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SERVICES

The Inner Wealth Journey...

At Inner Wealth, our primary goal is to help you achieve financial inner peace and live a fulfilled life. There are 4 key steps to our process - Plan, Protect, Grow and Enjoy. We will guide you along the path in a way that is tailored to you.

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PLAN

Achieve your definition of greatness.

At Inner Wealth, understanding you and meeting your needs, goals and dreams are the core aim of our business. Putting together the right strategy is crucial to successfully achieve your goals and allowing you to live a fulfilled life.

 

Let us guide you in getting set up to achieve your short, medium and long-term goals on your journey to financial inner peace. Our mission is to work with you to help you realise your goals and put together a roadmap to where you would like to end up financially.

 

Whatever your goals are, we will help you get there.

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PROTECT

Protect your wealth and the people that matter most.

While it is important to grow your wealth, protecting what you have built is another crucial aspect of managing your wealth. No one wants to have to start all over.

 

Our wealth protection advice gives you that peace of mind that if something unforeseen should occur, you and your family are covered for whatever life may throw at you - whether it is sickness, disability, death or something else. Leaving the topic of insurance until the unthinkable happens can severely impact you, your family and the ability to achieve what is important to you.

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GROW

The right strategy & knowledge in place with a clear action plan.

With over 15 years of experience, our team has a proven track record in helping clients grow their wealth and achieve their goals.

 

Opportunities are everywhere, it is about doing your homework and choosing wisely. Making the right decision today can have a significant impact on your future. Our job is to understand your appetite for risk and to match you with appropriate investment opportunities and structure so that you can grow your wealth effectively. We will keep you focussed on the end goals so that you can continue to maintain a disciplined approach and reap the rewards.

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ENJOY

More inner peace so that you can enjoy life to the full.

What are you looking forward to? Whether you are saving for your first home, sending your children to a good school, taking a holiday, buying a new car or simply want to have the time of your life in retirement, we want to help you achieve them and be there to support you in the process.

 

You have worked hard, you have followed through with our advice and now is the time to enjoy your Inner Wealth. Working with one of our trusted advisers could help you achieve your greatness beyond what you imagine.

Inner Wealth Portal.

Get a live snapshot of your entire financial world. Keep track of

everything you own and owe with a live view of your personal finances.

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How we can help.

One of our advisers will sit down with you for a 1 hour complimentary consultation to analyse your cashflow, debt, insurance, investment and superannuation position. By understanding your priorities, we will identify if;

  • There are any opportunities to save you money.

  • There are options for your circumstance that could be more suitable.

  • Your affairs could be restructured to be more tax efficient.

  • The portfolio you have accumulated is providing you with the outcomes you want.

We generally learn most of our money habits from our parents. Some of you might be great savers but just don’t know where to deploy the surplus. You could be earning a good income, but don’t know where all the money goes - you could be hopeless at managing your cash. No matter which one you are, one of our advisers will sit down with you and work through your budget.

 

We will identify opportunities where you can save money and sometimes this means forgoing certain things in exchange for a better future. We have a proven cash flow system that will work for you and get you on the right track for long term financial success.

While it is important to grow your wealth, protecting what you have built is another crucial aspect in managing your wealth. No one wants to have to start all over. Our wealth protection advice gives you that peace of mind should something unforeseen occur, you and your family are covered for whatever life may throw at you. Leaving the topic of insurance until the unthinkable happens can severely impact you, your family, and the ability to have the lifestyle you want to live. We can provide advice on;

  • Life insurance

  • Income protection

  • Total and permanent disablement

  • Trauma

  • Buy/sell cover for business owners

  • Key person insurance for business owners

Superannuation is one of the best vehicles for funding the retirement that you desire. For many of us, it is the largest asset we own, apart from our home. Inner Wealth can help you evaluate your current superannuation and make sure it’s working efficiently for you. Choosing a new fund that charges less in management fees or advising you to make extra contributions may be a few strategies that can have a significant impact on the lifestyle you wish to have in retirement.

An extension to super is having your own Self Management Super Fund (SMSF). SMSF are not suitable for all investors, for the right investor is can be a very powerful wealth creation and estate planning vehicle. An SMSF allows you to pool your super balances with your family members to access more cost effective investment strategies. We can work with you to identify if a SMSF is suitable and educate you on all the benefits, obligations and responsibilities of running a SMSF.  

Managing debt can form an important part of your wealth creation strategy. There is debt where you borrow to invest, and the investment grows in value or generates income. Then there is debt where you borrow for a car, boat or use a credit card to buy items that depreciate in value and don’t provide you any income. You lose twice here – the capital value and the interest you’ve paid on the borrowed money. We can help put debt management plan in place that is right for you.

At Inner Wealth, understanding you and meeting your needs, goals and dreams are the core aim of our business. Putting together the right investment strategy is crucial to successfully achieving your goals and allowing you to live a fulfilled life. You don’t need a large lump sum to start investing to create wealth. Wealth creation is about maintaining a disciplined approach to investing over a period of time. You may be asking yourself the following questions;

  • Should I invest in shares or managed funds?

  • Should I invest in property?

  • Should I choose an active or passive approach?

  • How much risk am I taking?

  • Should I invest all my money or some of it?

We can help explain the options available and develop an investment strategy that is right for you.

Tax planning is a key consideration when it comes to building a effective wealth creation strategy. We can’t predict what the markets will do but we can take some control of our tax position. There could be significant tax savings by understanding the tax strategies available to you.

 

Some of these are salary packaging, superannuation, investments, tax deductible debt and owning assets within a trust. By structuring your finances to be more efficient, you can minimise the amount of tax you pay. The compounding effect of these savings will significantly improve your outcomes in the long term.

No matter the size of your estate, a well thought out estate plan is the gift you leave to your loved ones, ensuring they are not left with unnecessary heartache and burden.

 

At Inner Wealth, we understand that looking after your family and your wealth is important to you. What would happen if you were to pass away unexpectantly? What position would that leave your loved ones in? Our team can assist you with;

  • Reviewing your current situation for peace of mind.

  • Documenting your desired outcomes.

  • Assist with organising your affairs so that assets go to those you choose.

  • Explore opportunities to pass on assets to your loved ones in a tax effective manner.

  • Intergeneration transfer of assets and asset protection.

"Put yourself in the best position to have the life you want, setting targets, people often don't know what they need,

set smart goals, adopt a no fuss approach."

 

No matter what your current age, retirement planning is crucial and it’s never too early to start thinking about it. They say the best time to plant a tree was 20 years ago, but what is the second best time? Today. That is what we do for our clients everyday. The sooner you start, the more fruit your financial strategy will bear. Nevertheless, if you are nearing the retirement age, it’s not too late for you. Our team can help you with the transition by identifying your short and long term goals. We can discuss other sources of income or possible transition into part-time employment.

 

Once you retire, it doesn’t mean that the journey has ended. We will be there for you, to guide you through the rest of your retirement and ensure you are taking the correct levels of risk at the right time. We can also help with other complex matters such as downsizing, Centrelink entitlements, intergenerational wealth transfers, asset protection and long term care needs.