Investors approaching or in retirement
Today, Australians are living longer and staying more active in retirement than ever before. As a result, our financial needs in retirement are also rising. So it’s essential to plan ahead and make the most of your resources if you want to enjoy the retirement you’ve always looked forward to.
Your Godfrey Pembroke adviser can help you realise your dream of future prosperity, using a range of proven strategies including salary sacrifice, self-managed superannuation and transition to retirement.
Your career is satisfying and demanding — but it also leaves you with little time to devote to anything else. Meanwhile, as your career progresses, your financial needs are becoming more complex. So it can be difficult to give your own finances the attention they truly deserve.
That’s where Godfrey Pembroke can help. We specialise in helping busy professionals manage, extend and protect their growing wealth and most importantly make sure you take full advantage of your current situation and don’t look back in 10 years and think where did it all go?
We can help you respond to the specialised challenges you may be facing so you can continue to focus on your professional life, knowing your finances are in good hands.
You may be single or married and with young children. You probably have a reasonable sized mortgage, no Will, have probably nominated someone to receive your superannuation on your passing that you haven’t changed since you first started working. You feel you don’t have a real handle on what your excess saving capacity is and in the back of you mind you are concerned about how to pay for the future education of your children, upgrade the family home etc….. Your investment are more likely a few shares, your company superannuation and your home (with debt).
At Godfrey Pembroke, we can help you deal with all these matters and more. It may as simple as changing mortgage providers to significantly reduce the amount of interest you are paying. For others it is helping determine where savings can be made and then redirecting this in the most tax effective manner. Our over arching objective is to give you back control over your current situation and provide clarity about where you can be moving forward.
Successful business owners understand they can’t do everything on their own. So it’s essential to have an experienced team behind you that you can trust to keep your best interests at heart.
Your Godfrey Pembroke adviser will work with you (and your other trusted advisers) to unlock the value you’ve worked so hard to create. As well as investing the income your business produces now, we can help you prepare for your next step, with a tailored business succession strategy designed to maximise value and protect you, your business partners and your employees. We can even show you how to manage your cashflow more effectively, reducing debt and generating an ongoing income stream that will underpin your family’s lifestyle for years to come.
A self-managed super fund (SMSF) gives you more control over your future, with a wider range of investment opportunities to choose from — but it also involves some weighty responsibilities. Not only do you need to comply with a multitude of increasingly complex regulatory obligations, you also need to devise and document a suitable investment strategy, while managing your portfolio in a fast-changing investment environment.
We can take the complexity out of running an SMSF, with personalised advice and support to help you set up and administer your fund, and a comprehensive investment strategy tailored to your investment time frame and retirement goals. So you can maximise your super savings and look forward to a secure and prosperous retirement.
High-net worth individuals
As your wealth increases and your financial situation becomes more complex, you need increasingly sophisticated strategies to make the most of your growing resources and safeguard the prosperity you’ve worked so hard to create. That’s where a Godfrey Pembroke adviser can help.
We specialise in tailored solutions for high-net worth individuals, with personalised investment planning, astute portfolio management and advanced strategies including trusts, SMSFs, gearing and tax-effective investments.