Superannuation Optimisation
Superannuation is one of the most tax-effective ways to build wealth.
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But not all superannuation funds are the same.
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So how do you know which will perform best for you and your circumstances and aspirations?
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By engaging with an Alito superannuation advisor, you are taking steps to ensure you have the best fund for you and are putting yourself in the best position for the retirement lifestyle you want.
There are many aspects of your superannuation arrangements that we can help with.
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Optimising Your Retirement Lifestyle Opportunities
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The performance of your superannuation fund will be one of the biggest influencers of your retirement lifestyle choices.
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We ensure that you have the right superannuation fund, and that it is set up properly and is reviewed regularly to maximise its performance over time.
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YOUR INVESTMENT CHOICES
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We ensure that your portfolio contains a balance of investment products that suit your investment preferences, stage, and risk profile.
YOUR FEE STRUCTURE
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We ensure that your fund remains competitive. Lower fees means better fund performance and fund balance in retirement.
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YOUR CONTRIBUTIONS
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We assist you with decisions on making additional contributions to your superannuation fund to maximise tax benefits and optimise your position in retirement.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Retirement Planning
Superannuation alone will not be sufficient to support the retirement lifestyle aspirations of most Australians.
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The retirement age for Australians has been increased to reduce the burden on taxpayers.
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Australians’ “she’ll be right mate” attitude often leaves retirement planning until much later than it should be, in many cases until it is too late to have any real impact.
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The earlier you start preparing for your retirement, the better your financial position and lifestyle options in retirement will be.
Preparing for retirement involves much more than just having a superannuation fund.
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Planning your retirement includes helping you determine how much money you will need to support the lifestyle you will want, and then designing, implementing, and managing over time, your pre-retirement asset accumulation trajectory and goal achievement at retirement.
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We provide peace of mind on your important retirement lifestyle choices such as, entertainment, travel, assisting family, and other contribution objectives.
We consider available support such as the Australian Age Pension and advise on what entitlements are available, your eligibility, and how to maximise any entitlement benefit.
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If you still have a home loan, we incorporate pay-down strategies in your strategy to minimise your living cost burden in retirement.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Wealth Creation Strategies
Wealth management is solving or enhancing your financial situation and achieving short, medium, and long-term financial goals.
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It is important to ensure that your today’s lifestyle choices are not overly sacrificed for a better retirement lifestyle position.
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Optimising your trajectory to the retirement lifestyle you want involves careful planning and management over time.
Your strategy must maximise your lifestyle options at every stage of life, ensuring that your current lifestyle choices are not overly compromised.
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The portion of Australians who retire self-funded is very low and the Australian retirement age may continue to rise.
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There are many investment options available, that cater to different interests and risk appetites.
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We apply our knowledge and access to information to source and manage the opportunities that will most suit your interests and goals.
We take care to ensure that these opportunities are presented in clear and simple terms to ensure sufficient understanding so that you can make confident investment choices.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Investment Option Analysis
Most Australians are interested in the opportunity to advance their wealth position.
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Yet most either do nothing or just do what they see others do and later report that that option was not right for them.
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The greatest barrier to investing is having a practical view over the opportunity itself and understanding its fit to the portfolio design or investment strategy.
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We have the knowledge and tools to analyse investment opportunities and provide you with potential outcome, comparison to other opportunities, and advice and recommendations that considers your overall retirement planning goals and strategy.
Most Australians report that they have had opportunities to invest but had declined to do so.
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In many if not most cases, they later acknowledge regret over having not taken that opportunity.
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Fear of loss or failure, born from a position of uncertainty and lack of knowledge or skill in determining a likely outcome is what is behind this.
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Because most Australians have personal experience in and therefore some knowledge of property, many choose this asset category to invest in. But living in property, is not sufficient preparation for success in investing in property.
Our process provides the information and support to assist and empower you to make confident choices on the options available and of interest to you.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Tax Planning
An effective financial plan involves more than the growth of your asset portfolio.
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Understanding tax implications of investment strategies is critical in evaluating any new financial arrangement.
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We assist you understand the tax implications of any change or addition to your wealth creation strategy and provide comparisons on alternatives to empower your choices.
It will be too late to consider tax implications after the transaction is complete.
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Determining and evaluating tax implications are a standard part of the considerations and recommendations of the wealth creation strategies of your financial plan.
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We regularly work with the accountants of our clients to ensure consistency and the fulfilment of our clients’ intentions.
Should you not have a current accountant relationship, we are happy to recommend our accountant partners, where we consider this to be in your best interest.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Lending Assistance
Banks and brokers are great at helping you fund your big purchases.
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But ensuring that loan arrangements and conditions suit your current and projected circumstances and interests is not their focus. Getting this wrong can prove costly.
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We are not credit brokers, but we can assist you by referring you to lending professionals who understand the principals under which we recommend lending strategies to achieve your financial goals.
Banks and lending service providers are an important partner in life.
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They provide the means to make acquisitions that would otherwise be out of reach for most Australians.
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We understand lending practises, loan features and conditions, and we advise you on how to best apply these in the fulfilment of your financial strategies.
​We are happy to recommend lending professionals we work with, who understand the principals under which we apply lending, and who operate with our required focus of always putting your best interest first.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Personal Insurance
Growing your assets is only part of an effective wealth creation strategy. Protecting your assets is another important aspect.
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You are a critical asset in the creation of your wealth position and the lifestyle of those it is designed to support.
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We include in your wealth creation strategy, insurance for the preservation of accumulated assets and continuation of your wealth creation strategies, against the various causes of loss of income in your financial plan.
Life & Total Permanent Disability Cover
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Life and total permanent disability insurance policies, provide a lump sum payout to compensate for the loss of income by the insured.
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We calculate and advise you on the level of cover suitable to your circumstances.
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We research and compare the policy cover, features, and fees of suitable available products, to help you choose the policy that best suits your requirements, circumstances, and occupation.
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Income Protection
Income protection policies provide temporary income replacement where the insured loses the capacity to work and earn an income due to sickness or injury that prevents a return to work.
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We help you determine the level of income protection and wait and benefit period conditions appropriate to your circumstances.
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We evaluate policy options and cost, and assist you choose and establish the policy most relevant to your occupation.
Trauma
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Trauma Insurance policies provide lump sum payouts on diagnosis of specified medical conditions.
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We maintain up-to-date knowledge on available policies, their conditions, features, exclusions, and fees.
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After firstly understanding your requirements and any pre-existing conditions, we assist you determine an appropriate level of cover and recommend the policy most suitable for your circumstances and preferences.
We assist you with the application process to ensure you have the best opportunity to qualify for the cover you want for the best possible price point.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Cash Flow Management
& Budgeting
Lifestyle is not the result of the income we earn alone.
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How we manage our finances day-to-day will have a significant impact on our lifestyle choices.
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We help you understand spending and saving behaviour and support you with effective but simple practises and systems. We even offer personal coaching.
Because our lifestyle options are influenced by our financial position, managing our cashflow is important in optimising our choices.
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We offer a cashflow review service, and practical advice on cashflow management opportunities and simple to use budgeting and finance management tools.
Also available to you are a personal coaching service and a bookkeeping/cashflow management subscription service.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Self-Managed Superannuation
Over the past decade, the presence of Self-Managed Superannuation Funds (SMSF’s) has been on the rise, proving them to be an effective option in wealth creation strategies.
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But SMSF’s may not be right for everyone, and they can prove costly when not.
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We will let you know whether a SMSF can be appropriate for your strategy and how you would benefit. We assist with setting one up and maximising its benefit to you over time.
Your Investment Strategy
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Each year your fund must outline an investment strategy.
And your fund must also adhere to that strategy.
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We can assist you with the annual design and preparation of your annual investment strategy, and assist you manage this to the extent you may require.
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Investment Advice
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Your SMSF should have a diversified investment allocation.
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We assist you with fund selection and evaluate and assist in the allocation to shares, fixed income, property, and cash.
LIMITED RECOURSE BORROWING ARRANGEMENT
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A SMSF is one structure that can take advantage of borrowing to acquire an asset.
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A Limited Recourse Borrowing Arrangement is used to protect the fund, and you, from future liability.
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We advise you on and assist with this arrangement as well as other options and aspects to assist you optimise returns whilst minimising cost and potential risk.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
Wills & Estate Planning
Estate Planning is about putting the right foundations in place to make sure your assets are distributed the way you want.
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To achieve this in a tax-effective way involves much more than just having a simple Will.
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We include estate planning as an important part of a comprehensive financial plan.
Death Benefit Nominations
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We assist you with recipient selection for your superannuation fund.
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We determine and present the implications for the recipient individuals being considered, to assist selecting the candidate most appropriate for your desired outcome.
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This process includes determining the taxation implications for adult-children beneficiaries.
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Wills & Testamentary Trust
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The loss of a loved one is a difficult time for most people.
Non-existing or insufficiently prepared wills can cause a significant delay in the settling of affairs.
To ensure your wishes are clear, and that asset transfer occurs correctly and in a timely manner, our financial planning process includes helping you put in place, a relevant and reliable Will or Testamentary trust.
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We review this regularly to ensure it reflects any changes to your wishes over time and ensures the interests of those you most care about.
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Our qualified experts help you establish the estate plan that is right for you.
General Advice Warning:
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The advice is general in nature and does not take into account the client’s personal circumstances;
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The client should consider the appropriateness of the advice before acting on it; and
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If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.
During uncertain times, good advice, practical support, and care and understanding becomes invaluable.
We can assist plan for the end of a working or business relationship whether it is known or anticipated.
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We can help to quantify the effect of changed income over time and recommend actions and at what points action needs to be taken to minimise the impact of cash flow changes.
We also provide a personal coaching service to assist our clients during what can be a difficult time.
General Advice Warning:
-
The advice is general in nature and does not take into account the client’s personal circumstances;
-
The client should consider the appropriateness of the advice before acting on it; and
-
If the advice relates to the acquisition or possible acquisition of a financial product, they should obtain a PDS relating to the product, and consider the PDS, before making any decision about whether to acquire the product.