Financial Services

At Condor Wealth Solution, we are professionals in providing financial planning advice.

Our area’s of expertise include:

Retirement Planning and Pensions

Self-Managed Superannuation Funds

The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

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Superannuation Advice

Superannuation is an essential component of your retirement. As current and future generations live longer the reliance on superannuation and its benefits becomes even more important.

Your team at Condor Wealth Solution can ensure that your superannuation strategy is best structured and suited to help you achieve your lifestyle goals, investment choice and asset allocation.

Quality advice is essential to superannuation in helping those in retirement or thinking about retirement achieving a preferred lifestyle.

We advise on:

Consolidation of superannuation
Contribution to superannuation
Tax advice of superannuation
In-specie transfer of assets to your superannuation
Asset allocations
Investments
Life insurance within superannuation
Transition to retirement

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Retirement Planning

There are lots of questions to ask when it comes to planning your retirement and whether you can afford to retire.

Retirement can mean many things to many people. For instance you may want to be fully retired and not working and living on the pension for your self-managed super fund.

Alternatively, it may mean reducing your working hours and supplementing your working hours from funds supported from your superannuation fund.

It could possibly also be a lifestyle decision, where you may want to travel more and help your children or grandchildren who are starting out on their own journey.

At Condor Wealth Solution, we assist you with determining these options and whether they make financial sense.

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SMSF Advice & Strategies

At Condor Wealth Solution, our team of Financial Planners can advise you on all your Self-Managed Super Fund (SMSF) needs.

These include:

Establishment of a Self-Managed Super Fund
Structuring investment strategies
Investment recommendations and implementation including ongoing portfolio advice
Wealth protection insurance held within a SMSF
Contribution strategies to your SMSF
SMSF Pensions
Limited Recourse Borrowing Arrangements for the purchase of properties within the SMSF
Winding up your SMSF

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Investment Advice

Investment advice is about long term wealth creation and requires an appropriate strategy to help you achieve your short term and long term needs.

It is important to remember that all investments contain inherent risks and in order to achieve an investment return above the current cash rate it requires patience, tolerance and time.

Here at Condor Wealth Solution we prepare and select a well-diversified and researched investment portfolio to meet your investment needs and work with you to minimise any global or domestic shocks to your investment portfolio and offer regular reviews of your investments to help keep up-to-date with global and local market conditions, and the continuing performance of your portfolio.

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Personal Insurance

Personal insurance protects the most important asset you have – you. It does this through covering your wealth and your assets in the event something unexpected occurs, such as a serious injury, accident or long term illnesses. This in turns helps protect your future and the future of your family.

We can assist in selecting the right insurances for you, which would include:

Life insurance
A lump sum payable on death or terminal illness. This can help support your dependants to maintain living standards or pay off debts.

Total and permanent disability (TPD) insurance
A lump sum to help support you if you are totally and permanently disabled due to illness or injury.

Income protection insurance
A monthly income stream to help support you if you are temporarily unable to work because of illness or injury.

Trauma insurance
A lump sum to help support you if you are diagnosed with a specified major medical condition (eg. heart attack, stroke or cancer).

Business Insurance
Business insurance protects the asset you have in your business if something happens to you or your business partner.

This is an important part of protecting yourself and your family. It does this through covering the ‘value and revenue’ you and your partner adds to the business, ensuring that in the event something unexpected occurs, such as a serious injury, accident or a long term illnesses, the doors to your business stay open.

This is achieved through:

Business expense cover
Covering your general business expenses, such as rental costs and non-revenue earning employees.

Key person cover
Cover designed to replace the revenue and/or good will value that a key individual adds to your business.

Buy/sell agreements
This allows a business partner/s to buy out a deceased or permanently disabled partner’s equity while assisting in the funding of a fair purchase price.

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Gearing Strategies

There are various investment strategies that used borrowed money to create additional wealth and grow personal assets.

A well thought out gearing strategy can possibly:

Magnify your investment gains
Provide deduction advantages for interest and borrowing expenditure
Can allow for the creation of imputation credits to reduce the amount of tax you pay by investing in shares which provide strong dividend returns and franking credits attached

Possible risks and pitfalls of a gearing strategy could include:

Poor market returns may make it difficult for you to sustain loan repayments
Poor or lower than expected returns may reduce or outweigh the benefits of such a strategy.

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Strategy Only Advice

Here at Condor Wealth Solution, if your focus is only just on your Financial Strategy and nothing else, then we can review and optimise this strategy for you before determining what products you may need.

Estate Planning

Estate planning is vital to ensure that you protect yourself and your family in the event of death.

A crucial part of Estate Planning is to take into account the needs of your spouse or partner, and family to ensure that your assets are distributed to designated beneficiaries whilst considering the most tax effective solutions for distributing your assets on death.

At Condor Wealth Solution we will assist you with establishing an estate plan to be incorporated in your Will whilst ensuring those close to you are adequately looked after through such tools as an enduring power of attorney and guardianship document.

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Taxation Strategies

Wealth Solution we are able to provide personalised and tailored taxation advice which affects superannuation, personal investments whilst legally minimising your tax position to help you save towards your future retirement or any other financial goals that you may have. All our strategies will be tailored to your unique circumstances which will include but are not limited to looking at:

Optimising your superannuation
Contribution strategies
Salary sacrificing
Timing of investment sales for capital gains tax purposes
Transition to retirement strategies
Personal insurance strategies
Negative gearing strategies
Estate planning strategies

Please note that any taxation and accounting services are not endorsed nor the responsibility of Australian Unity Personal Financial Services Limited.

We offer a FREE Initial, No Obligation Consultation!

Find out how our services can help you

This free introduction will not include specific financial planning advice or a Statement of Advice, but will help you decide whether the services we offer are right for your needs.*