Financial Planning

It starts with simplifying your options

It's understandable to be overwhelmed by the number of possible ways to invest your money. However, it's important to remember that it's the number of available investment products that make it overwhelming and not the strategies that will set you on the path to your specific financial goals.Murray Nankivell will identify the specifics of your situation to cut through the confusion and make it as simple as possible to make the right financial choices.

We explore factors like your purpose for building your wealth, when you need to access money, what you expect your return on investment to be over that time and how you might react to periods of volatility.

Creating tailored solutions for you

As specialists in investment strategies, we can tailor a solution that meets your specific needs and suggest products that will be best suited to your objectives.

As you approach the end of your working life, it is important that you plan for the next chapter, where there will still be bills to pay and a lifestyle to fund.

Retirement is a life-changing, which will impact:

• What you consider to be a 'safe' investment
• Whether or not you will be entitled to any Age Pension benefits
• How you will fund your Aged Care needs in the future, and
• Tax implications of your remaining sources of income.

Reducing financial stress in retirement

We work closely with you in the years approaching your retirement so that this transition has the least financial stress possible for you and your family.

Having a clear plan for when you finish working can go a long way toward a rewarding and happy next stage of life.

With so many superannuation providers and product choices, it can be difficult knowing where to begin. By taking an active interest in your super, and being engaged in the process, you can achieve so much more.

Effective strategies to keep things simple

We make it easy for you to get engaged with your superannuation plan, by keeping it simple with strategies designed around tax-effective outcomes.

Understand superannuation terminology and take control of your financial future

If terms like 'Self Managed Super Fund’, 'Salary Sacrifice', 'Deductible Contribution' and 'Transition to Retirement' make your head spin, it's time to partner with us to build your understanding and take control of your financial future.

Murray Nankivell can work with you to implement appropriate insurance policies and ensure you have the right level of cover.

Life Insurance

Life Insurance pays a lump sum to your family when you pass away. The proceeds can be used to clear debt, pay off the mortgage, pay for children’s education or otherwise secure your family’s financial future. Life insurance can be funded through your superannuation fund, or from your regular salary. This has implications for both cash flow and taxation, so we can help you decide which is right for you.

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Trauma or Recovery Insurance

Trauma or Recovery Insurance pays a lump sum on diagnosis of a serious illness. The illness must be one of the ones specified in your policy and the top conditions covered include cancer, heart attack and stroke. We can remove financial stress so you can concentrate on recovery.

Income Protection or Salary Continuance Insurance

Income Protection or Salary Continuance Insurance pays up to 75% of your salary if you cannot work for a prolonged period, due to accident or illness. We can help you understand and decide on important details such as waiting periods and whether superannuation should be included in claim payments.