SELF-MANAGED SUPERANNUATION
Take back control of your super investments with a Self-Managed Super Fund (SMSF). It’s a decision many Australians are choosing to make, ensuring you are invested into causes and companies you support and also maximising your return on investment. Humble Goode offer expertise in establishment, structuring and investment advice for SMSF’s and can guide you to a tax effective and goal orientated retirement. Give us a call, or visit us at our Adelaide based offices to learn more.
SUPER SPLITTING AND DIVORCE
We understand that sometimes marriages don’t work out. When you have accumulated many assets as a couple, splitting them equitably becomes incredibly important. We work with you and your solicitors to ensure you are not unfairly treated (including being aware of all tax consequences), can assist you with the splitting of assets and guide you to make wise investment decisions at a time of uncertainty and worry.
SUPER SA -TRIPLE S, LUMP SUM AND INCOME STREAM
We specialise in providing strategic advice to South Australian State Government employees and have a strong working knowledge of Super SA products, which have some unique advantages over standard retail or industry funds. Contact us to see how we can use your constitutionally protected super status to create more tax effective pre-retirement planning strategies, to maximise your future retirement income. We also work closely with Statewide Super and NGS Super, for any ex or current non-government employees.
AGE CARE PLANNING
If you or a loved one are considering a transition to an Age Care facility, there are a number of important considerations to be made. We can assist you with complex Age Care Assessment (ACAT) assessments and will work with you to optimally structure your assets, to provide the best opportunity of getting into the facility of your choosing. The way you pay for Age Care fees, whether via a Refundable Accommodation Deposit (RAD), a Daily Accommodation Payment (DAP) or a mixture of both can have a large impact on future benefits for your next of kin, so its important you structure your journey to ensure benefits pass the way you want them to.
INVESTMENTS AND EQUITY TRADING
We offer both advisory and non advisory share trading services. We have extensive experience investing into the stock market and are passionate about creating long term, tax effective & income generating investment portfolios. You can rest easy knowing you have a trusted adviser to guide you throughout all stages of your investment journey.
BUSINESS AND TAX STRUCTURING
Are you a business owner wanting to know if your affairs are structured correctly? Are you curious to learn more about the benefits of holding your assets inside a trust? If the answer is yes, give us a call. We have helped hundreds of South Australians protect their assets and ensure business longevity through our strategic business advice.
PSS, CSS AND DEFINED BENEFIT SUPER SCHEMES
Many of our existing clients have active super accounts through their employment with the Federal Government, and we know their products inside and out. We will work with you to explain all important concepts in terms you understand and ensure you are in the best possible position when you retire. If you have a defined benefit super product, your retirement income is structured differently to that of your family and friends. We will explain the advantages of ‘defined benefit’ super funds, but will also educate you on potential estate planning implications for future beneficiaries.
CENTRELINK & SOCIAL SECURITY
The Department of Human Services (Centrelink) can be difficult to deal with at the best of times, and if you submit the wrong paperwork, wait times to rectify an issue can take months. But it doesn’t have to be this way! We have extensive experience dealing with Centrelink and can assist you with updating your assets and income, to ensure you maximise any benefits and are not penalised for incorrect reporting. We have helped many South Australians apply for Age or Widowers Pensions, and can even assist with strategies to help boost your pension payments. Gain peace of mind with a long-term retirement strategy by speaking to us today.
TRUST AND COMPANY ESTABLISHMENT
We work alongside a number of superannuation and tax law specialists to provide you access to the tools required to thrive in your professional life. We can then work with you to ensure your assets are correctly structured, to create a long term, tax effective plan for you and your business.
ESTATE PLANNING
Its not something we like to think about, but something we all must deal with. Having an up-to-date estate planning strategy in place can provide great peace of mind to you and your loved ones and ensure your assets pass to the beneficiaries of your choosing. Dying without a valid will and death benefit nominations in place can have catastrophic consequences, so don’t leave it to chance.
PRE AND POST RETIREMENT PLANNING
There are many important considerations when you are thinking about retiring…Is my super balance large enough to support me? Do I have enough income to survive comfortably? How do I start an account based pension? We provide peace of mind with our tax-effective retirement planning strategies, giving you a clear and concise roadmap for your future.Our personalised modelling tools and calculators offer a deeper analysis of your retirement, leaving you satisfied that every stone has been uncovered.
RISK INSURANCE
If you have a mortgage or pay rent, you know how important a steady income is. Imagine for a second that you were injured in an accident and were unable to work for the next 6 months. Would you have enough savings to meet your monthly mortgage repayments, whilst still providing for yourself and your family? Most Australians wouldn’t last more than three weeks before cashflow became tight. This is where Income Protection can literally be a life saver. Get up to 75% of your monthly income replaced whilst you are unable to work, providing the necessary cashflow to get through whilst things are at their toughest. We also provide Life, Total & Permanent Disability (TPD) and Trauma Insurance cover, so you can sleep well at night in knowing your loved ones financial futures are secure. We have access to a wide range of providers, to ensure you are getting the best solution for your unique needs.