Our Services
here's how we can help youSuperannuation
Making your superannuation savings work for you
While it may not seem like it yet, your superannuation savings or ‘super’ as it is more commonly called, is likely to be one of your greatest assets as you approach retirement.
However, many people overlook the importance of superannuation and the role it plays in growing your retirement nest egg. For instance, those who pay little attention to their superannuation fund may find that their superannuation savings are held in the default (or balanced) option, which may not be ideal for their circumstances, retirement goals, or what we call your “tolerance towards risk.”
This could mean reaching retirement age with less money in your super fund than you may have otherwise accrued had the investments been more appropriately structured according to your needs, situation and objectives.
At Liberata Wealth, we understand the complexities of the superannuation environment and can help structure a superannuation strategy that’s right for you.
To find out more about our approach to superannuation, please contact us.
Retirement planning
The key to a successful retirement is careful planning
Retirement means many different things to different people. For some, it could mean spending more time with family, friends or travelling. While for others, it could mean pursuing a neglected passion, starting a small business or volunteering.
Regardless of what retirement looks like to you, the key to making your ideal version of retirement a reality is to plan, save and invest carefully before you reach your retirement years.
A key consideration is to ensure that your retirement savings last as long as you do, and that the lifestyle you imagine in retirement is one that you can ultimately afford. This requires a considered, methodical approach and a thorough assessment of your financial resources and accumulated assets as you near retirement.
At Liberata Wealth, we’re retirement planning specialists and have helped many people just like you to plan, look forward to, and eventually enjoy a secure, comfortable quality of life in retirement. It’s what we do well.
Even if you feel you may have left it a little too late, it’s never too late to get started.
To find out more about our approach to retirement planning, and how we can help you please contact us.
insurance
The protection you need, the peace of mind you deserve
An unexpected illness, injury or worse is not something we like to contemplate, however should the unexpected happen it can be reassuring to know that you have done everything you can to protect you and your loved ones financially.
Unfortunately, many Australian households are underinsured or have insurance cover that isn’t suitable for their needs or circumstances. This can place unnecessary strain on the family in the event of an unexpected illness, injury or death.
At Liberata Wealth we believe that insurance is the cornerstone of a sound financial plan. As part of our holistic approach, we’ll discuss various types of insurance cover that we feel may be suitable for you based on your circumstances and obligations. And should you ever need to make a claim, we will take care of the process for you.
It’s all part of our duty of care to ensure that you and those you care for are adequately protected should the unexpected strike.
To find out more about our approach to insurance, please contact us.
Investment advice
For investors that value expert advice
Despite the often-volatile nature of investment markets, investing remains one of the most effective ways to grow your wealth over the long term.
Too many people make poor investment choices based on bad advice, media coverage, or emotional impulse decisions when markets experience a sharp downturn. An imprudent decision in the short term can have a detrimental effect on your investment portfolio over the medium to longer term.
At Liberata Wealth, we believe that investing is not speculating. Successful investing requires a disciplined approach and an investment strategy that’s customised to your individual goals, objectives and requirements.
We design investment strategies that are based on a thorough understanding of your circumstances, attitudes and objectives. And we only proceed when you are entirely comfortable with the investment strategy we recommend.
We meet with you on a regular basis to discuss and review the performance of your investments. This also provides the opportunity to review your personal circumstances and to make any modifications that may be required to ensure your investments remain on track to achieve your goals and objectives.
To find out more about our approach to investing, please contact us.
financial Planning
Guiding you towards a secure financial future
Regardless of where you are in life, everyone can benefit from financial advice from a qualified professional. Whether you’re just starting out, saving for your first home, looking to invest or planning for retirement, an effective financial strategy can help you to reach your goals sooner.
Our approach is an open and transparent one, where we aim to explain what can often be complex financial solutions and strategies in easy-to-understand terms and simple language.
We believe in sharing our knowledge and empowering our clients to make smarter decisions about money. Because making certain financial decisions can have an impact on other areas you may not have considered.
Ultimately, our goal is to help each client make their financial and lifestyle goals and aspirations become a reality through careful, disciplined financial planning.
To find out how we can help you, please contact us.
financial management
Gain control of your finances
Managing your day-to-day finances while saving for a bigger goal can be challenging on your own, especially if you have already accumulated credit card or other debt.
At Liberata Wealth we help people from different financial situations to get on top of their finances with sensible, realistic strategies that aim to minimise debt and put you back in control of your financial future. Our aim is to put you back in the driver’s seat; to overcome financial adversity and get you on a clear path towards financial prosperity.
Our financial management services include debt management advice, cash flow management, budgeting and savings plans.
To find out how we can help you, please contact us.
Aged Care advice
We can help you to navigate the complexities of aged care
The loss of independence, the emotional upheaval and the financial implications can feel overwhelming. When the time comes, there are often significant financial decisions that must be made in a short period of time which can make the situation more stressful.
Aged Care is a complex area with many factors to consider including the decision as to whether to sell the family home.
At Liberata Wealth, we understand the complexities of the aged care system including the various options for in-home and residential care, associated costs, payment options, and government support.
We can provide you with an overview of the options available to you in an environment that is supportive, compassionate and respectful of the wishes of all concerned.
To find out more, please contact us.
Process
Our Advice Process
It takes more than one meeting to make sure you are financially ready for the future. At Liberata Wealth we want you to make the most of your advice, which is why we follow a five-step advice process to help us understand your needs, set your goals and keep your financial plan on track over the long term.
1
Preparation for your appointment
We’ll ask you to provide us with a snapshot of your finances and an idea of your future goals. This allows us to plan ahead so you get the most out of your first meeting. Any details you provide remain completely confidential, and we’ll send you some information about us too.
2
Our first appointment
We want to hear all about you – where you are now, your goals and aspirations, and where you see yourself in the future. We’ll outline some ideas on how we can help you get there, as well as a fee estimate if you choose to proceed.
3
Your plan
Once we have a good understanding of your finances, we’ll create a tailor-made long term strategy to help you get to where you want to be, based on your unique needs and goals. You’ll understand how small, consistent changes can make a big difference to your future. We’ll talk you through the actions required to make it happen and ensure you’re completely comfortable.
4
Implementation
5
Get ongoing help as you go
Things can change in the blink of an eye, so it’s important to have your plan reviewed regularly to help you stay on track to reach your goals. Once your goals have been met, we want you to enjoy everything you’ve worked hard for. We can model an approach that finds the balance between enjoying yourself in the present whilst preparing for the future.