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Aged care
We can help you to navigate the complexities of aged care
The prospect of moving from the family home into an aged care facility can be an emotional and unsettling experience for the individual concerned and their adult children.
The loss of independence, the emotional upheaval and the financial implications can feel overwhelming. When the time comes, there are often significant financial decisions that must be made in a short period of time which can make the situation more stressful.
Aged care is a complex area with many factors to consider including the decision as to whether or not to sell the family home.
At Innovative Financial Services we understand the complexities of the aged care system including the various options for in home and residential care, associated costs, payment options and government support.
We can provide you with an overview of the options available to you in an environment that is supportive, compassionate and respectful of the wishes of all concerned.
To find out more, please contact us.
SMSF and Superannuation
Making your superannuation savings work for you
While it may not seem like it yet, your superannuation savings or ‘super’ as it is more commonly called, is likely to be your greatest asset (aside from the family home) as you approach retirement.
However, many people overlook the importance of superannuation and the role it plays in growing your retirement nest egg. For instance, those who pay little attention to their superannuation fund, may find that their superannuation savings are held in the default (or balanced) option, which may not be ideal for their circumstances, retirement goals or what we call your ‘tolerance towards risk’.
This could mean reaching retirement age with less money in your super fund than you may have otherwise accrued had the investments been more appropriately structured according to your needs, situation and objectives.
At Innovative Financial Services we understand the complexities of the superannuation environment including self managed superannuation funds (SMSFs) and can help structure a superannuation strategy that’s right for you.
To find out more about our approach to superannuation, please contact us.
Retirement Planning
You can look forward to a comfortable retirement
With Australia’s ageing population and increasing pressure on government funding for health and welfare services, it’s never been more important to make your own plans for life in retirement.
We’re now living longer than previous generations, which means without an adequate retirement plan, there’s a very real possibility your money could run out before you do. It’s called ‘longevity risk’ and poses a real threat for those underestimating the importance of retirement planning.
At Innovative Financial Services we help Australians from all walks of life to plan for and enjoy a secure and comfortable retirement. Our services include:
- Calculating how much you’ll need to enjoy the lifestyle you want in retirement
- Preparing and implementing retirement planning strategies
- Superannuation planning and SMSFs
- Budgeting and cash flow management
- Transition to retirement strategies
- Centrelink eligibility and calculating your potential entitlements
- Aged care assistance
To find out how we can help you, please contact us.
Saving and Budgeting
Guiding you towards a secure financial future
Regardless of where you are in life, everyone can benefit from financial advice from a qualified professional. Whether you’re just starting out, saving for your first home, looking to invest in property or shares or planning for retirement – an effective financial strategy can help you to reach your goals sooner.
Our approach is an open and transparent one, where we explain complex financial solutions and strategies in simple language that is easy to understand.
We believe in sharing our knowledge and empowering our clients to make smarter decisions about money – because making certain financial decisions can have an impact on other areas you may not have considered.
Ultimately, our goal is to help each client make their financial and lifestyle goals and aspirations become a reality through careful, disciplined financial planning.
To find out how we can help you, please contact us.
Investment Advice and Planning
For investors that value expert advice
Despite the often volatile nature of investment markets, investing remains one of the most effective ways to grow your wealth over the long term.
Too many people make poor investment choices based on bad advice, coverage in the media or emotional decisions when markets experience a sharp downturn. A poor decision in the short term can have a detrimental effect on your investment portfolio over the medium to longer term.
At Innovative Financial Services we believe that investing is not speculating. To be a successful investor requires a disciplined approach and an investment strategy that’s customised to your individual goals, objectives and requirements.
We design investment strategies that are based on a thorough understanding of your circumstances, attitudes and objectives; and we only proceed when you are entirely comfortable with the investment strategy we recommend.
To find out more about our approach to investing, please contact us.
Debt Management
Gain control of your finances
Managing your day to day finances while saving for a bigger goal can be challenging on your own, especially if you have already accumulated credit card or other debt.
At Innovative Financial Services we help people from all walks of life get on top of their finances with sensible, realistic strategies that minimise debt and put you back in control of your financial future. We put you in the driver’s seat to overcome financial adversity and put you back on a clear path towards financial prosperity.
Our financial management services include debt management advice, cash flow management, budgeting and savings plans.
To find out how we can help you, please contact us.
Centrelink
Guidance and advice regarding government entitlements
When it comes to retirement, many Australians will come to rely on a full or part Age Pension to supplement or fund their retirement income.
There’s no denying that dealing with Centrelink can be an incredibly daunting and frustrating experience, especially if you have grown accustomed to being financially independent throughout your working career.
At Innovative Financial Services we aim to take the headache out of dealing with Centrelink and as part of our service to our retirement and pre-retirement planning clients can provide assistance dealing with Centrelink including liaising with them on your behalf, helping you to complete paperwork and accompanying you to Centrelink offices as and when required.
It’s all part of the personal service we provide.
To find out more about our Centrelink assistance, please contact us.
Estate Planning
Securing your wealth for your dependents
A legal will is a legally binding document that outlines your wishes regarding the distribution of your assets upon your death. While a will is important, it is only one aspect of the estate planning process. An estate plan is a detailed set of documents that can involve your will, trusts, powers of attorney, life insurance, beneficiary designations and property ownership.
An effective estate plan aims to maximise the value of the estate by reducing taxes and expenses while providing clarity around your wishes.
One key difference between a will and an estate plan is that an estate plan is a comprehensive plan including documents that are effective during your lifetime whereas a will only takes effect at the time of your passing. Together these documents outline who has the power to make healthcare and financial decisions on your behalf during your life and who receives your assets at the time of your death.
We will guide you through everything you need to consider and ensure you have the things most important to you covered.
To find out more about our approach to estate planning, please contact us.
Personal Insurances
The protection you need, the peace of mind you deserve
An unexpected illness, injury or worse is not something we like to contemplate, however should the unexpected happen it can be reassuring to know you have done everything you can to protect you and your loved ones financially.
Unfortunately, many Australian households are underinsured or have insurance cover that isn’t suitable for their needs or circumstances. This can place unnecessary strain on the family in the event of an unexpected illness, injury or death.
At Innovative Financial Services we believe insurance is the cornerstone of a sound financial plan. As part of our holistic approach, we’ll discuss the various types of insurance cover we feel may be suitable based on your circumstances and obligations as we understand them.
It’s all part of our duty of care to ensure you and those you care for are adequately protected should the unexpected strike.
To find out more about our approach to insurance, please contact us.
Our advice process
Take a look at our approach to financial advice to discover more details. It’ll give you a clearer picture of our methods and the support we offer.