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About Us
Products and Services
FAQs
Our success is measured by your success. Our purpose is to help everyday Australians express their goals and put in place plans to achieve them. Our belief is that financial planning, through clarity, insight, and partnership, can truly change your life.
The aim of financial planning is more than just managing your savings and investments. It’s about helping you plan for a future lifestyle that is as good as it can possibly be. You work hard so why not make sure your money is working as hard as you are. Whether you are in your carefree 20s, consolidating 30s, comfortable 40s or cruising 50s, the advice of a professional financial planner can be critical in helping you achieve your financial goals by developing a strategy that will work for you.
People who are serious about using their financial resources to achieve their goals. People who would like professional help in making intelligent financial decisions, then taking the appropriate action and who are capable of working in partnership with an advisor toward the pursuit of their financial goals. People who will communicate honestly about their feelings and their situation to meet their life goals.
Aged Care, Benefit Plans, Budgeting, Cashflow Management, Education Programs, Life Planning, Pensions, Retirement Planning, Wealth Creation
Retirement
Retirement Planning and Superannuation, Tax Planning, Estate Planning Investment Planning and Strategy, Cash Flow Management, Creating and Growing Wealth, Risk Management and Personal Insurance
Your first meeting can take up to two hours. In this time we address your goals and objectives, current financial position and personal situation. It is an opportunity for us to get to know each other, and we assess if we are the right fit for each other. If you have your financial documents or copies of them, this will speed up the process. This investment of time ensures we understand you and what you are looking for.
During your first appointment, we will establish why you are seeking financial advice, what your goals are and what you expect from us. To assist us, we ask that you to have ready as many documents as you can, such as photo ID, tax returns, superannuation, loan and bank statements, copies of wills, insurance details, and/or a budget.
Your initial appointment with Make Work Optional is provided complimentary to you. If you decide to proceed after receiving the client agreement, we will issue an invoice for you for the preparation of an Initial Statement of Advice. Ongoing annual adviser costs differ from person to person, depending on the complexity of your situation and the amount of work involved.
After your initial appointment (Discovery Meeting) we will correlate your details and consider your personal situation and have a second meeting to confirm our understanding and provide to you a client agreement which outlines the services we will be providing and our fees. You should take the time to read and consider your client agreement before signing and returning it to us.
We do not offer accounting services. We are happy to work with your existing accountant or we can provide a referral to an accountant if you do not have one. Similarly we are not solicitors and do not do legal work. We will happily work with your existing solicitor or refer you to one if you don’t already have one.
Yes. We offer comprehensive advice and can certainly cover advice on SMSFs. Make Work Optional assist clients to set-up or close down SMSFs where appropriate, as well as their ongoing management. We also offer advice on retail superannuation funds, industry super funds and small APRA funds as well.
There are restrictions on when you can access your super for a lump sum withdrawal or start a retirement income stream. Generally, you can access your superannuation in full once you have: Reached your preservation age and retired from the workforce, Termination of employment after turning 60 years of age, Reached 65 years of age.
The Age Pension was put in place to support older Australians who are in need of income support and other concessions during their retirement years. Benefits are offered to Australian residents who are age 65-67 (depending on their Date of Birth) or over and meet the income and asset test requirements. The age pension system provides a wide range of support for older residents during retirement.
Our investment consultation component involves providing information about the types of investment vehicles available, advice on investments, investment analysis and strategies, asset selection and portfolio design, as well as assisting you with your investment account if it is maintained at another broker/dealer or custodian.
We deduct the fees directly from your account on a monthly basis. We bill in arrears, which means that we only bill you for services at the end of the month.
