Areas of Expertise
Estate Planning
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To ensure your wealth goes to the people you love, Estate Planning is one of the most vital components of any financial strategy. This includes having an up-to-date Will to provide a sense of security and comfort for your family.
At ClearStone Wealth we provide a detailed advisory service on the formulation of tailored estate plans. This includes the requisite legal issues, tax implications, powers of attorney, beneficiary nomination, trust set up and liquidity management for unforeseen financially stressful situations, etc. A well structured estate plan can provide you with peace of mind and helps to mitigate potential complications for your beneficiaries. We adhere to a bespoke approach keeping in view your specific needs and preparing an Estate Plan that addresses the following key areas: |
§ Amount of ownership and control each beneficiary has over the assets
§ Tax planning
§ Power of Attorney appointments
§ Management of non-estate assets
§ Succession planning
§ Buy/sell agreements
If you would like to find out more about our comprehensive estate planning services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
§ Tax planning
§ Power of Attorney appointments
§ Management of non-estate assets
§ Succession planning
§ Buy/sell agreements
If you would like to find out more about our comprehensive estate planning services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
Visit our Resources section for a downloadable copy of ClearStone Wealth Estate Planning.
Retirement Planning
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Retirement has experienced significant changes. Now it can be as early as 60 years to the orthodox retirement age of 65 years or even later.
There are a wide array of questions that need to be addressed to define a clear, desirable and achievable retirement plan. Questions like; how much do you need after retirement, how can you improve your savings, tax benefits, investment planning, Centerlink entitlements, superannuation maximisation, and the list goes on. The key to maximise post-retirement benefits is to start planning now. With decades of collective experience coupled with our genuine passion for helping clients, you can sit back, relax and entrust ClearStone Wealth for your Retirement plan. If you would like to find out more about our comprehensive retirement planning services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser. |
Wealth Management
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ClearStone Wealth prides itself in providing tailored wealth management solutions to meet the needs and demands of our clients.
A diversified investment portfolio geared towards achieving the right balance of return and growth is the underlying principle followed by our investment philosophy. The basic ideology is for your money to work for you as you have already played your role in creating the wealth. A common misconception is delaying access to professional wealth management advice in the belief you need money and assets first. However, the opposite is true! Our team of investment specialists believe in helping you attain clarity in the goals you wish to achieve before tailoring a wealth creation plan to help you achieve them. ClearStone Wealth will manage the daunting task of ‘investments monitoring and management’ for you in a comfortable, relaxed and a professional manner. |
If you would like to find out more about our comprehensive wealth management services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
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Wealth Protection
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As the name suggests, wealth protection provides insurance cover to protect you and the wealth you’ve generated if something go wrong.
The financial affects of death, partial or permanent disability, loss of income or a serious medical condition can be very distressing and mentally agonising. This can have serious implications for the health and well-being of your whole family as well as yourself. As specialists in wealth protection, we work with all insurers to ensure you have the best coverage to suit your needs. Your wealth protection plan will be tailor-made for you depending on your concerns over: |
§ Covering exorbitant medical bills as a result of your illness
§ Repaying just your mortgage or all of your debt
§ Covering daily living expenses
Wealth protection plans typically include life cover, trauma insurance, Total Permanent Disability (TPD) and income protection.
Our service goes beyond providing solutions to protect your wealth. We are also there to help you should you need to make a claim. This includes facilitating prompt receipt of payments.
Take the first step now and contact us for help in protecting your hard earned wealth!
If you would like to find out more about our comprehensive wealth protection services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
§ Repaying just your mortgage or all of your debt
§ Covering daily living expenses
Wealth protection plans typically include life cover, trauma insurance, Total Permanent Disability (TPD) and income protection.
Our service goes beyond providing solutions to protect your wealth. We are also there to help you should you need to make a claim. This includes facilitating prompt receipt of payments.
Take the first step now and contact us for help in protecting your hard earned wealth!
If you would like to find out more about our comprehensive wealth protection services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
Self Managed Super Funds (SMSF)
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Self Managed Super Funds are also referred to as Do it Yourself Super Funds (DIY) because they are a superannuation fund controlled and operated by the fund members (by law they are also required to be the trustees).
Over the years Self Managed Super Funds have gained a lot of traction in the Australian market and the industry is growing at an unprecedented level. SMSF allow greater control over your investment decisions and provide flexibility, tax efficiency, cost savings, transparency, estate planning, and the ability to leverage investments (e.g. shares, property). At ClearStone Wealth, we will guide and educate you on how to achieve your financial goals through an optimally managed SMSF. In addition, we will continually monitor the progress of your SMSF on your behalf. This ensures your retirement nest egg remains on top of the market to maximise your super outcomes. |
If you would like to find out more about our comprehensive SMSF services, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
Superannuation
A superannuation fund (commonly referred as ‘Super’) should be directly correlated to your retirement goals.
As the common saying goes, better planning now leads to better and improved results later on. This absolutely applies to the management of your Super fund and the contributions you make to it. In fact, it is increasingly important to make sure that your super is working harder than you are so the benefits you reap at retirement match your goals.
ClearStone Wealth has extensive experience managing super funds for the diverse needs of our clients. We are always well-informed of any amendments to the Superannuation Rules made by Government. In addition, we provide strategic and transparent advice to our clients that is beneficial and legally compliant.
With access to a range of easy to understand and manage super funds through to more complex investment platforms, we will formulate a super strategy to match your short and long term objectives.
If you would like to find out more about our comprehensive super offering, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
As the common saying goes, better planning now leads to better and improved results later on. This absolutely applies to the management of your Super fund and the contributions you make to it. In fact, it is increasingly important to make sure that your super is working harder than you are so the benefits you reap at retirement match your goals.
ClearStone Wealth has extensive experience managing super funds for the diverse needs of our clients. We are always well-informed of any amendments to the Superannuation Rules made by Government. In addition, we provide strategic and transparent advice to our clients that is beneficial and legally compliant.
With access to a range of easy to understand and manage super funds through to more complex investment platforms, we will formulate a super strategy to match your short and long term objectives.
If you would like to find out more about our comprehensive super offering, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
Salary Packaging
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Salary packaging primarily lowers your taxable income and increases your take-home pay, giving you more money in your pocket to spend on the things you want.
It works by the employee agreeing to forgo a portion of their taxable cash salary in exchange for non-cash fringe benefits provided by their employer. ClearStone Wealth has a comprehensive understanding of the complete spectrum salary packaging options and benefits. Finding the most tax effective manner to bundle salary packages is one of our key area of competency. |
Our salary packaging services cater to the needs of our employee clients working in the corporate, private or government sector.
If you would like to maximise your salary package by reducing your income tax, boosting your superannuation savings and gaining other concessionally taxed employee benefits contact one of our specialist Advisers on 1300 883 786 or [email protected]
If you would like to maximise your salary package by reducing your income tax, boosting your superannuation savings and gaining other concessionally taxed employee benefits contact one of our specialist Advisers on 1300 883 786 or [email protected]
Centrelink Strategies
There are numerous Centerlink benefits available to Australians. Unfortunately, dealing with Centerlink is time consuming, difficult and frustrating.
ClearStone Wealth has the relevant experience and knowledge to design strategies that take full advantage of your available benefits with a view to determining your eligibility for either an age pension or an allowance.
Like the other services we provide, adhering to a tailor-made and client specific approach is our recipe for success. We will assess your current assets, income and personal situation as well as your goals and objectives to determine the most suitable strategy for your financial situation.
If you would like to find out more about our comprehensive Centerlink strategies, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
ClearStone Wealth has the relevant experience and knowledge to design strategies that take full advantage of your available benefits with a view to determining your eligibility for either an age pension or an allowance.
Like the other services we provide, adhering to a tailor-made and client specific approach is our recipe for success. We will assess your current assets, income and personal situation as well as your goals and objectives to determine the most suitable strategy for your financial situation.
If you would like to find out more about our comprehensive Centerlink strategies, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
Debt Recycling
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Debt recycling is a three-tiered financial strategy that aims to reduce your mortgage, minimise your tax liability and generate future wealth.
Traditional debt management focuses solely on reducing your existing home loan without looking at potential investment strategies. Debt recycling is different. It uses the equity in your home loan to invest in other opportunities. |
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How does debt recycling work?
It’s all about creating a cycle of turning ‘bad’ debt into ‘good’ debt. An investment loan is set up with your existing free cash flow. Investment assets typically include shares and property that can provide good tax returns. Any additional income received from that investment (such as dividends, tax savings or windfalls) is used to reduce the home loan balance. Then every so often, the home loan is redrawn and the amount added to the investment portfolio.
Over time, you’ll find your home loan reduces while your investment assets grow – creating debt recycling.
What are the benefits?
The benefits of debt recycling include the ability to pay off your home loan sooner. You can also potentially save home loan interest and tax each year, while creating future wealth. And you can do all this while maintaining your current lifestyle.
If you would like to find out more about our comprehensive debt recycling strategies, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
It’s all about creating a cycle of turning ‘bad’ debt into ‘good’ debt. An investment loan is set up with your existing free cash flow. Investment assets typically include shares and property that can provide good tax returns. Any additional income received from that investment (such as dividends, tax savings or windfalls) is used to reduce the home loan balance. Then every so often, the home loan is redrawn and the amount added to the investment portfolio.
Over time, you’ll find your home loan reduces while your investment assets grow – creating debt recycling.
What are the benefits?
The benefits of debt recycling include the ability to pay off your home loan sooner. You can also potentially save home loan interest and tax each year, while creating future wealth. And you can do all this while maintaining your current lifestyle.
If you would like to find out more about our comprehensive debt recycling strategies, contact ClearStone Wealth on 1300 883 786 or [email protected] and ask to speak to a Financial Adviser.
