OUR FINANCIAL ADVICE OFFER
Our offering and solution for our Private Wealth Clients is to develop strategies to help you reach your retirement goals, but also to make the best of your current situation for your shorter-term goals as well.
The group of Financial Advisers you have access to have the right Education, Ethics, Experience and Personalities to make sure you get the right advice for you.
The Carrington Financial Group model is structured to get you access to range of technical experts through a Single Relationship Manager.
As we are not aligned with any one bank or institution you can have the confidence that through us you will have access to a comprehensive suite of products to meet your needs and best interests and ensures we provide all the solutions necessary for you to achieve your personal and financial goals.
ESTATE PLANNING
Needing something a little more tailored and you want the confidence of a good outcome if something were to happen to you, Carrington Financial Group can now organise your Wills and Power of Attorney documents.
SUPERANNUATION
Superannuation is a type of long-term investment that ensures you will have enough money to live on when you finish working. We all hope to have long and happy retirements and the reality is that the age pension may not be enough to maintain your lifestyle, so wise investment in superannuation is crucial.
Carrington Financial Group will advise and guide you through the process of selecting the right superannuation for you.
FINANCIAL STRATEGY AND INVESTMENT ADVICE
Our aim is always to give you the freedom and flexibility to live comfortably and create a secure and sustainable financial future for you and your family.
Together, we can discuss how much money you would like to invest and the range of options available to you.
At Carrington Financial Group, we have particular expertise in term deposits, managed funds, direct shares and superannuation, so contact us today for a discussion about how we can get your money working harder for you.
SELF-MANAGED SUPER FUNDS
Self-managed superannuation funds (SMSFs) are the fastest growing sector of the superannuation industry. They provide greater investment choice and control than traditional superannuation funds and investment portfolios can be tailored specifically to your requirements.
SMSFs generally offer one-off fixed establishment costs and lower ongoing fees (particularly where a fund has in excess of $200,000 in assets).
They can also provide significant cost savings over time when compared to either retail or master trust funds because many of the ongoing costs are fixed, rather than increasing as the fund balance grows.
Our SMSF service can help you establish a self-managed super fund, take care of compliance and tax issues, manage your investments, and arrange insurances.
We can also answer any of your questions concerning superannuation, retirement incomes and estate planning.
Super strategies that we can consider together
CONSOLIDATION
Your super will be easier to manage if it is all in one account. You’ll probably end up paying fewer fees too!
BOOST YOUR SUPER
The before-tax contributions you make and the returns you earn are taxed at a lower rate of 15%, which basically means that saving through super is extremely tax effective.
SALARY SACRIFICING
This involves making an arrangement with your employer for some of your salary to be paid directly to your super fund prior to tax being taken out. This has the effect of reducing the amount of tax you pay on the salary you receive.
SPOUSE CONTRIBUTIONS
In many homes, one person contributes more to the super than the other. If you boost your partner’s super it can reduce your family’s overall tax bill.
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