Trive Advice focuses on offering clients with customized financial planning advice on the following matters:

Superannuation Advice

Aged Care Advice 

SMSF Setup & Ongoing Advice

Estate Planning

Retirement Village Advice  

Retirement Planning

Wealth Protection 

SUPERANNUATION ADVICE – How we can help

We assist you in understanding
  • how superannuation works
  • the returns, fees and how this may impact on the underlying investment returns
  • your risk tolerance and attitude towards investing
  • your insurance needs – what insurances should you have including the level and type of insurances and who should own these policies (in super or in your personal name)

SMSF – Setup & Ongoing Advice

De-mystifying the complexity around this type of structure
  • Working with you to explain how a SMSF works, the roles and responsibilities the trustees need to consider and most importantly, giving advice on whether this type of structure is appropriate for you and alternatives to consider

RETIREMENT PLANNING – Helping you navigate the financial challenges

  • Establish an accurate picture of where you are now
  • Identify when you wish to retire and set clear goals
  • Implement strategies, actions and investments to ensure you can meet these goals
  • Review at least annually to tweak strategies to ensure they remain appropriate and achievable

ESTATE PLANNING

  • Planning for your estate has become more important in recent times which often involves much more than just a simple will drawn up. Family trusts, payouts of superannuation and the tax implications for beneficiaries can all be managed with a careful estate plan.
  • Seeking advice is the first step in developing a proper estate plan to assist you in avoiding possible difficulties and disagreements for your beneficiaries.

RISK INSURANCE ADVICE – What happens to your family if something happens to you?

Wealth Protection Advice
  • the areas where you may need protection
  • what insurances are appropriate for your circumstances (life, permanent disability, income protection, trauma, business)
  • the level and type of insurances including who will own the insurance policies (super or in your personal or business name)

AGED CARE ADVICE

Our qualified aged care financial advisers provide potential residents and families with all the information and advice required for their specific situation.
  • Discuss fee structures and affordability of care
  • Opening the lines of communication with the aged care home for respite and permanent arrangements
  • Determine the correct structuring of assets and income
  • Make a budget that includes the aged care fees so there are no unexpected surprises
  • Strategies to assist with maximizing Centrelink/DVA entitlements
  • Strategies to assist with minimizing the ongoing costs of aged care
  • Decisions regarding keeping/renting/selling the family home or investment properties
  • Discuss intergenerational wealth transfer

Once you appoint us as your advisers, we provide you with a document that calculates, examines and evaluates the advantages and disadvantages for the various outcomes associated with the different strategies identified in our initial discussion as well as 5 years cash flow projections.

RETIREMENT VILLAGE ADVICE

Retirement village costs and fees differ between villages and its vital to receive an objective assessment on how this move will impact you, both personally and financially. Depending on your situation, taking these costs into consideration may still make a retirement village the best option for you.
We assist you to:

  • Understand how retirement village fees and charges work
  • Discuss the fee structures associated with your preferred new living arrangements
  • Strategies to assist with maximizing Centrelink/DVA entitlements
  • Decisions regarding the sale of the family home and investment of surplus money following the sale
  • Devising the best and most cost-efficient options for you when making the move into a retirement village
  • Assist you with determining any home care arrangements
  • Liaise with you solicitor to ensure the legal and the financial aspects work together on achieving the right outcome
Trive Advice

Financial Services Guide

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