Our Services

Prior to investing, there are a number of important facts to consider. Firstly, which vehicle should you invest in e.g. joint names, individual, trusts or in a company entity. Secondly, determine your investment risk tolerance. This helps us build investment strategies and portfolios that are tailored to your goals and objectives. Thirdly, determine whether to invest in shares, property, bonds or a combination of all. Finally, we determine the most cost-effective platform to administer your investments for easy of tax reporting and online access for our clients.

Other considerations to note would be whether it is appropriate, or necessary, to borrow in order to invest via equity in your home or via margin lending. Are current interest rates suitably priced for gearing to be effective? Do we need to take on the additional risk to meet your financial goals and objectives?

Our investment specialists are on-hand to discuss these considerations with you in further detail, in order to make suitable recommendations and provide advice.

The superannuation system is the cornerstone of any retirement plan due to its very generous tax concessional both in the accumulation and retirement phase. Although many see superannuation as complex and restrictive, our advisors educate clients about the real benefits of using superannuation as part of their overall retirement strategy. Yes, the government constantly make changes to the superannuation system, however, we focus on the positives which certainly outweigh the negatives.

There are several approaches to building your superannuation balances through contributions made by your employer, salary sacrificing, or making personal contributions to name a few. Make note that caution needs to be taken as limits apply. Therefore, seeking professional advice is paramount prior to altering your superannuation fund.

Other areas to consider include ensuring your investment strategy is appropriate for your tolerance of risk, your insurances are structured in the most cost-effective and tax-effective manner, and you’ve nominated beneficiaries to ensure the right people receive your benefits when they need it most.

Looking to review or alter your superannuation fund? Contact one of our superannuation specialist for an obligation free appointment.

We often advise clients that both wealth protection and insurance plans are the foundations of retirement planning. Not having an insurance plan is like building your home without a slab. Your plan will always be vulnerable or exposed to an unexpected event. For this reason, we start with a client’s wealth protection or insurances when providing retirement planning advice. The main objection from clients taking out insurance costs. It’s a valid objection, however, when you think about it more carefully, costs shouldn’t enter the equation. If we can demonstrate how we are going to meet your financial goals and objectives, does it really matter what it costs us to get there? Or is it more important to have sufficient money in retirement no matter what curve balls are thrown at you? Worth thinking about!

Wealth protection or insurance advice generally covers off life insurance, total permanent disability insurance, trauma cover and income protection insurance. All play their part in ensuring your family remains financially secure in the event of death, disability, sickness or accident.

Insurance is a complex area of advice. It is crucial to seek and consider professional advice. At Altitude Wealth Management, we are aligned with all the market leading insurers to ensure you have the right level of cover, at the right price and structure in the most tax-effective manner.

Looking to protect yourself and your loved ones against life’s curveballs with flexible insurance solutions? Contact us today and to speak with one of our friendly insurance specialists.

Planning for the distribution of your estate is a complex but necessary component of your overall financial wellbeing. Effective estate planning is all about getting the money to the right person at the right time.

Although our current services within this space do not provide either legal or estate planning services and advice, Altitude Wealth Management are aligned and work with legal professionals in this space, collaboratively working together in order to provide tailored advice to you and your family.

In the event of your untimely death, we strive to ensure a seamless and simplistic approach is taken in the management of an estate. Estate planning is not solely based on just having a will, it also provides clarity and vision when assets are passed to the right people. Asset protection and tax effectiveness are key considerations.

Seeking estate planning advice? Speak to one of our friendly and experience advisors to discover how well-structured estate planning can help you distribute your assets the way you intend.