Our Services

Wealth Creation

Long term wealth creation is the foundation of financial security and success.  Building wealth does not require a huge income or amazing luck.  Instead wealth is created by investing money effectively and intelligently, so that it can work harder for you and grow.

The range of investment options and strategies are available to grow your wealth is wider and more powerful than ever before.  By taking advantage of these strategies you can supercharge your wealth creation and achieve financial security, or choose to maintain and grow your wealth steadily with time. 

At Robertson Financial Planning we offer our expertise in both pure investment advice and in more comprehensive, long term financial plans.  We can develop a financial plan that uses effective investment strategies to build your wealth, taking into account the range of taxation, protection, retirement and estate planning issues. 

Retirement Planning

With Australians living longer retirement planning is more important than ever before.  The ability to have and maintain a good retirement lifestyle is a common goal, but without planning many people fail to achieve the lifestyle that they are capable of. 

 Pre-Retirement

It is never too early, or too late, to begin planning for your retirement.  By having a strong and effective road map to retirement you can be guaranteed to enjoy your retirement and maintain your lifestyle. 

As part of our holistic approach to advice we create a road map to retirement for you, which allows you to focus safe in the knowledge that you are moving towards a financially secure retirement. 

Our pre-retirement advice to you includes:

• A plan tailored to your circumstances, goals and target retirement lifestyle

• Annual reviews to keep you on track and adjust your financial road map to reflect life changes

• Investment, insurance, debt and gearing advice

• Transition to retirement planning

 Post-Retirement 

Robertson Financial Planning specialises in helping you to maximise your post-retirement lifestyle.  We do this through a combination of balancing your cash flow, maximising your use of government incentives and entitlements, and optimising the structure of your asset holdings. 

By examining your circumstances and goals in post-retirement RFP can assess your ability to restructure and take advantage of changing rules and regulations so that you can make the most of your income and assets.  This can make all the difference between retirement bliss and retirement envy. 

As part of our service guarantee, we offer a free initial consultation to determine how we can optimise your post-retirement lifestyle or develop a pre-retirement road map.

Debt Management

Debt management is a key ingredient in successful wealth creation and management.   If you are under the pressure of excessive debt, you may be moving towards your goals at a slower rate, or even going backwards!  If you are not making strategic use of debt financing, you may not be moving towards your goals as quickly as you would like. 

 As part of our services to you we offer:

• A financial health check up

• Accelerated debt reduction strategies

• Tax effective financing advice

• Refinancing and debt restructuring facilities

 We offer both effective debt reduction and management advice and holistic financial planning advice.

Ensuring you have a comprehensive estate plan in place can provide peace of mind for that unknown next step in life. It can mean the difference between your beneficiaries paying tax vs getting exactly what you thought you were leaving them.

We can ensure that beneficiary nominations on superannuation and applicable insurances appropriately reflect your wishes.

Tax minimisation is not a stand-alone issue, but instead impacts on other areas of your finances.  As such taxation is a key area of consideration when developing holistic financial advice. 

At Robertson Financial Planning we use our expertise to maximise the tax effectiveness of your plan.  This allows your money work harder for you, so that you can get the most out of your own hard work and achieve your goals faster. 

A couple of simple and common examples of the difference tax effective planning can make include:

• By holding insurance through super, insurance can effectively be funded using pre-tax dollars

• By negatively gearing investment property, overall tax liability may be lowered

 If you are not using your earnings tax effectively, you are working harder and taking longer to achieve your goals.

The protection of your family and yourself is an integral component of financial planning.  Having adequate insurance gives you peace of mind and means that your family’s lifestyle is protected.  Personal insurance is used to protect against:

• Death

• Disablement

• Critical Illness

• Trauma

• Temporary Illness or Injury

 The difference between adequate insurance and insurance that is inadequate (or non-existent) often only becomes apparent when it is too late.  By having adequate personal insurance, the effects of the events above can be minimised. 

The most common insurance products required are:

• Life Insurance

• Total and Permanent Disablement (TPD) Insurance

• Critical Illness (Trauma) Insurance

• Income Protection Insurance

• Business Expense Insurance

• Child Trauma Insurance

 The insurance that you need will depend on your circumstances and priorities.  As well as being underinsured, many Australians have unnecessary, excessive or simply incorrect insurance for their circumstances. 

 Our knowledge of personal insurance and the strength of our professional relationships with insurers is a key part of our quality advice offering to you.  This allows us to provide you with the best possible service and advice, including:

•  Priority claims processing

• Assistance in completing insurance applications and claims

• Help when you need it most, clear direction and the best and most timely advice when disaster strikes