Pre-retirement has crucial steps that need to be taken to maximise your wealth. Taxation can be reduced significantly before, during and after retirement if the planning is done right.

Retirement planning involves a number of strategies, whether it’s superannuation, investments, taxation, timing, age and your financial position.

Having an investment portfolio that can provide you with a passive income stream to meet your lifestyle needs is the ultimate investment objective.

Something as so important as this requires the investment portfolio to be managed through capital preservation, diversification and strategic asset allocation with the use of Stocks, Bonds, Property and Commodities.

Having your super in the appropriate fund and invested correctly at the right times can change your retirement dramatically.

A super account is held over decades and in this time there are opportunities to pay less fees and most importantly grow your balance extensively for retirement.

There are superannuation strategies that involve taxation and legislative planning that are essential to creating wealth.

Control and flexibility are so important when it comes to generating and preserving wealth.

Self-Managed Super Funds give greater ownership in your retirement funds, whether it’s purchasing property for business and investment purposes or purchasing Stocks and Bonds directly.

Self-Managed Super Funds can be a very cost-effective structure and can provide greater investment choice and control over investment strategies.

Having large amounts of debt is the new norm in our current economy to create wealth.

Having financial dependents that rely on income creates risk. Therefore, having an appropriate level and structure of insurance reduces that risk to keep on taking opportunities to create wealth.

Personal insurance includes Life, Total Permanent Disability, Income Protection and Trauma insurance that provides lump sums and income streams for unexpected events that cause injury, illness or death.