Planning for your retirement reduces the anxiety around whether you will have enough to live comfortably and still enjoy doing the things you love after you retire. There are many aspects to consider in your planning including timing, access to government assistance, tax and superannuation implications and much more. We will help alleviate your worries and plan for all contingencies.
Although the government’s superannuation regulations change rapidly, investing in superannuation is one of the most reliable and effective ways of providing for your retirement. We help you understand the risks and benefits of your strategy and advice you how best to manage your superannuation portfolio to minimise tax, maximise returns, and avoid the harsh penalties which non-compliance incurs.
We believe that our clients should be able to access their investment reports and performance data easily and we encourage you to monitor performance and ask questions at any time. Your investment reports including rate-of-return and transaction data are securely stored online and you can access them from your client portal whenever you choose. Our goal is to help clients make informed decisions.
These are becoming an increasingly popular choice for investors who want more control and flexibility over their superannuation investments. There are many rules concerning SMSFs designed to protect your assets and ensure your retirement. It is important to discuss this option with an experienced and qualified financial planner to determine whether it is the most beneficial choice for your circumstances.
A good estate plan will ensure that ownership and control of your assets passes to your intended beneficiaries, that taxes are minimised, and that everything is handled efficiently. Your estate planning is affected by many life events and involves much more than simply having a valid will. We will advise you on this matter and ensure that your assets are passed on without complication.
Properly structured, tax-effective investment strategies make a significant difference to your net wealth. It is important that your tax planning takes place in the context of your overall objectives and it is worth discussing this with both your accountant and your financial planner to maximise your long-term growth. There are many potential options you can pursue depending on your individual position.
circumstances and goals. Your personalised wealth creation strategy will include a roadmap for all aspects of your financial future and will ensure that you can look forward to a comfortable retirement without experiencing hardship along the way. We will help you maximise returns,minimise tax, and protect yourself and your family.
Your wealth creation plan is based on the assumption that you will stay healthy and live to a certain age. Risk insurance ensures that you can continue to meet your financial goals even if you are unable to work due to accident or illness, and that your family is taken care of as well. We’ve all seen the impact of injury, illness, or death on others’ circumstances and we encourage our clients to protect against this.
Over the years Story Wealth has developed strong ties with a range of specialists whom we respect and are happy to refer to our clients. In the event that you require the services of other professionals we would be delighted to make a recommendation to one of our trusted advisors.
“Over many years those who sought to advise me regarding my finances invariably tried to impose those ideas which appealed to them. Anne was recommended to me by my accountant and when I first saw her went to considerable lengths to establish what it was that I was seeking for my future, including in many areas which it had not occurred to me to consider, and then provided the advice to achieve that goal. As a consequence I retired last year in circumstances which I would never have achieved without her guidance. She was the only person who took the trouble to find out what was was important to me ad then to help me achieve that. “
“My wife Rita and I came to McPhail’s financial planning for advice as they had come highly recommended by our accountant (who is also a client of McPhail’s). The first thing I noticed when I came to their offices was the number of awards Anne Graham had won as a financial planner. As we met with Anne and her team over a series of meeting, I came to understand why she had won these awards. We found Anne (and the team at McPhail’s) to be very warm and friendly but also highly professional and able to help us navigate our way through our many wishes and desires for our financial future. The final report they produced for us was very detailed but easy to read and digest and contained a wealth of knowledge to help us properly plan for our future. Overall we were very happy with our experience at McPhail’s and plan to have them advise us on our financial future going forward”
“Before walking through the door of Story Wealth Management, I was feeling completely overwhelmed. After a recent separation and with my financial settlement pending, I was faced with some big decisions about the next steps, regarding my financial future. Having limited knowledge and experience in this area, it was reassuring to have Anne Graham and her wonderful team talk me through the various options in such a way that gave me confidence to be able to make informed choices about which way to go. It was very helpful to have a kind and sensitive team, who not only listened to me and assessed my needs and concerns, but have developed a financial plan for me, that will ensure my financial security up to retirement age and beyond. I cannot recommend ‘Story Wealth Management’ highly enough, for their expertise and attention to detail. I have valued their input and guidance enormously, and am looking forward to an ongoing relationship with them.”