Services

Services

As a family owned business with over 27 years of financial planning experience, Creative Wealth Ideas Financial Planners are well equipped to consider your circumstances and develop strategies to help you achieve your goals and objectives. Your goals and objectives may include:

  • Buying a home
  • Starting a family
  • Funding your children's education
  • Maximising an inheritance
  • Retiring comfortable
  • Providing for you and your family in the event of death, illness, or injury
  • Passing your assets effectively onto the next generation

Creative Wealth Ideas Financial Planners establish long-term professional relationships that walk you through the various stages of your life and ensure your goals are continuing to be met. We do this by being industry experts in the following key elements of the financial planning process:

Personal Insurance

Personal insurances provides you and your family with a benefit in the event you suffer and accident or illness. The five main types of personal insurance are Income Protection, Death, Total and Permanent Disability, Trauma, and Business Expenses Cover.

At Creative Wealth Ideas, it is our role as your Financial Planner to determine the right amount of insurance coverage for you and your family based on your personal circumstances. We will also discuss with you the most cost effective way in which to fund the cover now and into the future.

As your personal circumstances change, it is our role as your Financial Planner to revisit your cover to ensure it remains appropriate.

Superannuation

Superannuation is a tax effective environment with its own unique set of rules and regulations. Through superannuation you can invest in a number of different underlying investments (see below). Given it is compulsory for employers to pay superannuation on behalf of their employees, most people have some form of superannuation. Superannuation is generally one of the largest assets an individual will have in retirement.

At Creative Wealth Ideas, it is our role as your Financial Planner to determine the right superannuation structure and which investments are most appropriate given your personal circumstances. We will also discuss with you the most effective way in which to build your superannuation assets to fund your retirement.

Creative Wealth Ideas Financial Planners are also licensed and authorised to discuss with you the merits of Self Managed Superannuation Funds, which can allow you to take even greater control of your superannuation savings.

As your personal circumstances change, it is our role as your Financial Planner to revisit your superannuation arrangements to ensure they remain in line with your objectives.

Investments

Investments, be they superannuation or non-superannuation, generally come in three forms:

  1. Managed Funds
  2. Direct Shares/Listed Property Trusts
  3. Direct Property

At Creative Wealth Ideas, it is our role as your Financial Planner to determine the right mix of investments based on your personal circumstances to achieve your stated objectives, whilst ensuring that your investments match your appetite for risk.

As your personal circumstances change, it is our role as your Financial Planner to revisit your Investments to ensure they remain in line with your objectives.

Aged Care

Given Australia's aging population, the need for Residential Aged Care services will continue to grow into the future.

At Creative Wealth Ideas, it is our role as your Financial Planner to work with you and your family in exploring how you fund a placement into a Residential Aged Care Facility. In addition, we navigate you through the complex Aged Care framework to give you a realistic estimate as to how much the facility is going to cost you ongoing and the impact that these costs will have on your retirement.

Retirement Planning

Planning for retirement comes with a unique set of stresses and considerations. How much do I need to retire on? How long will my money last? Can I get an Age Pension?

At Creative Wealth Ideas, it is our role as your Financial Planner to provide answers to these questions and assist you in reaching a quality of retirement you have worked a lifetime for. We also navigate you though the ever changing financial landscape, minimising risks to your financial position and safeguarding what you have.

As things change, we are there to step you through the changes and keep you on track with your financial freedom.

Self-Managed Superannuation Fund

Those individuals wanting greater control of their superannuation savings may wish to explore the appropriateness of a Self-Managed Superannuation Fund. At Creative Wealth Ideas, it is our role as your Financial Planner to step you through your roles and responsibilities as a Trustee of a self-managed superannuation fund. Furthermore, where appropriate, we can assist in the establishment and ongoing maintenance of a self-managed superannuation fund.

In addition, Creative Wealth Ideas has the expertise and a network of professionals covering all aspects of self-managed superannuation fund investing whether it be direct shares, borrowing to invest into direct property, managed funds, and deposit based products.