You’re on a unique path to fulfilling your own personal goals, dreams & desires and we want to help you get there. Your values, stage of life & your goals will likely differ from the person next to you - YOU ARE UNIQUE.

Our diverse experience in our own lives and with that of our many clients helps us understand how we can help you navigate and simplify the sometimes over complicated world of finance and financial & retirement planning.

We are here to help you achieve your story as small or as large as that may be.

Throughout our financial planning process we will share our expert strategies to grow, manage, and protect your wealth no matter what stage of life you’re currently at.

YOUR VALUES, GOALS & NEEDS ARE AT THE FOREFRONT OF OUR ADVICE.

Live comfortably after you stop working

Whether you’re planning to retire over the next few years or in 30 years’ time, our experts will help you find the right balance between fulfilling your immediate financial goals and saving for the lifestyle you want after retirement.

We’ll review your circumstances to understand where you currently stand, determine when you can realistically retire, and calculate how much you’ll be able to spend on the things you want to do when you retire.

All it takes is a little thoughtful planning to make sure nothing gets in the way of your retirement dreams, whether you’re planning to purchase a vacation home, travel the world, start a new business, or leave a sizeable inheritance.

Start preparing early to find new streams of income and develop budgeting strategies before you reach your work-free years.

We discuss the myriad of insurance options available and decipher the legalese to identify solutions that best serve your unique risk parameters and lifestyle, all presented in a personalised report so you can make a clear and informed decision.

It isn’t fun to talk about, but accidents and illness happen. An unexpected loss of health, physical ability, or even life, can leave your family suffering from an unexpected loss of income in addition to the emotional trauma.

What if I lose my job? What if I fall ill or have an accident? What if I pass away? But it’s only when you take the what-if uncertainty out of life that you can focus on enjoying the here and now, safe in the knowledge your loved ones will be OK, whatever happens.

You can’t predict the future, but you can protect yourself against it financially through a life insurance policy that meets your needs and the needs of your family.

a) Life Insurance

These policies pay a lump sum benefit on the event of your death or permanent disability, to help your family maintain their standard of living.

It prevents your family from having to resort to unfortunate measures (selling assets, selling a business, etc.) to cover large expenses such as funeral costs, mortgages, loans and school fees.

b) Total & Permanent Disability

These policies pay a lump sum benefit on the event of your death or permanent disability, to help your family maintain their standard of living.

It prevents your family from having to resort to unfortunate measures (selling assets, selling a business, etc.) to cover large expenses such as funeral costs, mortgages, loans and school fees.

c) Income Protection Insurance

This policy provides you with coverage for up to 75% of your gross monthly income if you are unable to earn due to sickness or injury. It will help your family cover regular expenses such as food, petrol and mortgage payments while you recover.

d) Trauma Insurance

This policy pays a lump sum benefit if you are diagnosed with a specified medical condition, to give you the financial freedom to concentrate on recovery without worrying about medical expenses, lifestyle changes, and bills.

Conditions covered include traumatic or life-threatening illnesses such as cancer, heart attack, or stroke, and will depend on the level of cover that you select.

e) Business Insurance

Providing certainty for business partners

Good estate planning isn’t simple; but done well, those complex family relationships and financial affairs can be arranged to avoid conflict and costly mistakes. An estate plan normally includes a Will, enduring power of attorney and an enduring power of guardianship.

For many of our clients a family meeting is arranged so the immediate family has an opportunity to understand the wills and estate plan in advance.

a) Wills

For families with significant wealth, a positive legacy for children and grandchildren is often the most important goal, and let’s face it, we all want to be remembered for the happy memories, rather than for any mess we may leave behind.

A well-considered legacy plan will include a carefully prepared Will. This is the crucial document that determines whether your legacy is a truly beneficial gift, or a sad burden.

Your Will determines how your assets will be distributed after your death and done well it sets your loved ones up for a bright future. We take the complexity and jargon out of the process, lead the conversation, and ensure that you avoid misunderstanding and conflict down the track.

b) Enduring Power of Attorney

Life is uncertain and it’s possible that at some point in your life, due to illness or an accident, you may not be able to handle your own financial affairs.

An enduring power of attorney enables to appoint a trusted attorney to oversee your financial affairs – if you can’t. The person you appoint must be of the highest integrity so that you can be confident your affairs will be looked after. These documents are powerful, and in the wrong hands can have devastating consequences – the wrong person will have freedom to deal with your money while you’re not looking.

You will need to think through your options and ensure you appoint the right person. That’s where we help.

c) Enduring Power of Guardianship

If you lose mental capacity for any reason, it’s not just your money that needs looking after. An enduring power of guardianship enables you to appoint the trusted person to look after you – your personal and lifestyle decisions. The care you receive and where and how you live will be in the hands of a trusted guardian so it’s important to choose wisely.

Our research experts regularly identify and communicate market developments to give you plenty of time to pounce on new investment opportunities. We aim to maximise your returns and minimise your risk, according to your personal tolerance. Our experienced advisers will help you build an investment portfolio that is individually tailored to your personal needs and risk tolerance, and provide you with ongoing advice, research, reporting and portfolio management.

You have the option to choose between a professionally managed portfolio, a term deposit & cash service, and an advisory service that gives you complete control over your investments.

We develop individually tailored strategies which are appropriate to your needs. Pacific Wealth Solutions is registered as a Tax (Financial) Adviser under the Tax Agent Services Act 2009 (TASA) – Registration number 26088468.

When was the last time you took a good look at your superannuation?

A growing number of Australians are relying on superannuation to fund their retirement, and a few strategic adjustments — the earlier the better — can make the difference between struggling and thriving after you retire.

Our experts will guide you through the process of choosing the right super fund for you, determining your optimal contributions, optimising your investment strategy, and more, to make sure your super will be there for you when you need it.