Services
We offer an extensive range of financial services which enable us to create a tailored financial plan to secure your future.
You might be wanting to fund your dream retirement or investment goal, or you may have already retired and are concerned about managing your family wealth and ensuring your loved ones will be looked after in the future.
We understand the stresses of money and that sometimes it can be overwhelming. Our goal at Visualise Wealth is to provide you with a high-level tailored service and to develop a long-term relationship with you who trusts us to build and protect your wealth.
Wealth Creation
Wealth creation is building financial security now so you can enjoy your lifestyle in the future. Choosing where and how to invest your money is an important decision and will depend on many factors including your investment objectives, approach to investment risk and the amount of time you have to invest. When formulating our strategies,
we will take into consideration cashflows, structuring and tax.
We will help you to define your financial vision and goals and recommend
financial solutions and strategies to help you reach your objectives.
Wealth creation strategies include:
1. Savings/Debt strategies
2. Investment strategies
3. Superannuation strategies
Superannuation is a concessionally taxed ownership structure that invests contributions made by you, your employer,
your spouse or the Government to accumulate for your retirement. Whilst you are still working,
Superannuation earnings are taxed at 15% which may be lower than your marginal tax rate.
Within Superannuation you have the choice of investing in assets such as cash, fixed interest, property,
Australian and international shares
and infrastructure. Within each of these asset classes there are many socially responsible investment options to choose from.
Retirement Planning
Planning for retirement is one of life’s most important financial considerations.
The actions you take today can determine your lifestyle in the future.
Superannuation is one of the most tax-effective long-term retirement savings vehicles,
however it can be difficult to keep up with changing rules and regulations.
We will explain the rules pertinent to you and provide strategies to maximise your retirement savings.
As part of our retirement planning advice, we will assess the impact that
any recommendations will have on your Social Security entitlements.
Estate Planning
Estate planning is an integral part of your overall financial plan. Having a valid Will provides certainty
by ensuring your assets are distributed in the way you desire. A Will relieves your family of
further stresses, reduces the potential for disputes and saves on unnecessary legal expenses.
Estate planning ensures that the correct structures are in place to protect your assets and family. We will ensure that you are aware of important issues such as assets that do not from part of your Will such as joint assets, life insurances and your Superannuation.
When there is superannuation left over at the end of your life, it is most commonly inherited by your
surviving spouse or children or bequeathed to other nominated beneficiaries.
Understanding tax rules around super death benefits is extremely important. Implementing
estate planning strategies before you die can potentially reduce your after death super tax liabilities.
Our Estate planning services include access to Estate planning specialists for the preparation of Wills, Enduring Powers of Attorney and Guardianship. Our specialists can also advise on establishing Testamentary Trusts to protect family wealth,
maintain control and distribute your assets in a tax effective manner.
Money Mindset and Coaching
Did you know that the behaviours and comments of your parents, grandparents and
significant others can have a subconscious impact to your attitude to money decades later?
Your experiences, environment, culture and friends create money impressions that can set you up for life long success or struggle.
Sometimes called the unconscious mind, your subconscious mind contains all of the stored information of everything you have ever experienced. Because of this, it influences how you react to things including money.
We define what money success looks like for you by delving into your past and present,
reveal how your environment has shaped you
and coach you how to rewire your mindset and become a master at attracting, keeping and making more money.
I can guarantee that you will find this exercise fascinating and eye opening. It is so satisfying to witness my clients have their
light globe moments and to watch them move closer to their goals faster and with more clarity and focus.
Financial Planning for Women
We are committed to educating and empowering women to take positive steps towards preparing for your financial future. We understand that while women share similar goals as men of achieving financial security, they have unique wants, needs and concerns which shape the way we approach developing a financial plan.
When it comes to investing, women hold distinct advantages over men. On the whole, women are goal orientated, risk aware and focused on the long term. They tend to take fewer ill-advised risks with their money and are more inclined to hold their investments during volatile times. This bodes well considering that women continue to face unique circumstances and pressures that make it imperative to stay on top of their finances.
Women live longer than men but generally earn less and take time out of the workforce to care for children
so it is important to start preparing for your retirement as early as possible.
Whilst research suggests that women today are smarter and more confident about investing,
that doesn’t always translate into action.
No matter where you are in your financial life, there are steps you can take right now to put you in an improved financial position.