Services
Our Services
It’s all about tailored advice…
Information alone is not knowledge, just as knowledge is not wisdom, nor wisdom good judgement. The enduring value of a relationship derives from a professional who possesses not only good information, but also the judgement and experience to implement it wisely”
Retirement Planning:
Making the most of what you have,
ensuring your money will last,
plan to do the things you want to do
What is retirement planning?
Retirement planning is all about giving substance and form to your goals and dreams for a happy life after work. It’s about helping you make the most of what you have today, ensuring a solid foundation on which to build and grow your wealth.
It’s about being not only financially, but also emotionally prepared for retirement, willing to embrace the changes and challenges that it will bring you and those close to you. It’s about being intentional about health and fitness, it’s about being realistic, about being grounded, and above all it’s about having a plan and a professional who will guide you each step of the way.
Gone are the days when retirement meant winding down and living life at a slow pace. Today’s retirees have goals and aspirations, are living longer and looking to do exciting things well into their retirement years.
With more to do than ever, having money to fulfill your dreams, while still being able to meet your ongoing commitments for the rest of your life is critically important. You don’t want to run out of money. You don’t want to be worrying about money and you don’t want to be working to cover gaps.
Regardless of whether you feel you have enough for total financial freedom, or for whatever reason you’ve been a late starter to saving, the most important thing is to plan and make the most of what you have.
This means getting sound strategic and investment advice and following that up with regular reviews over time. You don’t know what you don’t know and a licensed financial planner can help you set realistic goals, analyse your resources and arrange your affairs to your best strategic advantage. They will ensure that you access your correct Centrelink entitlements and manage that process for you. They will help you achieve your needs and wants while ensuring that your assets are invested in line with your investment profile giving you peace of mind.
If you haven’t done so already, as first step we suggest you take our “Retirement Ready Scorecard” below. It will help you to focus your thoughts on some of the issues to address as you approach your own retirement challenges.
As always, we are here to help, call us.
Saving & Investing
Aged Care Advice:
For all of us, there’ll come a time when Aged Care is going to be needed. It can be a sensitive subject for many families, there seems to be so much information and so many rules to work through.
What is needed is guidance from a specialist who knows and understands the Aged Care sector.
We can help you resolve your concerns around Aged Care with comprehensive advice about;
1. Coordinating Aged Care Providers
2. Arranging your financial affairs to your best advantage
3. Liaising with Government agencies to ensure you access your correct entitlements
4. Help you with decisions about your family home and other assets
5. Explain the rules around Aged Care and how they apply to you or your loved ones.
Call us and make a time to discuss your situation.
Centrelink Liaison Service:
Helping you meet your obligations so you can get on with life…
Personal Insurances:
Peace of mind for you and your family.
Protecting what you have.
Centrelink Liaison Services
Running as a partner service to the retirement planning and investment advice of CPB’s advisers, our Centrelink Liaison Service guides our clients through the regulations and paperwork surrounding Centrelink and Department of Veterans Affairs (DVA) pensions and benefits.
By completing all applications and collecting supporting documents on your behalf we facilitate hassle free benefit claims, ensuring that our clients are able to obtain their correct entitlements. Once established, we assist them in dealing with any ongoing paperwork, correspondence and Centrelink reporting obligations.
Over the years we’ve developed an excellent relationship and reputation with Centrelink and find them to be very helpful in our day-to-day dealings. With your prior written authority we can even access Centrelink directly online and update certain information for you.
We believe that we pioneered Centrelink Liaison in financial planning when we set the service up in 1998 and it has been a part of our offer to clients ever since. Today we have over 1000 people on our Centrelink programme with dedicated staff employed specifically to administer the Service. Should you choose to become a retirement planning client of CPB, very early on you will find yourself enjoying the benefits of having us liaise Centrelink for you.
Call or contact us today and make a time to discuss our Centrelink Service. We will explain the Service, our responsibilities and the help we ask of our clients, (such as keeping us informed of changes to their circumstances). This, along with a regular financial review of your investments with one of our planners will go a long way to ensuring a trouble-free Centrelink experience
Typical Centrelink issues we deal with on a daily basis are;
- Age Pensions
- Dept Veteran’s Affairs Pensions
- Pension Bonus Qualification and Application
- Senior’s Card
- Disability Support Pensions
- Carer Allowances and Payments
- Asset Test & Income Test issues
- Gifting
- Aged Care Facilities and impact of lifestyle changes on Centrelink benefits
- Granny Flats
- Overseas Pensions
- Centrelink Reviews
- Rent Assistance
- The Centrelink Appeals Process
- Changes in circumstances and /or marital status
- Low Income Health Care Card
Personal Insurance
Insurance is a way of providing money for yourself and your loved
ones in the unfortunate event of your illness, injury or death. When you buy
insurance, you enter into a contract with an insurance company who promises to
provide you or your beneficiaries with money in an agreed set of circumstances.
Generally these circumstances are pretty serious with major impacts for you and your family. Your death, permanent disablement through accident or illness, major medical trauma, (such as stroke, heart attack and other major medical issues), or (in the case of Income Protection) a temporary time off work due to accident or illness.
In return, you make regular periodic payments, called premiums. The premium amount is based on factors such as your age, gender, medical history, the type and dollar amount of cover that you have decided to purchase.
Insurance is often a valuable safety net during your foundation years, when you are establishing your lifestyle, career and family, and building your assets. During this time you may have considerable debt, as well as significant responsibilities and financial commitments, (like children’s education). For those who have established their financial position, and looking towards retirement, personal insurance may only be a small consideration (or not important at all).
Insurance can be an important part of a complete financial portfolio. Understanding basic insurance principles and discussing your needs with a licensed financial planner will help you make an informed decision about your need for insurance, as well as the type and amount of insurance that is appropriate to your situation.
If personal risk protection is something that is important to you, we can firstly help you quantify your exposure to risk, and if needed, provide you with a range of quality insurance and asset protection options.