Having a financial plan in place will help you deliver a future without stress for you and your loved ones – but you already know that. What you might not know is how to make it happen! Well, that’s where we come in…

With SmartMoney on your side, you can stop worrying about what the future holds and take the right steps to providing security for your family in the years ahead. Our team of experts will craft a financial plan based on your current circumstances and your personal aspirations – however ambitious they might seem right now!

We’ll give you a long-term solution to your money issues and inefficiencies, as well as show you how you can maximise your personal finances and save thousands in tax bills. And here’s the best part… You’ll never get a cookie-cutter approach that works for just anybody. All of our strategies are tailored to your specific needs.

Maybe you’ve already dipped your toe in the water – but watching the market go up and down like a yoyo has you spooked… You’re not alone! A lot of our clients come to us with big plans for their investments – but little knowledge of how to succeed in the market. And that’s okay… It’s our area of expertise, not yours!

The last thing we want to do is let you loose in the market with no guidance – that’s a sure-fire way to fail! But what we can do is provide you with an investment strategy tailored to you that has the right risk to reward ratio based on your current financial situation. You’ll finally feel comfortable and confident in taking things forward.

There are so many options available to you when you want to get started, like managed funds, Australian or international shares, residential or commercial property and much more. You might not want to put together a portfolio alone, so the SmartMoney team is here to design a strategy that goes a long way to securing your financial future – and can be easily adjusted depending on your requirements.

More and more Australians are choosing to do just that, opting out of government or private super schemes so they can go it alone. And we say, ‘bravo!’ Why shouldn’t you make your own decisions on where to invest?

Self-Managed Superannuation Funds (or SMSFs for short) have become a popular option for our clients looking to keep a nest-egg for retirement – but it might not be right for everyone… It’s our job to help you assess if an SMSF is going to work for you – or if you might be better off going down a slightly different path.

Our team will work directly and diligently with you to make sure any decisions you make align with your current financial situation – as well as your future goals and objectives. Oh – and we’ll even help with all the boring legal stuff to help you report on your superannuation correctly. Just get in touch to find out more!

If there’s one thing we’ve learned about Australians over the years, it’s that they LOVE owning their own home. And sometimes, they don’t just stop at one! Problem is, not everybody feels comfortable building a property portfolio and – even worse – they think that buying investment property is out of their reach.

In reality, it’s not – and it can be a wise financial decision for most people if handled in the most effective way. Whether it’s long-term capital growth, the ability to minimise income tax or simply putting more money in your pocket, there are plenty of reasons in favour of getting started on your own property journey.

With professional expertise in designing and managing substantial property portfolios, the team at SmartMoney is well positioned to help you invest directly or via a managed property fund. We’ll leverage the market and plan for your financial future. And whatever we do, it’ll be the right option for you and your family.

Retirement shouldn’t be the time when you stop living a comfortable life. In fact, we say it should be the opposite! You’ve earned the right to finally enjoy yourself without working hours on end to keep the money coming in. The sad news is that 90% (seriously, 90%) of Australians retire without financial security and have to rely on other means.

That’s why it’s so important to plan for your retirement well in advance. Even if you plan on working for a few more decades, the sooner you start saving, the less you need to put aside on a regular basis. It’s a win-win… You’re giving yourself more time to save while also minimising your risk in the long-term!

At SmartMoney, we work with people across the country to put the right financial strategies in place that can secure a comfortable future. Regardless of your current age or financial situation, we’ll set up a medium to long-term plan that means you won’t have to change your lifestyle in your senior years.

Whether you’re a first-home buyer, refinancing an existing property, or borrowing to invest, you want your property journey to be as smooth as possible. Problem is, there’s an awful lot of information to take in and plenty of hurdles to overcome.

Truth is, the structure of your home loan has a huge impact on the amount of wealth you can create through property. It’s not just about low interest rates – each loan should be tailored to your circumstances based on sound financial strategy.

At SmartMoney, we make sure you have the right loan structure so that you can do what you want to do, precisely when you want to do it when it comes to property. With us, you get access to the right team with the right strategy – every single time.

With more than 30 lenders available on our approved panel, we find you the investment loan with the most flexibility and control over your assets – all so you can pay off your mortgage quickly and feel totally confident in your financial future.

Estate planning is essential for anyone who owns a property or share portfolio – the last thing you want is to lose control of your financial assets when you’ve worked so hard to build them! At SmartMoney, we have a team of professionals who design a plan for your estate that adheres to your wishes and protects your family.

Wills
Most Australians already have a will because it’s essential when it comes to protecting your assets. And without one, the courts can decide who benefits from your estate – especially controversial with blended families. That’s why we’re here to help with writing and creating your own legal will.

Power of Attorney
If you’re incapable of making your own legal and financial decisions, you need to have a Power of Attorney in place. Put simply, it gives someone you trust the ability to act on your behalf. We believe in making these plans while you’re still fit and well to avoid any issues – and we’re available to help whenever you need us.

Medical Directives
In the unfortunate event that you become so unwell or incapacitated that you can’t make independent decisions about your welfare, we can help you draft a medical directive – a way of ensuring that your care and accommodation choices are known even after your health deteriorates.

Trust Funds
Trust funds are commonly created to protect and manage assets when beneficiaries are underage. SmartMoney can work with you and your family to protect and preserve specified assets for your dependents – as well as creating a Testamentary Trust will to provide the maximum amount of flexibility when distributing your assets.