Creating A Financially Secure Future

The team at Ethica Private Wealth Specialists on the Sunshine Coast are here to show you how you could make that dream a reality by employing relevant strategies to suit your current situation and direct you towards your goals.

Just as everyone’s financial situation differs from the next, so too do the financial strategies on offer.

Over the following pages we have prepared a snapshot of information and tips designed to help you get ahead, based on where you are in life right now.

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Want to learn more?Select your age group from the options below and browse the topics you’re most interested in.

18 TO 35 YEAR OLDS

Understand Your Options and Get a Head Start on Life

it's never to early to start

35 TO 55 YEAR OLDS

Balancing Priorities while Securing Your Financial Future

find out how

55 PLUS

Understanding Asset Protection and Lifestyle Planning

how to enjoy your retirement

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Investment Strategies

Investing can be an incredible way to build wealth but there are no guarantees and plenty of risks.

That’s why we recommend you get the right advice for your situation and goals before parting with your money.

Gearing/Borrowing to invest

If you’re keen on investing but don’t have any cash readily available, there are methods we can employ to get you investing sooner by using borrowed funds, known as gearing. This can help you gain more wealth but also exposes you to the risk of losing more. Talk to a professional before you embark on a gearing strategy.

Retirement Planning

Will your money last as long as you do? It depends on how long you expect to live and how much you’re going to spend!

Before you retire and give up the regular income you get from your job, you may need to think about the lifestyle you expect to have and how it can be funded.

Wealth Creation

There are many considerations in accumulating wealth and achieving financial security. The approach that is right for you will depend a lot on your financial situation, goals, personality, age. Ethica can review your complete financial situation and guide you on how to tick all the boxes to build greater wealth.

Superannuation

Super is a very tax efficient way of saving for your retirement but it can be a complex area with many options now available. Do you need an industry fund? What about a retail fund? A self managed fund? We can review your situation and provide advice for the most suitable super options available.

Self-Managed Super Funds (SMSF)

The team at Ethica Private Wealth Specialists in Maroochydore on the Sunshine Coast can work with you to assess if a self managed super fund is the most appropriate option for you and ensure that you are aware of both the pluses and minuses before committing.

Life Insurance

Insurance – do you need it, how much, and where from? So many questions!

Find out how to protect your home, your family and your income from the uncertainties that life can bring.

Lending & Finance

If you’ve ever tried to organise a mortgage or arrange finance, you’ll know that it can be a difficult and time-consuming job. But there are ways to make it a whole lot easier, including partnering with a professional finance broker.

Estate Planning

Estate planning is more than just preparing a Will. Our team at Ethica can provide customised advice to ensure that, in the event of your death, the most financially viable & tax-effective methods are used to distribute your assets.

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