For expert advice call us on: (03) 5618 3122

Services

Services

Here at Grand Ridge Financial we offer four overarching levels of service, which branch out into a multitude of smaller, more specific services for each. Our four main services are listed below.

Financial Planning

Retirement Planning

How will you support yourself when you stop working? Do you plan to retire before you’re eligible for the Age Pension? How much money will you need to live on? Will you still have debt you need to manage after you stop earning your regular income? Do you want to...

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Savings

Old fashioned savings will always be in vogue. At Grand Ridge Financial we can help you decide where best to put some cash away for that rainy day, or perhaps even that sunny day ……on a yacht ……in the Mediterranean.Saving for a specific...

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Superannuation & SMSF Advice

Superannuation is the user-pays philosophy of funding your own retirement. Unfortunately, and despite the government’s best efforts, it is very complex and requires a deep understanding to maximise its potential. If utilised fully, superannuation can form...

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Tax Effective Strategies

Would you like to be more tax effective with your income?  Would you like to have enough money to live on and save for retirement at the same time? You may be able to do this with the use of tax effective strategies. Salary sacrifice, the use of Transition to...

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Borrowing to Buy Property with your Super

Borrowing to buy property with your super is a popular strategy, particularly amongst 35-45 year olds.  Under revised super legislation you can now:- Use existing super monies to borrow and buy an investment property (commercial or residential).- Pay it off with...

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Investment Management

With thousands of investment options how do you make the leap from just saving to investing? Firstly, we need to find out what type of investor you are. We look at your circumstances then take into account your attitude to investing. We endeavour to understand the...

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Risk & Insurance

Business Insurance

There are several types of insurances relevant to businesses and as this is such a critical area where you should seek professional advice to ensure you have the right mix for your business. One such cover is Key Person Insurance: Key Person Insurance Like your...

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Life Insurance

Even though it’s your life that you’re insuring it’s not you who will receive any benefit. If you die it’s your financial dependants that could be left with insurmountable expenses. There may be a mortgage on the house they’re living in, a loan on an investment...

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Trauma Insurance

If you were involved in a bad accident or diagnosed with a serious illness (that there is a chance you may recover from) then trauma insurance can provide you with a lump sum payment. Most insurers define the types of trauma they cover but most cover major illnesses...

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Income Protection

Insurance is about managing risk. Your ability to earn an income is your greatest asset for most people. Just think about what you will earn over the next 10, 15 or 20 years, how does that compare to any assets you own? Your income is what the lending institutions...

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Total and Permanent Disability Insurance (TPD)

Total and Permanent Disability (TPD) is insurance against you becoming totally and permanently disabled as a result of an incident or illness. A payout can cover the costs of your mortgage repayments, education fees and provide an income stream for a certain period of...

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Self-Managed Super

SMSF Administration

Self-managed superannuation funds (SMSFs) popularity has grown steadily in the last decade. The ability to take control of your own superannuation has been the catalyst for this huge growth.  Understanding the regulated environment in which SMSFs operate can be a...

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Aged Care

Aged Care Advisory Service

As we age, our living arrangements may need to change and sometimes quickly. Planning for aged care for yourself or a loved one can be a very stressful time. There are a myriad of options for assisted living in the home as well as residential care. The rules are...

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