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Retirement 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...
Savings

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...
Superannuation & SMSF Advice

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...
Tax Effective Strategies

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...
Borrowing to Buy Property with your Super

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...
Investment Management

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...