Services
Financial advice that brings the pieces together.
Financial decisions rarely sit in isolation. Your superannuation can affect your retirement plans, investments influence future income, insurance protects the strategy you're building, and Centrelink can form part of the picture later in life.
At Johnston Financial, we look at the bigger picture and provide advice tailored to your circumstances, priorities and goals.
Our advice may cover one particular area or bring several strategies together as part of a broader financial plan.
Make your super work harder for your future.
Superannuation is likely to become one of your most important financial assets, but knowing whether you're making the most of it isn't always straightforward.
We can help you understand your super and develop strategies that support your broader financial goals.
Advice may include:
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reviewing your existing superannuation arrangements
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contribution strategies
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salary sacrifice and personal contributions
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investment options within super
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consolidating superannuation where appropriate
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beneficiary and death benefit considerations
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preparing your super for retirement
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pension and retirement income strategies
The aim
To give you a clearer understanding of where you stand and greater confidence in the financial decisions leading into retirement.
Turn your retirement goals into a financial strategy.
Retirement planning is about much more than picking a retirement date.
It's about understanding what you have, what lifestyle you'd like to enjoy, how much income you may need and how your assets could support you over the years ahead.
We can help you model the different pieces and develop a strategy for the transition from working and accumulating wealth to drawing an income in retirement.
Advice may include:
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determining your retirement goals and timeframe
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estimating retirement income needs
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superannuation contribution strategies before retirement
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transition to retirement considerations
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account-based pensions and retirement income
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investment strategies in retirement
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Centrelink considerations
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managing cash reserves and planned expenditure
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reviewing the sustainability of your retirement strategy
The aim
To give you a clearer understanding of where you stand and greater confidence in the financial decisions leading into retirement.
Invest with purpose.
An investment strategy should start with what you're trying to achieve, not simply which investment to buy.
We can help you develop an investment approach that considers your objectives, timeframe, financial position and tolerance for investment risk.
Advice may include:
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investment strategy
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asset allocation and diversification
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investments inside and outside superannuation
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managed investments
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portfolio reviews
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investment income requirements
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reviewing and rebalancing investments over time
The aim
To build an investment strategy with a clear purpose and an appropriate balance between risk, return and your financial objectives.
Protect the financial plan you're building.
A sound financial strategy should consider not only what happens when things go according to plan, but also what could happen if they don't.
Personal insurance can help protect you and your family financially if illness, injury or death interrupts your ability to work or achieve your financial goals.
Depending on your circumstances, advice may consider:
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life insurance
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total and permanent disability insurance
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income protection
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trauma or critical illness insurance
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the level of cover you may need
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ownership and funding of insurance
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insurance through superannuation
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reviewing existing cover as circumstances change
The aim
To help make sure an unexpected event doesn't unnecessarily undermine the financial security you've worked to build.
Understand how Centrelink fits into the bigger picture.
For people approaching or already in retirement, Centrelink can be an important part of financial planning.
The interaction between income, assets, superannuation, investments and retirement income can make it difficult to understand what you may be entitled to and how changes in your circumstances could affect you.
Advice may consider:
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Age Pension considerations
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income and assets test implications
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superannuation and retirement income
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investment structures
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changes to your financial circumstances
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how Centrelink interacts with your broader retirement strategy
The goal?
To help you understand how Centrelink may fit alongside your superannuation, investments and other sources of retirement income.
Financial advice shouldn't stop when the plan is implemented.
Life changes. Markets change. Legislation changes. And what matters to you can change too.
Where appropriate, an ongoing advice relationship allows us to regularly review your financial strategy and make adjustments as your circumstances evolve.
Ongoing advice may include:
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reviewing your financial position and goals
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reviewing superannuation and investments
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portfolio management and rebalancing
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reviewing retirement income
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considering changes to Centrelink circumstances
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reviewing insurance needs
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adjusting strategies following significant life changes
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keeping your financial plan aligned with your longer-term goals
The aim
To keep your financial strategy relevant rather than allowing it to become a plan that was prepared once and then forgotten.