OUR SERVICES
RETIREMENT PLANNING ADVICE
Goals and dreams for retirement vary from person to person. But, whether you want to take an annual Mediterranean cruise, or relax with your grandchildren in your beachside home, it’s unlikely that you’ll want to be worried about your finances. By starting to plan for your retirement sooner rather than later and asking the team at TLH Probity for retirement advice, you can ensure that you get to live the retirement lifestyle you’ve always dreamed of and deserve.
Maximising your superannuation is extremely important as it is generally one of the largest assets people have, providing a lot of people with the money needed for retirement. However, superannuation can be very complex and seeking professional advice can help you to understand and maximise your superannuation. By looking at each individual’s unique life situation – including how long you have until retirement, your current finances, and your attitude toward risk-taking, we can help you get the most out of your superannuation.
Services include:
Superannuation
Self-Managed Superannuation Funds (SMSF)
Rollovers & Redundancies
Centrelink and Aged Care Financial Advice
INVESTMENT ADVICE
Choosing what to invest in to grow your wealth can be difficult—there are so many options available, many of which may not be right for you. We can help you make smart, educated decisions on effective financial investments.
Investing can be a very personal decision, and everyone’s risk tolerance will differ depending on your financial position and general disposition. We take the time to understand what you want out of your investment portfolio and make it a reality.
Services include:
Portfolio Construction & Review
Wealth Creation & Management
Direct Shares
Gearing Strategies
Managed Funds and ETFs
DEBT MANAGEMENT ADVICE
Managing Debt is a key component in planning for a healthy financial future. A person overwhelmed with debt is like a person bleeding from an open wound - the first step is to stop the bleeding. TLH Probity Advisers can map out your cash flow and identify existing and potential problem areas and devise plans to avoid and overcome these issues.
Services include:
Debt consolidation
Maximising deductible debt
Budgeting
Loan and Credit referrals
WEALTH PROTECTION ADVICE
Life can be unpredictable and, as you start accumulating more assets, the more you have to lose in case of a disaster. Having insurance on those assets can protect you and your finances and minimise the inherent risk. We can help you choose the insurance that most makes sense for you and your specific circumstances. That way, you can be prepared for anything that life might throw at you.
Services include:
Life insurance
income Protection insurance
Total & Permanent Disability (TPD) insurance
Trauma Insurance
Business Insurance Protection
Insurance within Superannuation
TAX PLANNING ADVICE
If you’re wanting to decrease the amount of tax you pay and increase your wealth, talking to us could be the answer. There are a multitude of factors that affect tax planning. This means it is essential to seek professional, expert advice so you can reduce the amount of tax you pay and ultimately increase your cash flow.
Services include:
Tax-effective strategies
ESTATE PLANNING ADVICE
As difficult as it may be to consider, estate planning is essential in preparing for what will happen to your assets and wealth should something happen to you. By seeking estate planning advice now, you can ensure that your assets and wealth are transferred to your intended beneficiaries. Given that 45% of Australians do not have a valid will—which means it is unlikely that their final wishes will be carried out in full.
Services include:
Beneficiary Nominations
Wills - Briefing/Referral Service
