Responsible investing
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Responsible investing
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Superannuation
What is superannuation?
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
How does superannuation work?
Superannuation is treated differently to most other savings. For most people, super will be taxed at a lower rate than a similar investment outside super. If you’re self-employed, you may be able to claim a tax deduction for personal contributions you make to super.
How we can help?
The team at Financial Solutions Geraldton can help you understand, grow and manage your superannuation.
We can help you:
• Consolidate your super funds and help you save on fees
• Identify investment options tailored to your goals and risk profile
• Review your concessional and non-concessional contributions to super
• Identify strategies to help boost your superannuation
• Enjoy the benefits of salary sacrifice
• Understand your insurance options within superannuation
• Determine if you have the correct beneficiary nominations in place
• Determine whether a self-managed super fund (SMSF) is right for you.
How to find your lost super?
If you think you may have lost track of your super then you have access to services to help you find your lost accounts.
This service searches the Lost Members Register and other ATO records, such as ATO-held super accounts and unclaimed super money, for your lost super accounts. You can also use the phone service (13 28 65).
• myGov
You can use the ATO’s myGov service to see details of all your super accounts, including any you have lost track of or forgotten about. You will need to create a myGov account and then link your account to the ATO service.
• Previous employers
Ask your previous employers for the names of the super funds that received contributions on your behalf.
Call us on 08 9964 9000 for more information about how we can help you make the most of your superannuation.
Superannuation
Superannuation is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Read More....
Superannuation
What is superannuation?
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
How does superannuation work?
Superannuation is treated differently to most other savings. For most people, super will be taxed at a lower rate than a similar investment outside super. If you’re self-employed, you may be able to claim a tax deduction for personal contributions you make to super.
How we can help?
The team at Financial Solutions Geraldton can help you understand, grow and manage your superannuation.
We can help you:
• Consolidate your super funds and help you save on fees
• Identify investment options tailored to your goals and risk profile
• Review your concessional and non-concessional contributions to super
• Identify strategies to help boost your superannuation
• Enjoy the benefits of salary sacrifice
• Understand your insurance options within superannuation
• Determine if you have the correct beneficiary nominations in place
• Determine whether a self-managed super fund (SMSF) is right for you.
How to find your lost super?
If you think you may have lost track of your super then you have access to services to help you find your lost accounts.
This service searches the Lost Members Register and other ATO records, such as ATO-held super accounts and unclaimed super money, for your lost super accounts. You can also use the phone service (13 28 65).
• myGov
You can use the ATO’s myGov service to see details of all your super accounts, including any you have lost track of or forgotten about. You will need to create a myGov account and then link your account to the ATO service.
• Previous employers
Ask your previous employers for the names of the super funds that received contributions on your behalf.
Call us on 08 9964 9000 for more information about how we can help you make the most of your superannuation.
Retirement Planning
Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.
We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.
Why is retirement planning important?
We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.
Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.
How we can help
Financial Solutions Geraldton Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.
We will help you:
- Identify your retirement goals
- Review your income and cashflow requirements
- Identify what assets (house, savings, investments) you have and how much they are worth
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement
- Determine when you can apply for the age pension and whether you are likely to be eligible.
- Review your estate planning
Please contact one of our qualified Financial Advisers at Financial Solutions Geraldton on 08 9964 9000 to discuss your retirement planning needs.
Retirement Planning
Retirement may seem like a long way off but putting money into super now is still a tax effective way to invest your money. You also can benefit from the effects of compounding returns.
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Retirement Planning
Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.
We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.
Why is retirement planning important?
We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.
Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.
How we can help
Financial Solutions Geraldton Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.
We will help you:
- Identify your retirement goals
- Review your income and cashflow requirements
- Identify what assets (house, savings, investments) you have and how much they are worth
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement
- Determine when you can apply for the age pension and whether you are likely to be eligible.
- Review your estate planning
Please contact one of our qualified Financial Advisers at Financial Solutions Geraldton on 08 9964 9000 to discuss your retirement planning needs.
Wealth Protection
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.
Having the right insurances in place can help protect your family and your income if the unexpected occurs.
There are different types of cover that fall under the broad heading of life insurance:
- Life cover – also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
- Total and permanent disability (TPD) cover – covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
- Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.
- Income protection – replaces the income lost through your inability to work due to injury or sickness.
How we can help
Financial Solutions Geraldton has access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs.
Please call us on 08 9964 9000 to discuss.
Wealth Protection
Insurance is the foundation of all financial plans. We can help you evaluate the risks and come up with the right insurance solution for you and your family.
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Wealth Protection
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.
Having the right insurances in place can help protect your family and your income if the unexpected occurs.
There are different types of cover that fall under the broad heading of life insurance:
- Life cover – also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
- Total and permanent disability (TPD) cover – covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
- Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.
- Income protection – replaces the income lost through your inability to work due to injury or sickness.
How we can help
Financial Solutions Geraldton has access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs.
Please call us on 08 9964 9000 to discuss.
Financial Empowerment Workshop For Women By Women
Our Financial Empowerment Workshop For Women By Women is back by popular demand!
If you want to learn more about how to navigate your budget, superannuation, life insurance, tax, debt and estate planning click here to book your spot.
Why Choose Us?
Exceptional Personal Service
Knowledge and Experience
Ongoing Support
A Holistic Approach
Keep You On Track
Ease and Convenience
Our Team
Lisa Farnell
Lisa is a CERTIFIED FINANCIAL PLANNERTM who has been working in the Financial Planning industry since 1999. Her educational qualifications include a Bachelor of Commerce degree and a Diploma of Financial Planning.
Prior to becoming a financial adviser, Lisa has worked in a number of business disciplines, including insurance, retail management and event management, and has enjoyed many life experiences which have lead her to a personal desire for a more ethical and sustainable way of living and investing.
Lisa’s practice is certified by the Responsible Investments Association of Australasia (RIAA) according to the strict disclosure requirements under the Socially Responsible Investment (SRI) Certification Program.
Lisa Farnell
Financial Adviser
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Lisa Farnell
Lisa is a CERTIFIED FINANCIAL PLANNERTM who has been working in the Financial Planning industry since 1999. Her educational qualifications include a Bachelor of Commerce degree and a Diploma of Financial Planning.
Prior to becoming a financial adviser, Lisa has worked in a number of business disciplines, including insurance, retail management and event management, and has enjoyed many life experiences which have lead her to a personal desire for a more ethical and sustainable way of living and investing.
Lisa’s practice is certified by the Responsible Investments Association of Australasia (RIAA) according to the strict disclosure requirements under the Socially Responsible Investment (SRI) Certification Program.
Norm Jupp, Financial Adviser
Norm is a CERTIFIED FINANCIAL PLANNERTM who has been working in the Financial Planning industry since 1984. His qualifications include a Diploma in Financial Planning and a Diploma in Risk Management (Insurance).
Norm’s belief is that the most important trait of a quality Financial Planner is having the ability to ‘listen’. It is only after a Financial Planner has helped a client to fully articulate their current position, concerns, values, goals and objectives, that they are positioned to provide appropriate financial solutions that will help clients over their lifetime.
Norm Jupp
Financial Adviser
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Norm Jupp
Norm is a CERTIFIED FINANCIAL PLANNERTM who has been working in the Financial Planning industry since 1984. His qualifications include a Diploma in Financial Planning and a Diploma in Risk Management (Insurance).
Norm’s belief is that the most important trait of a quality Financial Planner is having the ability to ‘listen’. It is only after a Financial Planner has helped a client to fully articulate their current position, concerns, values, goals and objectives, that they are positioned to provide appropriate financial solutions that will help clients over their lifetime.
Michael Jones
Michael has been working in the Financial Planning industry since 2017. He has his Diploma in Financial Planning, Diploma in Insurance Broking and a Graduate Certificate in Financial Planning.
Michael believes that seeing a financial adviser is more than just creating a plan that might get you from A to B, you must look at which behaviours need changing in order to actually get you to your desired result.
Outside of work, Michael enjoys spending time with his family, watching movies and practicing Brazilian Jiu Jitsu.
Michael Jones
Financial Adviser
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Michael Jones
Michael has been working in the Financial Planning industry since 2017. He has his Diploma in Financial Planning, Diploma in Insurance Broking and a Graduate Certificate in Financial Planning.
Michael believes that seeing a financial adviser is more than just creating a plan that might get you from A to B, you must look at which behaviours need changing in order to actually get you to your desired result.
Outside of work, Michael enjoys spending time with his family, watching movies and practicing Brazilian Jiu Jitsu.
Helen Jupp
Helen has worked in the Finance industry for over 30 years and finds the diversity of her role very satisfying.
She most enjoys the interaction with clients and will generally be your first point of contact. Helen prides herself on her friendliness with clients whilst delivering the best possible results.
Away form the office she enjoys taking her beloved dog Loki for long beach walks, going to the movies and catching up with family and friends.
Helen Jupp
Client Services Manager
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Helen Jupp
Helen has worked in the Finance industry for over 30 years and finds the diversity of her role very satisfying.
She most enjoys the interaction with clients and will generally be your first point of contact. Helen prides herself on her friendliness with clients whilst delivering the best possible results.
Away form the office she enjoys taking her beloved dog Loki for long beach walks, going to the movies and catching up with family and friends.
Margaret Devine
Margaret Devine
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Margaret Devine
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