Financial Services
At Condor Wealth Solution, we are professionals in providing financial planning advice.
Our area’s of expertise include:
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.
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
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.
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
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.
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.
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.
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.
Taxation Strategies
At Condor 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 Count Financial Limited.
We offer a FREE Initial, No Obligation Consultation!
Contact us today for a no obligation and cost free, initial introduction to our financial planning services
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.*