retirement planning as ‘lifestyle by design’. When you plan for your retirement you need an integrated plan that couples together highly specialised advice from a range of disciplines like tax, estate and financial planning. 
A sound retirement plan can help you prepare for your retirement; select the most appropriate superannuation;
ensure you obtain the maximum tax and social security benefits; secure your assets; utilise tax-efficient strategies to transfer your wealth; and plan your estate so your loved ones are taken care of.

Leadership transitions in business affect the entire organisation's continuity, employee retention, client retention and returns on investment. It is essential to create and implement a process that creates visibility, accountability and greater integration of all facets of the business.  It is widely accepted that every person should have a Will to ensure the efficient distribution and control of their assets on death and an Enduring Power of Attorney appointing someone to look after their financial affairs in the event of their incapacity. It is no different for a business. A business needs to establish a Business Succession Plan, often referred to as a Business Will, to ensure the ongoing viability of the business and to protect the value and control of the owner's interest in the business.

An effective financial strategy is one that not only considers how to create wealth, but also how to protect the wealth you already have and your ability to generate wealth in the future. What would happen if you were injured? What if you fell ill and were unable to work for a period of time? Would you and your family survive? What if you died? Imagine leaving your family burdened with the debts you created, not to mention the emotional anguish. A good financial strategy will anticipate the unforeseen. Wealth protection is an essential part of every financial plan. It provides an agreed financial benefit on the happening of an insured event. Without the appropriate personal insurances the wealth you've built can rapidly erode as a result of an accident, illness or death. Wealth protection is all about ensuring you have choices should the unexpected happen.

Most people don’t realise how much tax they are actually paying and there are many completely legal and socially acceptable ways to increase your wealth in a tax efficient manner.  You can save on your taxes in many different ways. Just remember to always keep your investment plans in mind and make sure you give yourself a lot of time to review everything before tax time.