FINANCIAL SERVICES for you and your money

How Familia Wealth can help you achieve your financial goals

If you are looking for a financial planner that thinks outside of the box, whose breadth and depth of experience and expertise provides creative financial solutions for you and your family's, look no further than Familia Wealth.

We can provide you with a comprehensive range of services tailored to your needs, goals and objectives.

Some of the services we provide include:

Cashflow management:

We help you create a realistic budget that allows you to save, invest, and spend wisely. We also help you manage your debt and improve your cash flow.

Retirement planning:

We help you plan for a comfortable and fulfilling retirement that meets your lifestyle and income needs. We also help you maximise your superannuation and access government benefits.

Estate planning:

We help you protect your assets and ensure they are distributed according to your wishes. We also help you minimise tax and avoid legal disputes.

Investment strategies:

We help you build a diversified portfolio that matches your risk profile and return objectives. We also help you monitor and review your investments regularly and make adjustments as needed.

Tax optimization:

We help you reduce your tax liability and take advantage of tax concessions and incentives. We also help you comply with tax laws and regulations.

Risk management:

We help you identify and manage the risks that may affect your financial well-being. We also help you choose the right insurance products that suit your needs and budget.

Family governance:

We help you establish and maintain a harmonious family relationship that supports your financial goals. We also help you communicate effectively and resolve conflicts constructively.

Philanthropy:

We help you make a positive difference in the world by supporting the causes that matter to you. We also help you choose the best ways to give, such as donations, bequests, or trusts.

In addition, we have specialised knowledge and experience in dealing with complex financial issues, such as:

Australian Government defined benefit schemes:

These are superannuation schemes designed for eligible Australian government employees. They provide both accumulation and defined benefits, depending on the scheme123456. We can help you understand how these schemes work, what benefits they offer, and how they affect your retirement planning.

Self Managed Superannuation Fund (SMSF):

This is a type of superannuation fund that allows you to have more control over your investments. You can choose what assets to invest in, how to manage them, and who to appoint as trustees. However, SMSFs also come with more responsibilities, risks, and costs. We can help you decide whether an SMSF is right for you, set up and run your SMSF, comply with the rules and regulations, and maximise your tax benefits.

Warrants:

These are financial instruments that give you the right, but not the obligation, to buy or sell an underlying asset at a specified price within a specified period. Warrants can be used to enhance your returns, hedge your risks, or gain exposure to different markets. However, warrants also involve high leverage, volatility, and complexity. We can help you understand how warrants work, what types are available, how to trade them, and what risks they entail.

Margin Lending:

This is a type of borrowing that allows you to use your existing investments as collateral to buy more investments. Margin lending can amplify your returns, diversify your portfolio, or access capital for other purposes. However, margin lending also increases your risks, costs, and obligations. We can help you assess whether margin lending is suitable for you, choose a margin lender, manage your loan account, and monitor your margin calls.

Negative gearing:

This is a strategy that involves borrowing money to invest in an asset that generates less income than the interest expenses. Negative gearing can reduce your taxable income, increase your capital gains potential, or offset losses from other investments. However, negative gearing also requires sufficient cash flow, long-term commitment, and careful planning. We can help you evaluate whether negative gearing is appropriate for you, select an asset to invest in, structure your loan effectively, and maximise your tax deductions.