Pre Retirement

Wealth Creation involves the building of assets by means of careful investing to achieve the best possible outcome according to the type of investments you are most comfortable with.  We show you what investment options are available and guide you into making well informed choices. You’ve worked hard for your money and we want to make sure it can now work hard for you.

Together we create an investment plan that is based on your individual risk tolerance that can include direct investments, share trading, managed funds, portfolio construction and ongoing reviews.

Our financial Advisers are salaried employees of Wealth Solution Partners and do not receive incentives or bonuses.

Salary packaging is an Australian Tax Office approved way of restructuring your income. It enables you to divide your pre-tax salary rather than your after-tax salary – to either buy approved products or contribute excess income into your superannuation fund creating wealth for your retirement. This way it is taxed at the minimal rate.

Effective tax planning is becoming increasingly difficult as allowed deductions slowly get reduced or eliminated altogether. We can work alongside your accountant to ensure that the most tax effective investing can be a further option to diversify your portfolio.

Tax is a healthy by-product of successful investing and generating a tax bill from your investments means you’re also generating income or capital gains. But if you’re sick of seeing half your profits disappear as tax at the end of the financial year, there are strategies you can use to ensure you don’t pay more than you need to.

It is possible to plan your investment strategy to reduce tax, without taking too much risk. If you’re close to retirement, using a combination of salary sacrifice and undeducted contributions to boost your super can save you thousands of dollars in taxation. New super arrangements provide increased opportunities and improved flexibility for your final years in the workforce.

We can assist you in the following areas of Taxation Strategies and Planning:

Redundancy has become very common in Australia in large and small organisations. It involves payment to the redundant employee of a lump sum which is intended to provide financial support while they search for another job. Most redundancy payments are tax free up to certain limits. We can assist you in determining how these monies are to be used in creating wealth for your retirement.