Financial Planning
Lardner Partners Financial Planning provides advice and implementation services in the following areas:-
- Wealth Creation
- Retirement Planning
- Estate Planning
- Debt Structuring
- Wealth Protection including Personal Insurance
Our philosophy is twofold:-
· Stick to a financial plan that is supported by investing and protecting our client's hard earned income or business profits to accumulate wealth
· To attend to the financial tasks our clients do not have the time to do
Many financial planning strategies and decisions involve complex tax considerations. Lardner Partners Financial Planning has direct access to accountants within Lardner Partners Group, ensuring that all tax consequences are fully considered in any recommendations made.
Lardner Partners Financial Planning Pty Ltd ABN 34 622 017 921, Corporate Authorised Representative (ASIC 1262703) of Paragem Pty Ltd ABN 16 108 571 875 Australian Financial Services Licence 297276
Website: www.paragem.com.au Tel: (02) 8036 6490
Further Information:
Financial Services Guide: FSG Part 1 – 1 Mar 2024
Complaints Process:
COMPLAINTS
Retirement Planning
The earlier you start thinking about your financial needs in retirement, the more likely you are to achieving them. It is equally as important to stick to a plan in retirement to ensure your nest egg continues to meet your financial needs.
Retirement planning goes beyond simply saving for retirement with the right structure and investment portfolio adding a significant amount to your retirement nest egg.
We can assist you with:
· Understanding how much you need in retirement
· Whether you want to have assets left over for your children
· Formulating a plan to meet your retirement needs
· Tax effective strategies before and during retirement
Investment Advice & Portfolio Management
Having a robust investment plan supports any wealth accumulation strategy, whether it be saving for retirement or for some other purpose.
Given all investment markets work in cycles, we take a long term approach when it comes to investing.
We understand that the performance of different investment markets can vary from year and as such design our investment portfolios with this in mind to limit volatility (ie: the size of swings between gains and losses).
It is important to continually monitor and adjust any investment portfolio. This includes increasing and decreasing specific investments to maintain a suitable level of risk and removing investments that are deemed no longer suitable.
Whilst we provide advice regarding allocation to various investment markets, we outsource the selection of specific stocks to experts via investing in managed funds.
We can assist you with
· Appropriate allocation among various investment markets
· Investment selection
· Ongoing reporting and monitoring
Superannuation
Superannuation remains the best form of savings for retirement. The way in which your superannuation is structured can make a significant difference to your retirement nest egg. People often do not know how their superannuation is invested within their superannuation fund which can result in either a pleasant surprise or unwelcome shock when markets are volatile.
We can assist you with:
· Selecting an appropriate superannuation fund
· Ensuring your investments within superannuation suit your appetite for risk
· Consolidating multiple superannuation accounts
· Making decision regarding how to access death benefits being paid to you
Estate Planning
An effective estate plan ensures your assets are passed on according to your wishes and suitably protected.
You should also have plans in place allowing those you trust to manage your affairs or make medical decisions on your behalf in the event that you are not able to do so.
When someone passes way, only assets that they own will transfer to their estate to be dealt with by their Will. This means that extra consideration is required where you hold assets in a company or trust.
When it comes to estate planning, superannuation is a complex area and getting it wrong can be costly.
We can assist you with:
· Identifying assets you own
· Assisting you with planning to whom to pass your assets
· Effective ways to pass on your assets
· Dealing with assets in companies and trusts
· Dealing with your superannuation
· Working with a lawyer to ensure your instructions are accurately documented
A lawyer who specialises in estate planning should prepare your Will and associated documents. We can refer you to one if required.