Our comprehensive "Advice & Service areas"
At The Refocus Financial & Lifestyle Management we provide a "One Stop Shop" of financial services. Our extensive knowledge and experience enables us to provide specialised advice and services in all the major planning areas. We facilitate and co-ordinate the various issues on YOUR behalf that relate to some or all of the services detailed below and can tailor our advice and services specifically to your needs;
Financial Independence Planning & Management.
- Costing of current & future desired lifestyle -
- Financial Independence Goal management (Accumulation Phase) -
- Financial Draw down management (Pension Phase) -
- Ongoing Monitoring and benchmarking -
Income Tax Planning & Cash flow Advice & Management.
- Income & Expenditure determination -
- Budgeting -
- Specific Income Tax and CGT planning Advice -
- Salary packaging Advice -
- Investment Income -
- Business Income -
- Expenditure Budgets -
- Profit & Loss Advice -
- Cash flow Control -
- Debtor & Creditor management -
- Bill payment strategies -
Salary Packaging Advice & Management.
- State Government (QLD Health, Education, etc) -
- Superannuation -
- Fringe Benefit Cap -
- Novated Leasing -
- Laptop Purchases -
- Rental Property expenses -
Superannuation & Retirement planning.
- Personal Superannuation -
- Employer/Corporate Superannuation -
- Self Managed Superannuation Funds -
- Allocated Pensions -
- Complying Pensions -
- Transition to Retirement Strategies -
- Non Commutable Pension Strategies -
Investment & Portfolio Advice and Management.
- Investment Strategy determination Advice -
- Cash Accounts & Cash Management Trusts -
- Fixed Interest Investments -
- Shares -
- Property - Trusts
- Negative gearing strategies -
- Managed Funds -
- Direct Investments -
- Gifting Strategies -
- Asset Allocation and Risk Management Advice -
Centrelink & Pension Planning.
- Age Pension advice -
- Disability Support Pension advice -
- Job Search Allowance -
- Youth Allowance -
- Family benefits -
- Health Care Cards -
- Asset & Income Reviews -
- Gifting Strategies -
- Benefit Applications -
Redundancy Planning & Advice.
- Pre Redundancy planning and advice -
- Redundancy strategies -
- Employer/Employee mediation -
- Post redundancy advice -
- Referral services -
Debt Management/Mortgage Reduction, Banking and Finance Planning & Management.
- Mortgage Reduction Management Programs -
- Tax effective Loan Structure advice & Management -
- Early mortgage repayment advice and strategies-
- Debt recycling strategies -
- Negative Gearing strategies -
The following Finance and Loan services are provided via Refocus Financial Services:
- Leasing advice -
- Debt refinancing strategies -
- Residential home loans -
- Residential Investment loans -
- Commercial/Business loans -
- Finance Applications -
Risk Management & Insurance planning.
- Death & Disability Insurance -
- Trauma Insurance -
- Sickness & Accident (Income Protection) Insurance -
- Tax effective insurance ownership advice -
- Insurance within Superannuation advice - Binding nomination issues, RBL issues.
- Key Man and Buy/Sell Insurance advice -
Asset Protection Planning.
- Asset ownership structures -
- Business Wills -
- Buy/Sell Agreements -
- Business Partnership protection strategies -
- Transfer of asset ownership strategies -
- Directorship guarantee protection strategies -
Estate Planning.
- Estate Succession Planning - Ensuring your estate assets are distributed to the most appropriate people, at the right time and in the most tax effective manner.
- Will structuring advice - Facilitation in providing
- Enduring Powers of Attorney advice - Facilitation in providing
- Gifting strategies -
- Pension and Centrelink strategies -
- Memorandum of wishes advice -
- Testamentary trusts - Facilitation in providing
- Advanced health directives - Facilitation in providing
- Superannuation/Allocated Pension (Binding Nominations) -
The following Advice and Service areas are provided by our Strategic Alliance partners through a facilitation process that ensures priority and cost effective advice and service.
Taxation & Accounting Advice & Planning (Facilitation).
- Taxation Planning & Advice - Individuals, companies, trusts, partnerships and superannuation funds -
- Business Feasibility Evaluations - Advising on new business acquisitions, analysis of financial information and advice for tax effective disposal of a business.
- Computer Software - M.Y.O.B, QuickBooks, Cash flow Manager and Bank link -
- Training support and advice on software selection -
- Accounting - Weekly, Monthly, Quarterly and Yearly financial accounts and reports -
- Cash flows and Budgets and monitoring of same -.
- Management accounts and advice -
- Audits -
- Finance Applications -
Business Planning & Succession (Facilitation).
- Grow, Manage, & Exit Strategies -
- Business Structure advice -
- Key Man option strategies -
- Tax effective sale positioning advice -
- Employee share plans -
- Family succession mediation and planning -
- Inter-generational planning advice -
- Organisational structure advice -
- Systems and Processes advice -
- Operational advice -
- Business Planning & Development -
- Operational Management Advice and Planning -
- Marketing Strategies Advice & Planning -
- Financial Advice & Planning -
Legal Services (Facilitation).
- Property conveyancing -
- Wills -
- Powers of Attorney -
- Advanced Health Directives -
- Special Deeds -
- Other Legal Services -
General Insurance Services (Facilitation).
- House & Contents Insurance -
- Business/Commercial Insurance -
- Motor Vehicle Insurance -
- Boat, Caravan, Trailer Insurance -
- Professional Indemnity Insurance -
- Public Liability Insurance -