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Investing

Investing is an essential part of helping you create wealth.  Over the long term, investments can generate great rewards – and the earlier you start, the better.

Investing starts with ensuring you have surplus cash flow from your daily living expenses to invest.  It doesn’t need to be much, but if you focus on developing (and sticking to!) your household budget, you can soon find savings that can be invested to help build your future wealth.

This is a complex area and one that we strongly encourage you to ensure you get the right advice.

Thompson Financial Services is licensed to provide advice through Infocus of which is majority owned by its management team. Infocus is not aligned to any of the Big 4 Banks and as such you can be sure that we will be recommending investments that suit your financial needs and objectives – not those of the Big Banks.

Wealth Creation

If you have ever planned a long trip, you will appreciate the importance of a good map.  Of course, the purpose of a map is to help you find your way to where you are going.  It isn’t much use if you don’t know your destination!

Like a map, your financial plan is designed to provide the best route to your targeted financial destination (your financial goals).

Your goals could include anything from paying off your mortgage to paying for your children’s education.  Importantly, these goals should be specific and have a time frame for when you’d like to achieve them.  Your goals should also be prioritised, so you can focus on what’s most important to you.

Imagine how you will feel when you achieve these goals! 

We will help you define your financial goals and put you on a path to help you achieving them.

Superannuation

What could be more important than a comfortable retirement, enjoying the benefits of your hard-earned labour over the years?

Taking an active interest in your superannuation early is critical to ensuring you can achieve this goal. How much you need to enjoy a comfortable lifestyle in retirement will depend on factors such as your life expectancy, your accumulated assets and your expectations.  Chances are your employer contributions are not going to be enough and you may need to look at making additional contributions.

The good news is that if you start early, even minimal personal contributions will make a significant difference to your retirement income.  Personal contributions to your superannuation can be made from your pre-tax salary (salary sacrifice) or from your post-tax salary.  Note different taxation rules apply to each method of contribution.  Depending on your financial situation, one may be better for you.

Having the right superannuation strategy in place today is absolutely essential to aid  a comfortable retirement.

We have significant expertise in superannuation strategies that will help you achieve your financial goals.

Self Managed Super Fund

A SMSF is a suitable solution for the DIY investor wanting to make their own choices for their investment – rather than leaving their super to be invested by others. The great benefit of SMSFs is that they allow you to invest directly in your own chosen combination of investments: for example, shares, property, fixed interest investments, managed funds and cash.  In certain circumstances, you may also include business real property (commercial property).

Importantly, SMSF’s aren’t for everyone!  

When considering whether an SMSF is right for you, you will need to take into account a number of factors, including the cost of the fund and the legal and compliance obligations required.  Key things that must be considered also include the structure of the Fund, the number of members, the Trustees, the need for an Investment Strategy (and the need to stick to it), annual audit and taxation requirements: the list goes on!

This is where we come in, helping you to determine whether an SMSF will suit your particular needs and circumstances.

Click on ‘Enquire now’ to book a meeting regarding any of the above investment options.