Blossom Financial Planning offers expert advice and financial products covering the gamut of financial requirements. We’re ready to assist you with all your insurance, investment planning, retirement planning and superannuation needs.

Insurance

Imagine what your family’s life would be like if you or your partner died or became seriously ill and couldn’t work. Would you be able to survive financially?

Insurance is an essential part of any comprehensive financial plan, giving you financial protection against a range of risks. There are different types of cover that fall under the broad heading of life insurance – Life, Total and Permanent Disability (TPD), Trauma and Income Protection insurance. Depending on your circumstances, you may need one or more of these.

It is also a good idea to review your life insurance regularly, especially if something has changed in your life – for example, if you’ve taken out a home loan, are having kids or starting a business.

Blossom Financial Planning will help tailor insurance to your real needs, taking your entire financial situation into consideration.

Investment Strategy

Smart investing is about considering your financial and lifestyle goals. It’s about developing a plan and selecting a mix of investments that will help you reach these goals. It’s about identifying your appetite for risk and understanding the link between risk and return.

At Blossom Financial Planning, we know that everyone is different, with a different understanding of the market, different objectives and different timeframes. That’s why our investment strategies are designed for your own circumstances. We look at your financial situation as a whole before preparing a comprehensive strategy and investments selection.

Informed investment choices, tailored strategies and good monitoring – these are the keys to smart investing.

Retirement Planning

Blossom Financial Planning assists in developing short, medium and long-term retirement strategies that maximise wealth and income, and minimise tax, regardless of how close you are to retirement. This is usually at the heart of every person’s investment strategy.

Saving is the way to meet future expenses, and the biggest future expense for most of us will be our own income in retirement. We assist you in preparing for retirement by showing you how to save as much as possible, using the best planning, investments and tax effective strategies. We also help you understand and choose the sources of income in retirement, such as superannuation pensions and annuities, lump sums, employer packages, and government pensions and allowances.

 

Superannuation

Blossom Financial Planning assists with all aspects if superannuation including self-managed superannuation funds.

Superannuation is a way to save for your retirement. The money comes from contributions made into your super fund by your employer, your business and, ideally, by your own money. Sometimes the government will add to it through co-contributions and the low-income super contribution.

Over the course of your working life, these contributions from your employer add up, or ‘accumulate’. Your super money is also invested by your super fund, so it grows over time. When you retire, you will have money to live off – a nest egg. Super is a lifetime investment that has many benefits, including being a tax effective environment.

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Self-Managed Superannuation Funds (SMSFs)

An SMSF is a legal tax structure with the sole purpose of providing for your retirement. SMSFs are regulated by the Australian Taxation Office (ATO). Money or assets are held and managed on behalf of up to four members. Each member is a trustee (or director if there is a corporate trustee).

SMSFs allow you to control how your funds are invested. Greater choice of investments and the ability to diversify your risk mean you can have a greater impact on your own future wealth.

At Blossom Financial Planning, we can help you set up your SMSF and can also assist with the ongoing requirements of running such a structure, including preparing investment strategy, researching the right investments, budgeting for ongoing expenses, asset reporting, and more.

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