Financial Planning
At Sterling Planners, we have a simple philosophy: “a good plan can make a world of difference”.
To have a good plan, you need to identify your financial goals and have appropriate strategies in place to achieve them. You also need to navigate your way through the complex, constantly changing superannuation and taxation legislation to ensure you’re maximising the opportunities and tax concessions available.
That’s where Sterling Planners can help. We’ll work with you to clarify your financial goals, discuss the level of risk/reward you may need to take, before ultimately providing the appropriate, agreed plan and tailored strategies to help you achieve your goals.
We help clients with:
- Personal life insurances (including Income Protection) and business insurances (including keyman and buy/sell solutions for multi-owned business entities)
- Home loans and debt structuring
- Savings and investments
- Pre-retirement and retirement planning (superannuation options including Self-Managed Superannuation Funds)
- Estate planning (Wills, Testamentary Trusts and Powers of Attorney)
Examples of areas our qualified advisers can assist you with include:
Superannuation strategies
Maximise your superannuation funding by understanding how to utilise contributions caps, transfer balance cap, total superannuation balance cap, salary sacrificing, spouse contributions, downsizer contributions (post 1 July 2018) and transition to retirement options.
Planning for the unexpected
Implement the appropriate protection strategies to provide for you and your family should unexpected health circumstances arise.
Asset allocation
Determine the appropriate structure(s) to own/hold your asset(s) and determine how much of your funds to allocate to each structure to meet your financial goals while adhering to your agreed risk profile.