Services
Superannuation
Superannuation is the second largest asset for many Australians after their family home. Sanders Financial Planning offers a free initial consultation where we identify ways we can add value to your superannuation. We complete a comprehensive assessment of your financial circumstances and we work closely with you to create a diversified, investment portfolio that will help you to achieve your retirement goals.
​
​Sanders Financial Planning can help you:
​
-
Take full advantage of Government Incentives to reduce your taxable income and boost your retirement savings.
-
Understand your superannuation – we will work with you to help you understand how your superannuation is invested, where it is heading and how we can keep you on track to achieve your superannuation goals.
-
Establish tax and cost-effective personal insurance through your superannuation account.
-
Consolidate your accounts – it is often cheaper and easier to control your superannuation through one account.
-
Manage your own superannuation – Sanders Financial Planning can offer advice on Self-Managed Super Funds, giving you the knowledge and skills needed for you to access and manage your fund with confidence.
Retirement Planning
Sanders Financial Planning will help take the guesswork and stress out of planning for retirement. We care about helping you to enjoy your retirement and enjoy a lifestyle and quality of life that you have worked your entire life for.
​
Sanders Financial Planning can help you:
​
-
Create a Transition to Retirement Strategy – we can create a strategy and income stream to supplement your income and reduce your work hours, preparing for retirement.
-
Use a Transition to Retirement Pension to continue to boost your superannuation account balance and pay less tax as you get closer to retirement.
-
Establish an account-based pension – This will turn your superannuation into a regular income stream.
-
Save on tax and capital gains tax relating to matters of retirement, such as selling a business and downsizing your home.
-
Decide if a reverse mortgage is a suitable option for you.
Estate Planning
Estate planning is a difficult topic, and the staff at Sanders Financial Planning have extensive experience exercising kindness, respect and understanding when dealing with estate matters. Sanders Financial planning can assist with the management of your affairs to ensure a smooth transfer of your wealth to your intended beneficiaries.
​
Sanders Financial Planning can help you:
​
-
Create tax effective estate planning strategies.
-
Nominate Beneficiaries for your superannuation, pension and investment accounts and personal insurance.
-
Establish your Will and Enduring Power of Attorney (EPOA) and we offer periodic reviews of these documents to ensure they remain current and reflect your wishes.
​
Creating Wealth
Building wealth begins with a vision and a plan. Sanders Financial Planning can help you define your vision, then leave the planning to us.
​
Sanders Financial Planning can help you:
​
-
Create achievable savings goals and our staff will regularly check-in with you to make sure you are staying on track.
-
Establish a Diversified Investment Portfolio tailored to your individual needs.
-
Link your savings goals with realistic timeframes and acceptable Investment Risk.
-
Consolidate your debts and work closely with you to create wealth building strategies.
-
Invest in companies that operate in line with your values – Environmental Social Governance Investing.
Budgeting
A budget is a powerful guide you can use to help you take control of your finances. Put simply, a budget is a plan to create wealth. Take control, pay your bills on time and achieve your financial goals faster.
​
Sanders Financial Planning can help you:
​
-
Create a detailed budget – you will see where your money is going and what surplus is available.
-
Track your spending – Our staff will regularly check in with you at agreed time intervals to see if you are managing your budget and adjust savings goals if needed.
-
Manage a low income – we will also look at ways of reducing your debt to increase your available cash.
Personal Insurance
Personal insurance is all about risk protection and making sure your careful planning, hard work and savings are not lost due to unexpected events. Sanders financial Planning can assist you to secure insurance that offers the best level of protection for yourself and your family. We will conduct a detailed analysis of your personal and financial circumstances and goals, your assets and debts, and we will structure and recommend insurance that provides effective coverage and peace of mind.
​
Sanders Financial Planning can help you with:
​
-
Business Insurance
-
Life Insurance
-
Trauma Insurance
-
Income Protection (IP) Insurance
-
Total and Permanent Disability (TPD) Insurance
-
Identifying potential tax savings by claiming relevant insurance premiums
-
All claims for policies we are the servicing adviser of – we will assist you from the lodging of your claim to payment.
Centrelink & Foreign Pensions
Sanders Financial Planning has extensive experience assisting clients with applying for Centrelink, as well as Foreign Pensions, such as the German and UK Pensions.
​
Sanders Financial Planning can help you with:
​
-
Applying for Centrelink. We can liaise with Centrelink on your behalf by becoming your Correspondence Nominee.
-
Structuring your assets to ensure you maximise your Centrelink entitlements.
-
Applying for UK and German foreign pensions.
-
Transferring of UK pension to Australia (if you meet the criteria).
