Expertise

At First Class Wealth, we’re experts in financial planning and investment advice, delivering value to all areas of your financial life. Our advice is comprehensive, independent, and holistic, ensuring that our clients receive all the advice they need based on their own unique circumstances and future plans.

Investment & Portfolio Management

Financial investments can be complex and challenging with numerous options, risks and considerations. Using independent research to support our recommendations, we are focused on finding the most appropriate investments for your circumstances and attitude to risk. We aim to simplify the complexities of shares, managed funds, property, term deposits, cash and bonds to give you more security and time.

We clearly communicate the specific benefits and drawbacks of all investments to ensure you’re making informed decisions. We construct and manage portfolios that are tailored to your individual circumstances to ensure you are making the most of your opportunities whilst not being exposed to inappropriate risks. Financial investments can be complex and challenging with numerous options, risks and considerations. Through our research and experience, we provide you with the complete investment solution.

Tax Minimisation

One of the most significant challenges in tax planning is that tax rules and regulations are ever changing, with effective strategies in one year often being rendered ineffective or obsolete the following year. Tax minimisation is an important facet of your overall financial strategy and should always be considered in combination with other areas such as investment returns, personal income and your financial objectives. 

Reducing the amount of tax that you pay every year can have an enormous impact on your long-term wealth. However, this requires thorough consideration and well-timed ongoing financial advice. That’s where we come in.

Personal and Business Protection

To protect the lifestyle of you and your family and to ensure your future lifestyle goals are met, an appropriate insurance plan must be in place. Unexpected events such as death, disability, serious illness or injury may result in you, your family and your business partners being unable to maintain their lifestyle, meet financial goals, or continue a business venture.

Insurance advice requires consideration to be given to your level of insurance needs, policy ownership, cash flow and the effect of tax on claims. First Class Wealth will always provide advice that is perfectly matched to your individual circumstances. Protecting the immediate lifestyle of you and your family as well as your future plans requires appropriate insurances to be in place. Personalised plans to protect you, and your wealth.

Retirement Planning

Approaching retirement can be very exciting as you look forward to a significant lifestyle shift and an opportunity to enjoy more of life’s pleasures, however preparation is the key to successfully navigating the transition. It’s never too early to start preparing for your retirement and this focus can open up a range of wealth creation strategies that will strengthen your financial position as you move toward financial independence.

It’s vital that your retirement planning strategies are flexible, as this is a time when your personal situation can change quickly due to changes in health, employment, children who need financial support or a shift in your personal goals. Longevity also becomes a major focus as we look to ensure that your retirement savings can support you for as long as necessary. This can be achieved through establishing income streams, cash flow management and other strategies such as accessing any Centrelink entitlements. Approaching retirement can be very exciting as you look forward to a significant lifestyle shift and an opportunity to enjoy more of life’s.

Superannuation

Superannuation is a tax effective savings structure designed to fund retirement and is one of the most significant assets most people will own. To ensure that you maximise your superannuation we will assess your SMSF fund, assets, insurances and contributions including salary sacrifice. We do this whilst giving consideration to your own investment time horizon, tolerance to risk, need for access to funds due to retirement or alternatively just needing a regular source of income.

Cashflow Management

Effectively managing your cashflow can have an enormous impact on your overall financial health. At First Class Wealth, we believe that developing and maintaining the right financial behaviours is essential in achieving your goals as your cashflow is the foundation for almost all long term wealth creation strategies.

Debt Reduction

Securing your financial future is not just about building your assets but also paying down debt. We consider strategies to help you reduce and eliminate your debts as quickly as possible without significant compromise to your lifestyle. Effectively managing your cashflow can have an enormous impact on your overall financial health.