Sunshine Coast Financial Advisers – Your Local Financial Advisers
- Financial Advice For Everyone
- Licensed under RI Advice Group (AFSL 238429)
- Supporting Sunshine Coast clients since 2018
Contact Us
Contact Us
Thank you for contacting Sunshine Coast Financial Advisers.
We will get back to you as soon as possible.
Oops, there was an error sending your message.
Please try again later.
Tailored Investment Strategies
Transparent Fee Structure
Licensed Local Advisors
Long-Term Financial Partnerships
Sunshine Coast Based With Mobile Financial Advisers in Brisbane
Welcome to Sunshine Coast Financial Advisers, offering financial advise for everyone. We are your local, qualified and experienced financial advisers on the Sunshine Coast, servicing Caloundra, Caboolture, Noosa, Maroochydore and Mooloolaba. At Sunshine Coast Financial Advisers, we place a strong focus on building long-term relationships with our clients. We like to work closely with all clients during life’s journey, providing tailored strategies that aim to maximise wealth and working to empower clients to set and work towards their financial goals, now and into the future.
How our team can assist you will depend on what life stage you are currently at, what you require and what you value – as this varies for everybody. Take the opportunity to book an appointment with one of our advisers to gain a better understanding of where you are at and how we can help. Still uncertain? Give us a call for a quick chat and we can provide some general information to help you make an informed decision.
This is paragraph text. Click it or hit the Manage Text button to change the font, color, size, format, and more. To set up site-wide paragraph and title styles, go to Site Theme.
Life Stages
Getting Started
Getting Established
Family Life
Retirement in Sight
Retirement
Later in Life
1. Starting Out
You have your whole life ahead of you and the world at your feet. Anything seems possible and you feel immortal. This is the time to dream big and live large. When you are starting out in life you want to set your sights high and give it a red hot go.
Now is a great time to set yourself some financial goals and start implementing a strategy to help get you there. Boring? Maybe. Effective? Definitely.
Building Your Wealth
We can help you with:
- Negotiating employment terms / pay rise terms.
- Repaying any education loans – so you can accelerate your wealth.
- Choosing a super fund (your employer’s default fund is not necessarily your best choice).
- Selecting the right investment options within your super fund.
- Saving for a home deposit.
- Your first investments outside of super.
- Forming good financial habits that will last a lifetime.
- Structuring your cards & savings accounts to make it easy to manage your budget & avoid debt traps.
- Long term goal setting: Now is the best time to do it. We can help you identify clear, achievable goals & formulate a comprehensive strategy to achieve them.
Safeguarding Your Wealth
We can help you with:
- Income protection insurance (so you’re not a burden on your parents if you’re unable to work for a while). Getting it right is actually a lot more complicated than most people think.
- Optimising life insurance you get with your super – e.g. making sure you’re not over-insured.
Enjoying it
We can help you with:
- Your first nice car – the best way to finance it – buy, lease, hire-purchase, vendor finance or personal loan?
- Your big trip overseas or around Australia – the best way to pay for it?
2. Getting Established
You’re ready now to start setting yourself up for the rest of your life. It might involve getting married and starting a family, a promotion, further education, starting your own business, or all of the above.
That sense of immortality you had when you were younger may be starting to wear off, but you still feel that there’s plenty of time to make up for any risks you take that don’t pay off.
It’s a wonderful stage of life – when you have all the energy and optimism of youth, a good dose of the kind of wisdom that comes only with experience, and time on your side.
Growing your wealth
We can help you with:
- Starting your own business – establishing tax-efficient structures to maximise your net income & facilitate cash flow – e.g. family trusts, partnerships & corporations.
- Optimising your super to suit your life stage – getting the balance right between saving for your retirement, providing for the here & now; ensuring you select the investment options that suit your risk profile & your long-term goals.
- Self-managed super funds. We can help you evaluate whether this is the right option for you; if the answer is yes, we can set it up for you, and take care of all the management & administration.
- Structuring & building your investment portfolio outside of super.
- Structuring your cards & savings accounts to make it easy to manage your budget & avoid debt traps.
- Formulating & implementing a robust financial strategy to speed you on your way to achieving your goals – before things start to get too hectic.
Protecting it
We can help you with:
- Life risk management: A key priority is to implement a comprehensive, tailored risk strategy while you’re still young and healthy.
- We also have specialist expertise in business insurance & business succession planning.
Enjoying it
Travel, holidays, sports, leisure activities and pursuing your passions all come at a cost. We do more than just advise you on how to accumulate the wealth to pay for these things; we also do a lot of the leg work that comes with managing your wealth – which gives you more time and bandwidth to pursue the things you really enjoy.
3. Family Life
Once you’ve started a family, life tends to develop a momentum of its own. You have no time to spare, growing responsibilities and lots of expenses. It can be extremely fulfilling, satisfying, joyful, worrying and stressful – all at the same time. That’s why it pays to have a solid financial strategy in place and also a team of professionals to lighten the load for you and help keep you on track, while you’re flat out with everything else.
Growing your wealth
We can help you with:
- Managing your own business – establishing tax-efficient structures, family trusts, partnerships & corporations.
- Optimising your super to suit your life – getting the balance right between saving for your retirement, providing for the here & now; selecting investment options that suit your risk profile & your long-term goals.
- Self-managed super funds. We can help you evaluate whether this is for you, if the answer is yes, we can set it up for you, taking care of the management & administration.
- Reviewing any investment portfolios you hold outside of super.
- Structuring & building your investment portfolio outside of super.
- Reviewing your budget, debt management strategies & restructuring your cash flow to meet your needs if you have a growing family.
- Funding education for your kids or maybe further education for yourself.
- New horizons – coping financially with divorce & re-marriage.
- Inheritance – how best to deal with the money & also the family issues that sometimes accompany it. It is never too early to get this in place.
Protecting it
We can help you with:
- Life risk management – ensuring those who depend on you are properly protected with a comprehensive, tailored risk strategy.
- Not all insurers have a track record for paying claims & paying them promptly. We can direct you to the ones who do.
- We also have specialist expertise in business insurance & business succession planning.
Enjoying it
Children, travel, holidays, sports, education, renovating and furnishing your home. We do more than just advise you on how to accumulate the wealth to pay for these things; we also do a lot of the leg work that comes with managing your wealth – which gives you more time and bandwidth to pursue the things you and your family really enjoy.
4. Retirement in Sight
It wasn’t that long ago that retirement seemed a lifetime away. Something you could worry about later.
Now it’s well and truly on the horizon – and the time you have left to gear up for a long and comfortable retirement is rapidly diminishing. It’s also when health issues start to surface that could curtail your ability to increase your income. In short, it’s crunch time.
Let’s crunch some numbers… Some of our clients find that at this stage of their lives the kids are through school and becoming less dependent on their parents, so often that means there’s less financial pressure. And you may have a partner who chooses to return to work full time which means you can give those retirement savings a welcome boost.
Here are some of the things you’re likely to confront at this stage of life. We can play a valuable role in helping you with all of these and more:
- Optimising your super to suit your life stage – your risk profile may change at this point in your life, so you need a professional to help you make necessary adjustments.
- Boosting your investment portfolio which you may be looking forward to using to supplement your retirement.
- Funding further education or supporting you through an exciting career change.
- Guiding you through a redundancy.
- Helping you & your family with estate planning so a solid plan is in place.
5. Retirement
As much as you might love your work (or not!), you know there’s a lot more to life. It’s time now to reap the rewards, get out there and do the things you never had enough time for before – while you still can. With people living so much longer now, making your nest egg last the distance is another key priority.
Here are some of the things you’re likely to confront at this stage of life. We can play a valuable role in helping you with all of these and more:
- How best to deal with your super – pensions & income streams.
- Ensuring your investment options continue to match your risk profile & appetite.
- Downsizing, sea change & tree change options.
- Transitioning to retirement.
- Preparing for the next phase – retirement living & aged care options.
- Helping the kids – weddings, home deposits, bail-outs, caring for grandchildren.
- Loss of a partner – taking over the financial reins, adjusting to life as a single.
- Serious illness or other health issues.
- Arranging aged care for your parents.
- Inheritance & sibling issues that can come with that.
- Maximising any entitlements to the age pension & other benefits including the Health Care Card, Commonwealth Seniors Health Care Card, Pensioner Concession Card & the Pharmaceutical Allowance. Eligibility criteria apply to each benefit. These criteria can be quite complex & can change over time.
- Estate planning – wills, powers of attorney & guardianship.
- Extended holidays – we can take care of your finances for you while you’re away, so you can enjoy every minute. You deserve it.
6. Later in Life
We’re living much longer these days, but it’s increasingly common for the body to outlive the mind, which presents a whole range of issues for ourselves and those we love. We want to live out the final chapters of our lives in as much comfort and with as much dignity as possible – and without being too much of a burden to our children and grandchildren. We also tend to think more about what we might leave behind us, for the generations to follow.
We can play a valuable role in helping through this stage of your life:
- Aged care – evaluating & implementing options.
- Maximising Centrelink & other government benefits.
- Dealing with exponentially increasing medical expenses.
- Making your nest egg last the distance.
- Passing it on to those you love.
- Philanthropy – leaving a legacy.
- Estate planning – wills, powers of attorney & guardianship arrangements
What We Do
Superannuation/ Retirement Planning
We can provide professional advice on how to make the most of your superannuation, as well as tailored solutions to your retirement planning. Learn more today.
Investment Advice
Our team can assist you in all matters relating to investments, offering customised strategies that aim to keep your assets and investments growing and help maximise wealth.
Wealth Creation
Find out more about wealth creation with our knowledgeable team of financial advisers on the Sunshine Coast. We can assist in finding the right types of investments for your goals.
Cash Flow Management
Book a consultation with one of our advisers and learn more about how cash flow management can assist in better handling daily expenditures, as well as budgeting tips, and more.
Debt Reduction
We can take a look at how debt reduction strategies can help in not only reducing debt, but also for further advancing your financial goals and growing your wealth.
Personal Insurance
Personal insurance is one way to safeguard the financial security of you and your family. Our team can guide you through the jargon to find an insurance type that is right for your needs.
Planning Your Estate
We can assist in planning your estate, providing guidance on some of the most tax-effective methods of managing and distributing your assets, today and into the future.
Retirement Living
Learn more about retirement living on the Sunshine Coast. Our Maroochydore financial advisers can help you budget, project your expenses and match your needs to your plan.
Social Security
Whether you are still working, or entering retirement, our team can assist you in all matters pertaining to social security, Centrelink, aged pensions and more.
Meet The Team
At Sunshine Coast Financial Advisers, our advisers Nathan and Andrew are both fully qualified with Graduate Diplomas in Financial Planning. Nathan and Andrew have worked for many years together at one of Australia’s biggest financial institutions, gaining invaluable industry knowledge before our business was born in 2018. For tailored financial advice on the Sunshine Coast, make Sunshine Coast Financial Advisers your first call.
The Process
Step 1
Step 2
Step 3
Step 4
Step 5
1. Complimentary Chat
Let’s schedule a complimentary phone or video chat… to start getting to know each other and uncover how we can help with your financial goals.
2. Initial Consultation
We then begin the advice journey with an Initial Consultation… to thoroughly discuss what’s important to you and start building your knowledge on topics relevant to you.
3. Advice Preparation
We give you peace-of-mind by doing the number-crunching and analysis for you… developing a strategy to achieve your goals, including preparation of your written Statement of Advice which outlines our recommendations for you.
4. Delivering & Implementing Your Advice
We’ll present your advice and discuss the recommendations in detail together… and when you feel comfortable, we’ll then implement the advice on your behalf as well.
5. Staying on Track with Regular Reviews
We know with certainty that life is continuously changing around us… so having an ongoing relationship together gives you comfort we’ll continue to review your situation and when necessary review our advice, to ensure your goals remain relevant and achievable, and your strategies are designed to achieve them.
If you’re not financially minded, or don’t have any disposable income to spare, then we appreciate that it can be difficult to set financial goals… you might have never even thought about it before.
That’s where we can help. Our Financial Advisers can work with you to assess your current financial situation, your debts, your superannuation, your income, and create a plan to set you on your way to build, safeguard and achieve your financial goals.
Set out below is some general information on what contacting Sunshine Coast Financial Advisers will involve:
