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Without planning a goal is just a dream. Talking with a Krause Wealth adviser is the first step in turning those dreams to reality. We understand the value of great advice. We will work you one on one to understand what your goals, objectives and financial needs are for you and your family.
After comprehensively reviewing your financial situation we will put together a strategy that is designed to help you achieve those goals. No matter your age or financial position Krause Wealth can provide the correct advice tailored to meet your needs.
We will then work with you on an ongoing basis to ensure your financial position continues to head in the right direction. We pride ourselves on being able to provide the best possible customer experience that gives our clients the comfort to continually return.
Budgeting and debt reduction
Maintaining a budget is the first rule to planning your finances. Krause Wealth can assist with not only ensuring you are sticking to living within your means but progressively pushing forward with your finances as well.
Whether you’re budgeting to save for your first home or trying to pay off credit card debt, we can analyse your income and living needs and put you on the right path to getting there.
Krause wealth will also assist with larger debt reduction with your home loan to ensure your most valuable asset is paid off as quickly as possible and your mortgage repayments are as low as possible.
As interest rates drop and continue to become more competitive it is even more important to be on top of what your mortgage and loans offer. Krause Wealth can review your loans to ensure they are structured in the most cost affordable and tax effective ways. Although it is important to have a low interest rate it is just as important to be structured in a manner that will allow you to have the debt paid off as soon as possible. We know the ins and outs of each loan product to ensure you make the right choice for your new home loan. Contact us for complimentary Home Loan review now!
Superannuation & Retirement planning
No matter your age, it is time to start thinking about your retirement. It is important to set goals and consider how much assets you will require throughout your retirement. There are multiple retirement strategies that can assist with this. You may need to start putting more money into your superannuation accounts or reviewing your superannuation to ensure your fund is suitable. Krause Wealth will work with you to determine which strategy is going to be the most effective for you. As life expectancy increases the reliance on assets and superannuation has grown. The government will continue to reduce the age pension making it even more important to get your affairs in order.
Krause Wealth also specialises in Self-Managed Super Fund’s which may be an effective strategy for your retirement planning. Planning before your retirement will make a huge difference to your retirement income, making it last longer and give you peace of mind.
Self-Managed Super Fund (SMSF) Advice
SMSF’s over the years has vastly grown to be one of Australia’s favourite retirement vehicles. They offer you the ability to take advantage of your superannuation funds and gain control, flexibility and tax effectiveness over how it is invested. Whether you wish to use it as a vehicle to put your superannuation into property or more effectively invest into the market an SMSF strategy may be right for you.
There are increased obligations and responsibilities when running an SMSF so it is essential to talk to a financial adviser to see if it is right for you. Contact us now to find out.
No matter where you are in life, whether you have just landed your first job, thinking about starting a family, looking to start investing or working towards retirement your life can change in a heartbeat. The backbone of any financial advice is being able to protect your family and business in the event something like this was to occur.
Krause Wealth works closely with you to ensure your specific insurance requirements are met and you are comfortable with the levels of cover and what each product offers. We will ensure that your premiums are structured in a way that will be the most tax effective but also as light as possible on your wallet. Working along side you through every step we will ensure the insurances are in force, all unneeded policies are cancelled and continue to review it on an ongoing basis for you and your family.
Krause Wealth offer a range of personal insurances to meet your needs. We will work with you to select the right product to suit you, these may include.
- Life Insurance
- Total Permanent Disablement Insurance (TPD)
- Income Protection Insurance
- Trauma Insurance
Whether it be for retirement planning, investing an inheritance or purchasing your first investment property Krause Wealth can put together the right plan so your investing experience isn’t a nightmare. With experience investing in all asset classes we can distinguish which asset class is the most suitable for you.
We will analyse your age, tolerance to risk and investment goals so we can ensure that your investment will put you on the right path to achieving your goals. Every investment operates in different cycles and offers risk characteristics, we keep informed and educated on all market conditions so you are too. We provide the correct advice to ensure your investments are structured in the most cost and tax effective ways. We offer advice on a wide range of investments to suit everyone’s needs:
- Term deposits
- Managed Funds
Contact Krause Wealth to find out what investment suits you!
Krause Wealth Pty Ltd, ABN 97 611 256 592 is an authorised representative and credit representative of Charter Financial Planning Ltd, Australian Financial Services Licensee and Australian Credit Licensee, AFSL 234665