Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.

The purpose of investing is to improve our future circumstances or future lifestyle.

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.

Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.

Your broker works for you – not for the insurance company.

Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

Estate planning can have a lasting impact on your family – though not as much as not doing it.

You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.

Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.

There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.

A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.

Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.

Tax Services

We believe that completing the Income Tax Return is relatively straightforward matter for most people. For those individuals who want complete their Income Tax forms on their own, we are happy to assist.

Therefore, we will continue to provide the Personal Income Tax spreadsheet, as we have done since the 2006 Income Year, for free distribution. See the download area on this page.

DO I NEED TAX SERVICES?

Through our experience in providing this spreadsheet, we have recognised that a number of persons need specific assistance in a number of areas, including:

Minimising the taxes deducted from their income, so that more money is available on a monthly basis
Taking advantage of the opportunities available to reduce their overall tax liability
Managing tax liability for married persons.

TAX SERVICES OFFERED

Though our Tax Services, we are offering the following:

Personal Tax Consultation, intended to help you to optimise your tax planning;
Assistance with completion of your tax return and with filing;
Support with selecting and placing registered retirement plans, registered retirement savings plans, mutual funds, property insurance and with preparing covenants;
Tax Seminars for organisations and institutions for their members, staff and/or customers.

DID YOU KNOW?

Borrowing to invest may be a great strategy for reducing your tax liability.

You should however do this cautiously. We can help you to:

develop the strategy that is appropriate to your circumstances
negotiate the loan required to fund the investment.

Tax Services

DO I NEED TAX SERVICES?

TAX SERVICES OFFERED

DID YOU KNOW?

DOWNLOADS

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