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Our Services

Superannuation

Saving for retirement.

SMSF

Self-Managed Super.

Pre & Post Retirement

Financial Advice.

Personal Insurance

In and Out of Super.

Borrowing to Invest

Financial Advice.

Investment & Securities

Financial Advice.

Tax Concessions

For Small Businesses.

Creating Wealth for Children

Financial Advice.

Tax Effective Strategies

Financial Advice.

Superannuation

Both retail and SMSF.

Growing your super during your working years, is meant to set you up for many years of retirement. However, this is not always the case; with complex rules that can change as often as governments do, specialist knowledge is often needed to ensure you are maximising your potential to accumulate your retirement wealth.

You might already know that superannuation is a desirable place to house your money for retirement, given its low tax rate. At Cambridge Private Wealth, we can offer you the expertise to ensure you are taking full advantage of the superannuation contributions limits that are available to you.

The choice is yours! You decide where and how to invest your superannuation money. We are here to provide you guidance, advice and education about the various investments and product options that better meet your objectives; so you can always make informed decisions.

SMSF

Self Managed Super

If you have a larger superannuation balance, and you are looking to have more control over how your money is invested; you might want to consider a Self-Managed Super Fund (SMSF).

Managing your own super fund allows you access to a wider range of types of investments, such as shares, directly held investments and even direct property. You can pool your funds with up to three other family members or friends to strengthen your investment power.

However, whilst self-managed super funds appear like an attractive alternative to investing in traditional super funds, they come with greater responsibility and often more paperwork.

Understanding the rules around SMSFs can be challenging. Anthony Walker, Principal Adviser at Cambridge Private Wealth, is highly qualified and accredited to discuss whether a Self-Managed Super Fund is right for you. We will guide you through the whole process, from establishment, to choosing the right investments and making sure your superannuation fund is appropriately managed to ease the administrative burden for you.

Pre and Post Retirement

Financial Advice.

Retirement can be an exciting prospect; it means you’ll finally be able to have the lifestyle that you have been working most of your life for. However, it can also be a nervous time. You may find yourself asking questions such as, will I have enough money to last my lifetime? Or, how much income will I need to live off? Ensuring that you are on track to meet your desired retirement lifestyle can depend on steps you put in place in the years leading up to retirement.

The advisers at Cambridge Private Wealth can provide you with the guidance and advice to best structure your pre-retirement financial position, to capitalise on the money you worked your whole life to save.

After you retire, you may need advice on how to achieve your financial and lifestyle aspirations. Whether it be further investments, accessing different types of income streams, or qualifying for social security payments. We are able to stand by you through your retirement, to ensure your money is in the best possible investment to meet your needs.

Personal Insurance

In and Out of Super

Ensuring you and your family are financially secure is of paramount importance. Protecting your family’s wealth is just as crucial as building it.

Having certainty to confidently answer these questions is crucial: would my family be able to cover the costs of living if I wasn’t earning an income? Or, if I suffered a traumatic illness or accident, would I be able to afford the costs of medical care or fund my children’s education costs?

At Cambridge Private Wealth, we can help you estimate what your financial needs would be to prepare for the unimaginable; in the event of death, permanent disablement, traumatic illness or injury, or if you are unable to work for a period of time due to ill health. We can offer solutions to ensure you are fully insured… just in case.

If you run your own business, we can help you ensure that you and your business are protected if you are unable to work because of illness or injury.

Borrowing to Invest

Financial Advice.

Occasionally, in times of prosperous market conditions, some investors choose to accelerate their wealth potential. A way to do this, can be to borrow money from the bank to invest these funds, together with personal funds, into the share market with the hope of a higher investment return by having more money “in the game”.

This approach to investing is called gearing, and is not for the faint hearted. In difficult times on the share market, a ‘geared’ investment portfolio will often experience lower lows.

Our financial advisers have the expertise to provide you, with all the information you would need to determine whether this type of investment approach is suitable for you.

Investment & Securities

Financial Advice.

At the core of all superannuation, retirement and managed funds are financial securities. It is crucial that your financial adviser has an expert knowledge in the areas of direct shares, managed funds as well as some other less common, but very effective types of securities, such as listed investment companies (LICs), exchange traded funds (ETFs) and hedge funds.

Finding the right mix of these types of investments, is an important step when building a financial plan for you. At Cambridge Private Wealth, your financial adviser will spend the time to assess your preferences to certain types of investments, including cash accounts, term deposits in addition to shares, funds, and securities.

This will ensure that your money is invested in the right place for you, and that you receive relevant and timely advice on how your portfolio is performing against current market conditions.

We take a proactive and forward looking approach to choosing and managing your investments, to provide you with greater financial advice value; as opposed to those who believe in the ‘set and forget’ approach.

Tax Concessions

For Small Businesses.

Small business owners work hard to do what they love. There is no 9 to 5, no paid leave, no government super contributions. It takes blood, sweat and tears to build your business to achieve success. And success sometimes needs a little bit of help to manage the amount of tax you pay. And after years of building your business, you want to know that when it comes time to sell your business, or retire, you are in a position to achieve the best possible lifestyle.

Cambridge Private Wealth advisers are able to guide you through the different options available to you, to take advantage of the Small Business Tax Concessions. We also closely partner with your accountant, to ensure that the advice we provide complements the advice they provide you.

Creating Wealth for Children

Financial Advice.

Investing in our future often includes investing in our children’s future. Whether you want to fund their education costs, or put money aside to help them purchase their first home, it is critical to consider what sort of plans can be laid now, to make their future easier.

Now days, it seems as though the world will be tough for our children, so why not plan now to find tax effective ways to giving them a helping hand. You never know, your children may one day be caring for you.

Tax Effective Strategies

Financial Advice.

They say that two things are inevitable: death and taxes.

Just like living a healthy lifestyle can delay death, structuring your financial situation appropriately, can help your money work more effectively for you.

When considering this, it is important to recognise that many aspects of your financial situation can affect the amount of tax you pay. Solutions such as salary sacrificing, making super contributions or starting a transition to retirement pension can help to optimise the amount of tax you pay. We will offer to work with your accountant so our advice fits with your overall tax position.

Our advisers, are highly qualified in identifying opportunities to save you tax now and into the future.

For a complimentary initial discussion about your investments and financial aspirations, call us on 0481 554 415, or email us at info@cambridgeprivate.com.au.