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Our Services Toowoomba Financial Centre Pty Ltd is a Corporate Authorised Representative of Charter Financial Planning, an Australian Financial Services Licensee. Our advisers are authorised representatives of Charter Financial Planning. We provide a wide range of financial services through our practice. Below is an example, but not limited to. Each of Toowoomba Financial Centre's adviser's Financial Services Guide (FSG) is shown next to their name on the Legal page. Please click this FSG Link to go to the Legal page for the adviser of your choice. Asset Protection This advice is based upon your goals and objectives for your business and /or your personal life and forms an integral part of your overall financial plan. This service also provides for a review of your existing Insurance Protection and it's appropriateness to your business and personal situation now and in the future. We provide advice on insurance products from a Recommended Products List that has been fully researched and approved by Charter Financial Planning. This includes a number of different insurance companies. Personal Protection This advice is based upon your goals and objectives for your personal life for you and your family and forms an integral part of your overall financial plan. This service also provides for a review of your's and your family's existing Insurance Protection and it's appropriateness to your familily's overall situation now and in the future. We provide advice on insurance products from a Recommended Products List that has been fully researched and approved by Charter Financial Planning. This includes a number of different insurance companies. Salary Packaging This advice is based upon your goals and objectives relative to how you want your salary paid. That is, does your employer allow for you to direct some of your salary to pay for select expenses before tax? Can you salary sacrifice (redirect part of your salary) into superannuation before tax? Are you able to package a car within your salary? Please check with your employer as to what expenses you can or can not salary package. Wealth Protection This advice is based upon your goals and objectives for you and your family and forms an integral part of your overall financial plan. Once a strategy has been agreed upon with you for your future planning and the use of financial products are required to provide a solution for a recommended strategy, we are able to provide advice on products from a Recommended Products List that is backed up by expert financial investment research and technical support approved by Charter Financial Planning. This includes some 30 Fund Managers and 300 Investment Products available in Retail format or via a Master Trust or Wrap Account, all tailored to suit your individual needs. Retirement Planning Over the past twentyeight years with the number of legislative and tax changes, Superannuation has become a very complex issue to understand for most Australians who prefer to have someone they can trust and rely upon to assist them with these matters. Despite these changes, It forms an integral part of your financial planning in helping you achieve your lifestyle goals and objectives in a very tax efficient manner. We provide advice on Personal Superannuation Plans, Company/Corporate Superannuation Plans and Self-managed Superannuation Plans. Living in Retirement Over the past twenty seven years with the number of legislative, CentreLink and tax changes, retirement planning has become a very complex issue to understand for most Australians who prefer to have someone they can trust and rely upon to assist them with these matters. We are able to help our clients achieve the best outcome for their retirement income by using the assets they have together with maximising their CentreLink or Vet Affairs age pension entitlements and minimising the effects of income tax. Superannuation - How much is enough? The results of the Westpac/ASFA research released in February, 2004 identified how much it costs for an Australian to have a comfortable lifestyle in retirement. Updated research on this data shows that the annual cost of living rose slightly in the September 2011 quarter. The new figures show that:
The budget for a comfortable retirement lifestyle generally includes costs that would enable an older healthy retiree to be involved in a broad range of leisure and recreational activities and to have a good standard of living through the purchase of items including household goods, private health insurance, a reasonable car, good clothes, as well as domestic and occasional international travel. The research was commissioned by Westpac from the Association of Super Funds of Australia (ASFA). It was undertaken in conjunction with the Social Policy Research Centre of the University of New South Wales. We can help you determine how much income you want at retirement. Estate Planning A properly considered and implemented estate planning process involves arranging your assets and circumstances to ensure that your beneficiaries derive the maximum benefits from your assets for their use and enjoyment by minimising the cost of taxes and duties. Succession Planning - Farms & Businesses Over the past twenty years with the number of legislative and tax changes, succession planning for your business or farm has become a very complex issue to understand for most business people and farmers who prefer to have someone they can trust and rely upon to assist them with these complex matters.  |
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