Our Services

Financial Planning

Most people seek advice from a financial advisor when they hit major life milestones. This will depend on your life stages.


These include:


> Young to mid-life: Those aged 20-39 who are establishing and building careers, launching a business or perhaps starting a family. You may be looking at getting married or buying your first home.


> Mid-life: Those aged between 40-49, this is your consolidation stage – where you aspire to achieve a comfortable lifestyle and are thinking about managing your long-term future. You may be looking at investments, inheritance, tax management and healthcare.


> Pre-retirement: With 20 or more years of retirement ahead of you, your priorities will depend on how well you’ve prepared. Your main concerns may be debt elimination, protecting your assets, helping your children, wills and trusts.


> Retirement: Generally from 65-years and onwards, this is the time to indulge in hobbies or travel, enjoy your family and prepare for transferring your wealth. You may be thinking of aged care planning, gifting to your family and estate planning.


While it’s important to have professional financial advice to help you through these events, you don’t need to wait in order to benefit from establishing a relationship with a professional advisor at  DC Advice. 

Superannuation

Superannuation is an investment environment designed specifically to help you save for retirement. That makes super your money to prepare for your best financial future.


It's worth taking an active interest in your super savings during your working years. It's your money and your superannuation investment performance over time will impact how much you eventually have in retirement.


We can:


> Review your superannuation portfolios


> Consolidate your super


> Manage your contributions


> Salary Sacrifice


DC Advice can create a superannuation strategy to suit your needs and situation while moving through different stages of life.

Retirement Planning

Whether you are starting to think about your retirement plans or wanting to boost your retirement savings we can help you plan for the lifestyle you want.


What to think about as you move towards retirement:


> What will my retirement age and lifestyle be


> How much do I need to retire


> How can I boost my super and retirement savings


> What will life during retirement be like


DC Advice can create a retirement plan so you can enjoy your retirement lifestyle.

Personal Insurance Planning

None of us know what lies around the corner but with the right insurance in place, you and your family have some financial protection against life’s curveballs. No two lives are the same so different types of insurance can give you options in life.


These include:


> Life Insurance - Helps to protect your family and the people who matter from possible financial hardship if you were no longer there for them or suffered a terminal illness.


> Total Permanent Disability - A permanent disability could radically alter the life of you and your family – with Total and Permanent Disability (TPD) cover in place you will have financial assistance.


> Critical Illness - Provides financial support if you suffer a specified medical condition such as cancer, a heart attack or stroke.


> Income Protection - Your ability to earn an income is one of your most valuable assets. Income Protection Insurance can prove vital if you can’t work due to illness or injury.


DC Advice can create a personal insurance plan to suit your family needs and provide financial protection.

Self Managed Super Funds

A self managed super fund (also known as an SMSF) allows you to manage your own superannuation investments for your retirement. Setting up your own superannuation may not be right for everyone. SMSFs allow you to invest in a range of assets such as shares, managed funds, term deposits, property, art and collectables. You also have the option to borrow to purchase property and shares.


It’s important to understand the basics before getting started:


> An SMSF is a superannuation fund that you manage yourself.


> How does an SMSF work?


> Who can be a member?


> Who can be a trustee?


DC Advice can create and provide advice on the establishment of a SMSF an a strategy to suit your needs and situation. 

Estate Planning

Estate planning involves much more than simply knowing how to write a will. So, it’s important to take the time early on in your life to think through how you want your assets to be distributed when you are no longer here.  Research shows almost 10 million Australians, don’t have a will. For those in this situation, it means their assets may not go to the people they wish to receive them.


A will is just one part of estate planning, which is the process of deciding how your assets will be organised and managed in the lead-up to and after you pass. While it’s easy to put this task off, paying it proper attention is an important part of wealth management, allowing you to take the pressure off your loved ones at, what will be, a very difficult time.


You can prepare a will in a number of ways:


> Instruct your personal legal representative, often a lawyer, to draft one for you. This will involve a briefing during which you will outline how you wish your affairs to be handled after your death. This will typically involve a fee.


> Ask a government body such as your state-based public trustee to help you draft a will. This may be a free service for some groups such as pensioners; for others it will involve a fee.


> Complete a will kit.


DC Advice can help guide you to ensure you have an up to date Estate Plan. 

Tax Planning

Tax planning becomes a key element of wealth creation. Tax planning is the analysis of a financial situation or plan to ensure that all elements work together to allow you to create tax savings.  By having a tax plan you can manage the amount of tax you pay. 


This can involve:


> Salary packaging


> Borrowing to Invest


> Gearing


> Management of Capital Gains Tax (CGT) 


DC Advice can help provide a tax plan while working with your Accountant to achieve the best outcome.

Margin Lending

Margin lending allows your clients to enhance their potential for wealth creation by making larger investments than would be possible using just your own funds. Having more money to invest can help achieve greater diversification and potentially higher returns.



Key Features:


> Borrow to invest
By using existing cash, shares or managed funds as security for your client's loan.


> Diversify your portfolio
Choose from a competitive list of over 2,100 shares and managed funds with LVRs between 35% - 75%.


> Potential tax benefits
Margin lending can be tax effective and interest paid on a margin loan is generally tax-deductible.


> Flexible loan structure
There are no transaction limits, no minimum amounts for cash advances, loan drawdowns or repayments.


> How to apply for a Margin Loan

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