Superannuation and retirement
Contribution strategies, consolidating accounts, transition to retirement, and working out how your super will actually pay you once you stop working.
What we do
Services
Commonly, advice will be in the areas of superannuation, retirement, investment outside of super, cash flow, insurance and estate planning. We don’t advise on property, but where you own it we take it into account in your overall position.
Investment advice
Building and reviewing a portfolio matched to your goals, your timeframe and the level of risk you can genuinely live with.
Personal insurance
Life, TPD, trauma and income protection, plus business expense, key person and funding buy-sell agreements for business owners. Working out what genuinely needs protecting, what it costs, and what you can stop paying for.
Self-managed super funds
Advice on whether an SMSF suits your circumstances, and/or on running one you already have. An SMSF brings real responsibilities as a trustee, and it doesn’t suit everyone — part of this conversation is establishing whether it suits you.
Estate planning & asset protection
How your superannuation, insurance and investments are structured to pass on the way you intend.
Cash flow and budgeting
Understanding where your money actually goes, and building a structure that lets you save deliberately rather than saving whatever happens to be left at the end of the month. We can model different scenarios so you can see the effect of a decision before you commit to it.
Debt management
Working out which debts to tackle in what order, and how repayments sit alongside everything else you are trying to do. We can model the effect of different repayment approaches over time. We don’t arrange loans or provide credit advice.
Investment returns are not guaranteed. The value of investments can fall as well as rise, and past performance is not a reliable indicator of future performance.
What else we do
Most people’s financial lives already involve other professionals. We work alongside your accountant, solicitor and mortgage broker rather than replacing them — we don’t provide tax, legal or lending advice — and between us we work out how it all fits within your broader financial plan.
What we don’t do
AVALONFS does not provide advice on crypto currencies, currency or foreign exchange trading, derivatives, tax, accounting, legal matters, general insurance, real estate or property, or lending other than margin loans and gearing. If you need the services of another professional, we’ll tell you.
Where to start
A first conversation costs nothing and carries no obligation. It’s mostly us asking questions — what you’re trying to sort out, what’s already in place, and whether we’re the right people to help.