Investments
We can help with all aspects of investing and we advise on a full range of investments including cash, fixed interest, property and shares (both Australian and International). Investment portfolio's are tailored to each clients' investment objectives and risk profile to ensure that your investments are well positioned for your medium and long term investment goals.
Retirement Planning
Do you know where your income is going to come from in retirement and how long it's going to last? Answering these two key questions is paramount to any effective financial plan and here at Davian & Associates we will provide you with clarity for the future and can assist you in achieving the lifestyle you seek in retirement by providing practical and helpful advice.
Superannuation
Superannuation is one of the largest single investments that anyone will make and it is an important, tax effective investment vehicle. The Australian government has made a number of changes to Superannuation in recent years, including changes to the concessional contributions cap, the rate of compulsory Superannuation guarantee, and personal contributions cap just to name a few. In this continually changing landscape it's vital to seek the advice of an experienced adviser to ensure you maximimse your investment in Superannuation whilst minimising tax.
Cashflow
Cash flow management is the core to your financial strength. Understanding how much you are spending, what you are spending it on, and what is your ability to save can make a huge impact on the way you handle your money. Starting a regular savings habit is the launch pad to achieving financial strength and a core ingredient to any financial plan.
Life Insurance
Life insurance is designed to protect your family and anybody else who relies on your financial support. If you die and lose your income, the people that are dependant on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose. Even if you have no dependants, there can be instances where life insurance can be beneficial, such as your desire to cover your own funeral expenses.
Income Protection
Your income is one of your most valuable assets, without it you cannot support the lifestyle that you have worked so hard to achieve. However the majority of Australians don't have any income protection insurance. income protection insurance provides financial protection for the insured, against a loss of income whilst they are unable to work due to illness or injury.
Trauma Insurance
How many people do you know that have suffered from cancer, stroke, or a heart attack? most of us would be able to list five or perhaps ten people we know, who have suffered from one of these conditions. Sadly, based on statistics, only three out of every ten would have insured themselves against these events. Yet most would have lived to tell the story. In fact that's the problem. It is when you are recovering from a serious illness that you need extra money for doctors, nurses, special equipment or just debts.
Total and Permanent Disability
Total and Permanent Disability Insurance (TPD) provides a lump sum if you suffer an illness or injury and are permanently unable to work. This will help you maintain your current lifestyle whilst helping cover your loss of income and helping cover the additional expenses that arise as a result of an ongoing injury or illness.
Estate Planning
It might not be the most exciting part of financial planning but it is extremely important. If you plan on building wealth then it also makes sense to have a plan to pass that wealth onto the right people with the right structure.