Your Money - Aspire Planning Group

Creating a better future for you and your family

Your Money

Financial planning

Make your dreams come true

Do you have goals and dreams for your life? And do you have a plan to ensure you will achieve them?

Financial planning is the key to ensuring you can achieve the goals you have set for your life. With the right financial plan in place, you can move from one stage of your life to the next, knowing you are on the road to realising your dreams.

Here at Aspire, we can review your current situation and find out about your goals and dreams. From there, we can help you put together a financial plan that will keep you on track, and allow for upcoming and unexpected life changes.

Talk to us about a financial plan that can:

  • Help you make the most of your money
  • Minimise your debt and other financial obligations
  • Identify opportunities to save money
  • Review and analyse your spending patterns
  • Help you pay off your home sooner
  • Ensure you have the right superannuation and insurance in place

Come in for a free consultation with us today and start getting your financial plans in place.

Superannuation

Make the most of it

Are you taking advantage of all the taxation benefits that superannuation provides? Do you realise how flexible it becomes as you get closer to retirement? Are you missing out on some of the additional benefits of superannuation?

Today's superannuation offers more choice, flexibility and taxation benefits than ever before. But if you haven’t made the right choices, you might not be enjoying all the benefits of super available to you.

The fund you choose, whether it’s managed by you or someone else, the way you contribute and how much you contribute can all greatly affect the final amount you receive at retirement.

We can help you with:

  • Accelerating your super fund as you draw closer to retirement
  • Enjoying the benefits of salary sacrifice
  • Understanding spouse contributions or government co-contributions
  • Working part-time or semi-retiring to maximise the benefits of super

Contact us today for a no-obligation appointment and we’ll help you put the right superannuation plans in place.

Insurance

Protect what matters most to you

What do you think is most worth protecting in your life? Your house? Your car? What about your income? Or your family's future?

Insurance is about more than just protecting the things we don't want to lose. It's also about protecting the things that make our life enjoyable and more worthwhile.

Our income, for example, is the one thing we often forget to protect, yet it's what makes everything in our lives possible. And then of course, there's providing for our families if something unexpected were to take us away or leave us sick or disabled.

We can assist you with protecting your lifestyle through:

  • Life Insurance
  • Income Protection
  • Trauma Insurance
  • Permanent Disability/Accident Insurance
  • Incorporating Insurance into your Superannuation plan

Talk to us about protecting you and your family against whatever tomorrow brings.

Retirement

Making retirement more comfortable for you

Are you approaching retirement? Or are you already retired? How comfortable do you want your retirement to be?

If you're already retired or you’re rapidly approaching it, there are many strategies you can put in place to make it more comfortable for you.

Semi-retirement is one option you can enjoy these days using the flexibility of recent super changes, to give yourself maximum taxation benefits.

And if you're already retired, there are many issues you might face, from dealing with and understanding Centrelink rules to ensuring your retirement nest egg lasts as long as possible.

We can assist you with advice on:

  • Centrelink rules and how they affect you
  • Paying less income tax through "semi-retirement"
  • Setting up an allocated pension
  • Self-funding your retirement
  • Deeming rules
    • Book a free consultation with Aspire and let us help you see your retirement options more clearly.

Aged Care

What are the options for Aged Care?

It’s not easy making the decision to place a loved one into care. Once you’ve made the call, it can be confusing to understand how it all works. It can also be quite a challenging and confronting issue, both emotionally and financially, especially when the decisions you make can affect your financial position and how long the money will last.

Let’s start by looking at the options available.

  • Staying at home (community care)
  • Retirement villages
  • Aged Care homes (residential care)

How much does Aged Care cost?

Aged Care costs depend on the type of care your parents need, but the government regulates the fees and charges of Aged Care facilities to help make it more affordable for all.

It’s important to get advice

It’s a good idea to talk to a financial adviser about your parents’ personal circumstances. They’ll bring the right knowledge, expertise and guidance to help you and your parents decide on the next steps.

Once you’ve talked through your needs with an adviser, they may then create a financial plan for you and your parents to consider and discuss. This may include a mix of financial strategies and a recommendation of appropriate products for you.

You and your parents can then make the right decision about Aged Care, knowing you’re making the most of government entitlements, structuring payments in the most tax-effective way and ensuring that they’ll still get a regular income.

Book a free consultation with Aspire and let us help you see your Aged Care needs more clearly.

Taxation & Accounting

Pay no more than you should

Do you know how to legally minimise your tax? Are all your financial affairs in order? Do you need advice on tax and accounting matters?

No one likes paying tax. With a bit of smart planning, you can legally minimise the amount you have to pay.

We can assist you with managing your taxation affairs and your accountancy needs - from a simple tax return to more complex business affairs.

Talk to us about:

  • Minimising your tax obligations
  • Maximising your tax return
  • Ensuring your tax affairs are in good shape
  • GST and BAS returns
  • Personal and small business accounting needs
  • Financial planning and investment opportunities
    • Contact us today for an initial appointment with our accounting partners at no cost.

Home loans

Choosing the right home loan for you.

Whether you are buying your first property, your dream home or an investment property, it’s important to choose a home loan that best suits your needs. With hundreds of different types of home loans on offer in today’s market – how do you know which one is right for you?

These days there are a myriad of home loan options out there for you. Knowing which one is right for you and which will save you the most money isn’t easy. Here at Aspire, we know the mortgage market very well. And we can help you find the right home loan for your needs.

Let us help you understand:
  • Investment loans
  • Which home loan is right for you
  • The benefits of various home loans
  • Principal and interest versus interest only loans
  • How to pay off your home loan faster
  • How to save thousands on your home loan
Let us do all the hard work for you. Contact us today for a free mortgage review.