Our Services

Personal Insurance

Personal insurance goes beyond standard health insurance and should be tailored to your profile.

It’s an unfortunate fact that most of us will face job losses, health issues and traumatic experiences throughout our lives. Although these problems can quickly knock us for 6, insurance provides a financial safeguard for you and your loved ones to take the necessary steps to recover.

Our financial experts collaborate with you to understand your insurance needs, desires and how this fits into your budget. We’ll evaluate different options depending on your life stage including Life insurance, Total & Permanent Disability and Trauma/Critical Illness insurance.

Superannuation

Superannuation involves more than choosing a ‘good’ fund.

Understanding the advantages and limitations of the super funds available, especially those that benefit your life stage, can be critical to your retirement savings over time.

We know that every fund has its own niche, strengths and drawbacks. Our team helps you understand these aspects for your current fund and consider other funds that could better reflect your situation and financial goals..

Our personalised superannuation advice includes the best time to make contributions, investment portfolio management and connecting super to your financial goals.

Investments

From property to shares, your investment assets are critical to growing financial wealth. Our goal is to help you maximise your portfolio’s potential. We provide detailed advice on a range of instruments to align with your financial profile, personal values and future goals.

For property, our experts can help you understand your potential lending power on potential property investments. We give every client the ‘full picture’ when it comes to property costs so they never find themselves under financial strain. We proudly have zero clients under housing stress and we intend to keep it this way!

For shares & managed funds, we can provide effective investment strategies.

Cash Flow & Budgeting

Budgeting isn’t about cutting the luxuries out of life. It’s about adapting buying habits to fit your lifestyle while creating a financial future based on your values.

A thorough understanding of your cash flow — what enters and leaves your bank account — helps identify savings opportunities and modify buying behaviours.

Our team analyses 6 months of bank statements, creating a detailed cash flow report to break down your spending and pinpoint potential areas for change.

Retirement planning

Planning for life after work can be confusing and overwhelming, but it doesn’t need to be. With professional guidance you can enjoy a comfortable retirement that reflects your values.

Our team helps you create a retirement plan that is both tax effective and supports your lifestyle. We address key questions around when you should retire, how to maximise contributions and effectively manage your investment portfolio while transitioning to retirement. We help you to create a vision for what comfortable living looks like to you.

Do you hold assumptions on the best way to plan for retirement?

Debt management

Eliminating debt is a powerful way to give you peace of mind and improve your financial status. But it’s important to recognise that not all debt is created equal.

Effective debt management varies across different life stages. Whether it’s lifestyle, investment or retirement related debt, we create repayment plans that are tailored to your financial goals.

For home purchases, we provide comprehensive guidance on the total cost of your investment including interest rate fluctuations, stamp duty, legal fees, and other associated expenses.

For all other types of debt — such as cars, personal loans, credit cards and family expenses —

Estate Planning Advice

A well managed estate is one that makes sure your assets are distributed to the right people at the lowest tax impact.

However, a poorly planned estate can lead to confusion, information gaps and expensive legal headaches for those left behind.

Wealthpoint Financial offers comprehensive estate planning advice to ensure all aspects of your will are covered. This includes clarifying and selecting the role of executor and understanding the potential impacts on your spouse and family.

Self Managed Super Funds (SMSF)

SMSFs are a complex financial undertaking that require guidance from a qualified financial planner.

Although SMSFs are advantageous in certain situations, they can quickly become a financial headache. SMSFs operate as separate entities and this carries significant financial risks if mismanaged.

Wealthpoint Financial helps clients to understand if an SMSF is the right choice. Our financial planners can help prospective SMSF applicants understand their level of risk tolerance, cost-to-value ratio and other areas of concern.