Financial Advice and Planning

Earning a steady income is one thing. Knowing how much you are saving, investing and spending is another. To achieve your financial goals you will need to understand your cash flow. Halle will guide you on how best to manage and enhance this crucial area of your finances. An increase in your cash flow can lead to an increase in capital, allowing you to consider investments that can improve your financial wellbeing. 

The use of debt can play an important role in helping you to achieve your lifestyle goals and objectives. However, debt needs to be carefully managed and structured to maximize the benefits while avoiding excessive risk. Halle can provide you with specialist advice and assist you to implement debt management strategies that will enhance your finances.

Investing for short, medium or long-term goals requires careful planning. Investment markets are changeable and complex. Investments need to be implemented correctly and monitored on a regular basis to ensure they are achieving your intended goals.

Halle is highly qualified and experienced in providing comprehensive investment advice. She has been advising her clients for over 16 years on managed investment schemes, including investor directed portfolio services, debentures, stocks and bonds.

Halle can assist you to construct your investment portfolio so that it contains the right mix of assets to suit your personal circumstances, investment aims and attitude to risk. Once an investment portfolio is implemented, it requires monitoring and rebalancing periodically due to fluctuating financial markets and price movements. With her extensive background in managing investments for a diverse client base, Halle will ensure that your investment is carefully tracked and rebalanced as required.  

In life you protect what you value most. Halle can assist you to determine your personal insurance needs and the appropriate cover. This includes protecting your income and safeguarding your family’s financial future and assets from any uncertainty arising from premature death, total and permanent disability or serious illness.

Halle can assist you to protect the assets of your business and its owners from liability as a key person or business owner. 

Options include:

• Key man (capital) protection
• Revenue protection
• Business overheads protection
• Financial succession planning for business partners – Buy/Sell agreement related insurance needs.

Superannuation is the most tax-effective investment vehicle for building wealth for your retirement regardless of which stage of your career you are at. Thanks to tax concessions and other government benefits, superannuation is the most powerful long-term investment structure available for saving and accumulating wealth.

Halle offers practical advice that will help you to maximise your investments and transition to retirement with ease. She also helps Self-Managed Superannuation Fund (SMSF) clients with the development and design of investment portfolios, ongoing portfolio management and technical advice on superannuation legislation.

Connect with Halle to discuss your superannuation fund strategies and how to manage tax effectively.

Retirement planning doesn’t have to be overwhelming. By planning for this transition as early as possible with the assistance of a professional financial adviser, you can achieve your goals. 

Find out how Halle can help you with your retirement planning. 

Estate planning is one of the most important aspects of financial planning. Your estate plan should be tailored specifically to your needs, goals and family circumstances. It is advisable to seek professional help to ensure you make the best possible choices for your family and your estate is distributed according to your wishes.

Halle has created a diverse client base over the past 16 years, providing advice to professionals, medium and small business owners, their employees and families.

Specialising in wealth creation and accumulation, personal and business risk management strategies and an understanding of goals and values, Halle can help you to access powerful tools that achieve sustainable and impactful results that enhance your financial circumstances.