CBS Financial provide a wide range of services and advice to their clients. We tailor our advice to your goals and the help that you are looking for.
Horsham
(03) 5381 1587
Brendan Bryan
Wendy Ruwoldt-Keel
James Weir
Geelong
03 5223 2933
Ross Ackland
Young professionals
Through your 20’s and 30’s it can be an exciting time in your life and there’s plenty to plan for. You may be starting work, buying your first home, getting married or starting a family. We help our clients at each of these milestone events. Our role is to help you determine your financial or lifestyle goals are and how we can help you get there.
Some of the ways we help our client are:
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Start an investment or a savings plan to work towards a major expenses like your first home or starting a family.
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Protecting your lifestyle against financial hardship in the event of major injury or illness.
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Setting up your first super account or consolidating the ones from your previous part time work
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Providing peace of mind through a budget or cash flow plan that you can afford your first home
Growing the family
If you have little ones running around or they’re on their way, life is very exciting! There’s a lot to consider now and the responsibility as a parent is an important one. Make sure you’re protected, well planned and that the future for you and your children is safe and secure. No matter what your situation, it’s important to ensure your finances are in order and you’re planning for the future.
We help our clients with:
• Putting a cash flow and budget plan in place & initiating a savings mentality
• Help with debt reduction strategies to decrease the burden of the mortgage
• Protecting you and your family in the event of death, disability or major illness.
• Start an investment or a savings plan to work towards a major expenses like a property purchase or children’s school fees.
Preparing for retirement
As retirement nears, and you begin thinking about the retirement lifestyle you would like, your super comes more into focus.
Depending on when you plan to retire - at age 50, 55 or 60 - you may start thinking about super, maximising your investments, balancing risk and return, and looking at your wealth protection needs.
And as you think about winding down from the workforce, we will work with you to reduce the risk your super investments may be exposed to and protect the wealth you've worked hard to build. We will also help you understand what your retirement may look like and how you can afford to achieve your goals
Looking to invest
The options for investment both in Australia and Globally are available and we can help you understand the investments that are best suited to your needs and the level of risk that you are happy with.
Investments may be in your own name or through your super and can include shares, property or cash and term deposits.
We can help you tailor a portfolio for you.
Our investment philosophy aims to:
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Help you understand the investment decisions that you are making
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Feel comfortable with the investments recommended and the level of exposure to growth assets
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Review your investments on an agreed basis as part of the overall strategy
Retirees
You have worked hard all of your life and you deserve to enjoy your retirement. We work with you on how your retirement nest egg can provide you the most in retirement.
We help our clients:
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Make the most of retirement and draw an income from your super in retirement that meets your needs
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Help individuals understand the complexities of Centrelink and ease the stress of the paperwork
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Age Care is a complex area and people often feel lost in the mire of varying information and rules around this area. Ideally the earlier we can start advising the better the end outcome, particularly prior to the sale of property.
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Make sure it's easy for your loved ones to receive what you leave behind by working in conjunction with you and your solicitor to ensure your assets will pass smoothly and tax-effectively to your loved ones.
Farmers & Business Owners
We know what it’s like to run your own business, trying to balance a thousand things at once. It can be massively rewarding but scary at the same time so it’s important to plan out your goals and mitigate any risks that life could throw your way. That’s where we can help.
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Ownership protection to provide funding for Business Succession in the event of the death or disability of a business principal.
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Identify appropriate tax structures & ownership of assets including Self Managed Super Funds (SMSF)
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Asset Protection to provide cover for "Capital Purpose" debt in the event of the death or disability of a Business Principal or key person.