Comprehensive Solutions for
All Types of Financial
Situations
Financial planning means managing all aspects of your financial situation.
Managing finances is complex. And as the saying goes, ‘failing to plan is planning to fail.’ We provide a comprehensive financial planning service that brings together all elements of your financial profile.
Our plans address:
Risk insurances;
Debt and debt management;
Cashflow and income management;
Career planning;
Superannuation;
Retirement;
Aged care; and
Estate planning
Each of these elements is important in its own right and making positive changes in any one area will provide substantial benefit. But the real benefits come when two or more of these elements are addressed together. That is when your financial profile really starts to sing.
Financial Planning
At Clear Advice Financial Planning, we understand that managing your finances is complex. We provide a comprehensive financial planning service to handle and combine all elements of your financial situation.
Investments
Investing means becoming wealthier by buying and sometimes selling assets that provide income while you hold them and capital when you sell them. Our financial advisors can assist you with two types of investment: direct and indirect.
Direct Investment
Direct investment is where you buy and hold investment assets in your name or the entity you control. We help ensure that you buy assets from the right hands.
Indirect Investment
Indirect investment is made by employing an investment manager to buy and hold investment assets on your behalf. We help you find the best-managed investment options that suit your situation and goals while minimizing the risks.
Business Advice
We ensure you make smart business decisions the first time. It includes creating proper structures for your business to achieve your aims, such as profit maximization, tax optimizations, asset protection, and succession planning.
We can help you select the right technology and other supports that best suit the size and type of your business. Our advisors also assist in financing the business and managing its day-to-day, month-to-month, and year-to-year cash flow arrangements.
Estate Planning
We provide estate planning services, ensuring your wealth is directed according to your wishes after you pass away.
It is also vital that your estate planning be consistent with your current financial planning to ensure that we handle your affairs as efficiently and cost-effectively as possible.
Risk Insurance
Risk insurance ensures good health, which is your most important financial asset. That is why risk insurances are almost always the essential first step in any financial plan, and our team can help you get started.
We provide a complete range of risk insurance services: death cover, total and permanent disability (TPD), financial and income protection, and trauma cover.
Aged Care
The financial aspects of the aged care system are incredibly complex. We can assist you in fully understanding your financial situation and how this interacts with your aged care. This involves things like:
Working out the type and quality of aged care you can afford
Working out the costs of aged care
Arranging to pay accommodations and care fees that apply
Ensuring you maximize your Centrelink pension and any other entitlements
Best managing your family home and other significant assets
Simply ensuring that your time in aged care is as financially comfortable as possible
Aged Care
The financial aspects of the aged care system are incredibly complex. We can assist you in fully understanding your financial situation and how this interacts with your aged care. This involves things like:
Working out the type and quality of aged care you can afford
Working out the costs of aged care
Arranging to pay accommodations and care fees that apply
Ensuring you maximize your Centrelink pension and any other entitlements
Best managing your family home and other significant assets
Simply ensuring that your time in aged care is as financially comfortable as possible
Accounting
We can provide various accounting and taxation services for entities, such as companies, trusts, and SMSFs.
You can let us organize your accounting and taxation. We manage seamless services to ensure that all of your financial needs and in the most cost and tax-effective way possible.
Centrelink
Our financial advisors can help you make smart financial plans to qualify for your Centrelink benefits. We will also help you maximize your entitlements while maintaining your long-term wealth development and enhancement strategies.
Superannuation
This is more than a retirement plan. It is a cornerstone of most people's financial plans. It touches every other aspect of your financial goals, like how you manage super impacts, insurance, investments, taxes, and more.
Legal Services
Our team can help you get quality advice on all the common areas of need. It includes wills, general powers of attorney, medical powers of attorney, co-ownership agreements, contracts, etc.
By getting us to talk with your legal advisers, you ensure that those legal advisers understand the financial aims their advice is designed to meet. Because we have an ongoing arrangement with MLA Lawyers, we will do the work as efficiently as possible.
Superannuation
This is more than a retirement plan. It is a cornerstone of most people's financial plans. It touches every other aspect of your financial goals, like how you manage super impacts, insurance, investments, taxes, and more.
Legal Services
Our team can help you get quality advice on all the common areas of need. It includes wills, general powers of attorney, medical powers of attorney, co-ownership agreements, contracts, etc.
By getting us to talk with your legal advisers, you ensure that those legal advisers understand the financial aims their advice is designed to meet. Because we have an ongoing arrangement with MLA Lawyers, we will do the work as efficiently as possible.
Tax Planning
We understand that getting tax plans right, like choosing the right investment, is important. Our team will help you optimize your tax planning skills. We will ensure the tax you need to pay is minimized in legal ways to avoid paying more than you need to.
Retirement
Clear Advice Financial Planning assists you with more immediate aims, such as buying a home, paying off debt, managing your career, and raising a family. We can show you how to manage your affairs so that what you do today also benefits you when you retire.
Self-Managed Super Fund Advice and Administration (SMSF)
An SMSF allows Australians to gain maximum control over super benefits while complementing their financial plan. This financial plan may include estate planning and more. We also assist in utilizing SMSFs to optimize your life insurance arrangements.
Our services at Clear Advice Financial Planning range from helping you establish a new SMSF, and managing contributions, to ensuring that the fund complies with the various aspects of super law.
Self-Managed Super Fund Advice and Administration (SMSF)
An SMSF allows Australians to gain maximum control over super benefits while complementing their financial plan. This financial plan may include estate planning and more. We also assist in utilizing SMSFs to optimize your life insurance arrangements.
Our services at Clear Advice Financial Planning range from helping you establish a new SMSF, and managing contributions, to ensuring that the fund complies with the various aspects of super law.
Finance and Debt Management
Managing debts allows you to have financial security. Our debt management services complement your financial plans. We help you ensure we structure your loans properly so that you can optimize everything else that debt touches.
We also help you organize home loans, investment loans, reverse mortgages, LRBA loans for SMSFs, credit cards, and other forms of debt. A licensed credit provider in the Australian Credit Licensing System authorizes these services.
Property
Clear Advice Financial Planning provides advice on all forms of property: residential homes, investment properties, and commercial. We can also help clients find the best way to help their adult kids buy houses.
Probate
We assist clients in physically lodging their applications for probate while helping them save thousands of dollars.
Our arrangement with MLA Lawyers also backs up our probate application service. They provide all the legal work necessary for our estate planning service. MLA lawyers will also assist if there is a need for legal services to establish probate.
Probate
We assist clients in physically lodging their applications for probate while helping them save thousands of dollars.
Our arrangement with MLA Lawyers also backs up our probate application service. They provide all the legal work necessary for our estate planning service. MLA lawyers will also assist if there is a need for legal services to establish probate.
Let Us Help You Make Smart Financial Plans
Based in the East Melbourne / Richmond area, we provide financial advice and services to clients within Metropolitan Melbourne, the Bendigo Region and throughout country Victoria.
We look forward to meeting with you to discuss how we can help you to achieve your financial goals.