What We Do

Andrew’s approach to financial planning is built around long term relationships so there is the opportunity to truly understand your needs and to provide regular strategic advice to assist you to achieve your goals. This contrasts with the transactional approach where you are offered a product and then the adviser moves on to someone else. More than 90% of Andrew’s new clients establish an on-going relationship as they understand that’s what will help them get results.

Andrew helps you to build and protect your wealth and to ensure your assets will be sufficient to support your individual lifestyle aspirations. It is based on the following components:

Wealth Creation

  • Strategies to build wealth in a tax effective manner
  • Investments, including Managed Funds & Shares
  • Superannuation, including Self Managed Super Funds (SMSF’s)
  • Appropriate asset allocation to balance risk and return

Cash Flow Management

  • Debt Management
  • Liquidity Management
  • Drawdown of investments in retirement
  • Xero Cashbook for visibility of where your income is going

Wealth Protection & Risk Management

  • Life, Income Protection, Trauma & Total & Permanent Disability insurance tailored to your needs
  • Asset, Revenue & Ownership protection for SME’s
  • Business Expenses insurance for small business
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Retirement Planning

  • Advice to ensure you will have sufficient resources to live well in retirement
  • Safe income producing investments
  • Planning to ensure the funds won’t run out given we are living longer
  • Maximising any Centrelink benefits you are entitled to
  • Aged Care advice

Estate Planning

  • Direction of assets
  • Tax minimisation
  • Powers of Attorney
  • Death Benefit nominations for Super
  • Increased certainty of outcome

Superannuation & SMSF

  • Recommend strong & competitive funds for you
  • Assist with amalgamation of multiple funds
  • Assist with choice of great investments
  • Assist with establishment of SMSF
  • Assist with SMSF strategies

Want to find out more?

Let Ramsay Financial help you take control of your finances today!

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