Services
A comprehensive range of services
Whether you are just starting the journey to financial freedom, or about to retire and enjoy the rewards of your hard work, Invest4life has a range of services to meet your needs.
Investment advice
Helping you to build, protect and manage your wealth is our primary responsibility. Our financial advisers provide practical advice on investment strategies tailored to suit your individual goals, preferences and risk tolerance. The engine of your financial plan is a broad selection of investments. These might include managed investments such as unit trusts, superannuation funds, complying pensions, allocated pensions and annuities, together with direct investment in local and international shares, property, fixed interest and cash.
Gearing strategies and debt management
Debt management and borrowing (gearing) strategies are an important part of building wealth. Borrowing to invest has always been central to the wealth creation process but it can also be risky if you don’t have the right advice. Helping you to build, protect and manage your wealth is our primary responsibility.
Superannuation
Superannuation is one of the most tax-effective methods to save for retirement. Our financial advisers will develop a strategy that maximises the tax benefits of your superannuation, increasing the funds available for your retirement. They can also provide simple explanations on topics such as salary sacrifice, self-managed superannuation funds, contribution strategies (including spouse contributions), life insurance options, and how to generate an income in retirement.
Retirement planning
People today are retiring earlier and living longer. While this is a healthy trend, it also means you must take steps to preserve your capital. Our financial advisers can help by providing practical advice on how to reduce the impact of inflation and maximise social security entitlements. They will also explain how to build your retirement capital while you are still working and how to maximise the benefits of rollover strategies and discretionary trusts.
Redundancy planning
Retrenchment can be a difficult and stressful experience and it is not a time when you want to face the burden of financial decision making alone. Our financial advisers will help you manage your termination payments, debt restructuring and income requirements.
Taxation planning
Taxation planning is an integral part of your overall financial plan and it underpins the aspects of our investment advice. Our financial advisers will work with your accountant or taxation adviser to develop strategies that will minimise your tax liability.
Estate planning
Approximately half of the Australian population does not have a valid will when they die. in conjunction with your solicitor, we will develop a tax-effective estate plan tailored to meet your individual requirements. The plan will incorporate powers of attorney, wills, prepaid funerals and testamentary discretionary trusts. The end result is an estate plan that provides for your beneficiaries and protects your assets.
Succession planning for business
A properly structured succession plan will have agreements and funding arrangements in place to ensure the business continues in the event of unforeseen or adverse circumstances. These might include the extended illness, retirement, permanent disablement or death of the proprietors, key staff or guarantors.
Insurance planning
Protecting your income and assets through the proper use of insurance is a key element in the financial planning process. Our financial advisers will ensure you have adequate cover through life, total and permanent disablement, trauma and income protection insurance. Appropriate insurance cover is also a prerequisite for many of our recommended estate and succession planning strategies.
