We’re with you every step of the way
AM Planning will assist you on your journey to financial freedom. We create tailored strategies and investment plans that will help you achieve your lifestyle, family, business and retirement goals.
It’s never too early or too late to make a start.
Investment
Superannuations
- Transition to Retirement (TTR) rules
- Choice of superannuation
- Self-managed superannuation funds (SMSF)
- Salary packaging (also known as salary sacrifice)
- Retirement income streams
Retirement Planning
- Understand your financial situation now and in retirement
- Determine when you’ll have access to your super and how you may be able to maximise any Centrelink payments you may be entitled to receive
- Calculate the amount you’ll need by a particular date and plan for accumulating enough savings before you retire
- Identify appropriate strategies for funding your retirement lifestyle goals
Tax effective wealth creation strategies
- Investing in property
- Investing in the share market
- Investing in funds
- Wealth creation strategies
- Cash flow
- Loans
- Fixed interest rates
Debt management and budgeting
- Manage mounting bills
- Know your rights when you owe money & how to deal with debt collectors
- Understand the risks before signing a debt agreement or declaring bankruptcy
- Find out how to check and fix your credit score
- Track spending
- Balance your budget
- Review your budget
Aged Care Planning
Home care
- Outline of Home Care Package subsidies provided by the Federal Government
- Explanation on how the basic daily fee and income-tested fees are calculated
- Options to assist in payment of fees and managing cashflow
- How to get an ACAT assessment
Residential care
- Options to pay the accommodation payment (room cost) – Refundable Accommodation Deposits (RAD), Daily Accommodation Payments (DAP), RAD + DAP, DAP from RAD
- How to qualify as a low-means resident
- Options to pay for initial costs and ongoing fees
- Options for the family home
financial goals
Pay off debt
Family holiday
New car
New boat
New motorcycle
New house
Renovating your home
Money to pay for your children’s education
Money to pay for your daughter’s wedding
Machinery to expand your business
Owning your own business
Freedom to do what you want
Enough money to retire comfortably