Financial Planning


Connect Financial Planning Services was launched in April 2018 and was born from the same passion
behind the “Connect Story” and wanting to provide quality financial advice where the client’s best interests come first.

We take the time to understand you, your current financial position, needs and goals, so that we can provide personalised financial advice, solutions and recommendations tailored to your unique situation. We then meet with you regularly to ensure your financial strategy remains on track to achieve your objectives now and into the future.

Connect Financial Planning Services is a privately-owned financial advisory and wealth management business. We are an authorised representative of Capstone Financial Planning, a 100% privately-owned national Australian Financial Services Licensee that has no alignment to any bank or financial institution.

Through Capstone Financial Planning, we have access to a wide range of insurance and researched investment products. When we assess the most appropriate option for your needs and circumstances we do so with no bias towards any particular product provider. When we recommend a product or service to you it’s because we genuinely believe that particular product or service is the most appropriate solution for your specific needs as we understand them to be. We are not incentivised to recommend any particular product or service, nor are we compelled to participate in, nor are we motivated by, reaching any sales targets.

We will always act in your best interests first and foremost.

Financial planning is about helping you to make smart decisions about money so you can manage your financial affairs more effectively and reach your life goals sooner.

Our Financial Planning Services include:

  • Superannuation
  • Retirement Planning
  • Wealth Creation
  • Risk Protection
  • Estate Planning
 
Connect Financial Planning Services is a Corporate Authorised Representative (No. 1263442) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.

Superannuation

Superannuation is a tax effective way to save for your retirement. Understanding how super works can help you make the most of it, whether you are just starting out, are close to retirement or have already retired, its an essential part to ensuring you have the lifestyle you want in retirement.

Do you have multiple super funds? While consolidating your super into one fund has its advantages, there are also important things to consider, like your insurances, any termination fees and if your employer can contribute to your chosen fund.We can help you explore your options and determine a solution tailored for your needs and objectives.

Thinking about making contributions? Salary sacrifice, Government Co-Contribution, Spouse, Concessional or Non-Concessional? We can help you determine what’s right for you and formulate a strategy to meet your future goals and ensure you comply with the relevant caps.

Do you know where your superannuation is invested? We can help you understand your options and provide tailored investment advice based on your financial objectives, your investment time frame and your attitude to risk. It is also important to review your investments regularly to ensure they remain relevant and appropriate for your goals.

Thinking about a self managed super fund? It is important to understand that while there are numerous benefits to establishing an SMSF, there are also a number of considerations and risks to be aware of, including trustee responsibilities, cost-effectiveness and insurance cover. We can help you understand what’s involved in running your own fund and determine if it’s right for you.

Connect Financial Planning Services is a Corporate Authorised Representative (No. 1263442) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.

Retirement Planning

Retirement means different things to different people. For some, traveling across Australia in a caravan may be the ideal retirement while for others it could mean spending more time with the grandchildren, gardening, or pursuing other passions that were previously placed on hold.

Regardless of what retirement means to you, one thing is for sure - no one wants to spend their golden years worrying about money. We are all living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming of.

A bit of careful planning can help to eliminate the worry of not having enough to live on. Together you can work out what retirement means to you, including lifestyle goals, cost of living expenses and how much money you’ll need to fund the quality of life in retirement you’re aiming for.

Wherever you are on your journey towards retirement, it’s never too early to start planning. Even if you feel you’ve left things a little late, effective planning now can still make a real difference.

Consider the following to help you prepare:

  • When would you like to retire?
  • How many years of retirement do you need to provide for?
  • What are your lifestyle goals in retirement?
  • How much money will you need to fund these goals?
  • How much superannuation savings do you have?
  • Do you have any foreseeable expenses you need to allow for?
  • Do you have any dependents who will require ongoing financial support?

Connect Financial Planning Services is a Corporate Authorised Representative (No. 1263442) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.

Wealth Creation

Smart investors don’t rely on good luck, they plan, research and understand their investment strategies and how they fit with their financial goals.

If you’re planning to invest, it’s important to have a clear understanding of your financial goals, and how your investment strategy will help make these goals become a reality.

The first step is to determine what you want to accomplish with your money and when you want to achieve it. You also need to consider your appetite for risk. Investments that carry more risk are generally suited to a long-term investment horizon as they can be susceptible to periods of volatility over the shortterm. On the other hand, low-risk investments could make reaching your goals harder as they typically offer lower returns.

Spreading your money across different asset classes (ie: cash, fixed interest, property and shares), is a good way to reduce risk. Diversification is an essential strategy that can leave your overall investments less exposed should one shareholding or sector perform poorly. It’s also wise to diversify within asset classes. For example, a diversified share portfolio may hold shares across a number of different sectors such as healthcare, banking, resources, and technology, while a diversified investment property portfolio could hold residential, commercial and/or retail property.

A secure financial future requires careful planning and when it comes to choosing the right investment strategy to achieve your future financial and lifestyle goals advice from a qualified professional can be invaluable. We can analyse your financial situation and future goals and identify investment options that are suited to your needs and objectives. We will also meet with you on a regular basis, and provide you with regular reports and updates regarding your investments - allowing you more time to enjoy the things that are really important to you.

The right advice can help you to avoid many of the mistakes of poor investment planning.

Connect Financial Planning Services is a Corporate Authorised Representative (No. 1263442) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.

Risk Protection

How would your family cope if you died suddenly or suffered an unexpected serious illness or injury? Sickness and injury can strike at any time. You only have to know someone who’s been struck down by a sickness or accident to know it can, and does, happen.

Although it can be a sensitive topic of conversation, it pays to be aware of the potential risks and to understand how you can provide financial security for your family in the event that you are unable to work due to illness, injury or death.

Personal Insurance is a type of cover that provides financial security in the event of a serious injury or
illness, loss of ability to earn, total and permanent disablement, or death.

There are different types of personal insurance, and these include:

  • life insurance
  • Total and Permanent Disability (TPD)
  • Trauma (critical illness)
  • Income Protection

Life insurance (also known as death cover, life cover or term life cover) provides a lump sum benefit in the event of death or terminal illness. Generally, it is used to cover funeral services, any outstanding liabilities and to provide an income stream for your dependents.

Total and Permanent Disability (TPD) cover provides you with a lump sum if you are injured or fall ill and are unable to work permanently.

Trauma (critical illness) cover provides you with a lump sum upon diagnosis of a serious injury or illness as defined in the policy.

Income Protection insurance replaces up to 75% of your gross annual income as a payment if you are unable to work due to illness or injury.

The type of cover you need will vary according to your personal needs and circumstances. To find out which cover is right for you, please contact us.

Connect Financial Planning Services is a Corporate Authorised Representative (No. 1263442) of Capstone Financial Planning Pty Ltd. ABN 24 093 733 969. Australian Financial Services Licence No. 223135.