Aon Hewitt Financial Advice Services for Individuals

Everyone has financial goals and objectives. You may want to pay off your mortgage sooner, retire early or establish a family trust. Whatever your goals, you are much more likely to achieve them with the help of professional financial advice.

Whether you are just starting the journey to financial freedom, or about to retire and enjoy the rewards of your hard work, Aon Hewitt Financial Advice has a range of services to meet your needs.

Our financial planning process is designed to ensure you receive the most appropriate advice and services for your needs.

Superannuation
Superannuation is one of the most tax effective methods to save for retirement. We can develop a strategy that maximises the tax benefits of your superannuation, increasing the funds available for your retirement. We can also provide simple advice on topics such as salary sacrifice, self-managed superannuation funds, contribution strategies (including spouse contributions), life insurance options, and how to generate an income in retirement.

Retirement Planning
People today are retiring earlier and living longer. While this is a healthy trend, it also means you must take steps to preserve your capital. We can help by providing practical advice on how to reduce the impact of inflation and maximise social security entitlements. We can also explain how to build your retirement capital while you are still working and how to maximise the benefits of roll over strategies and discretionary trusts.

Wealth Creation
Helping you to build, protect and manage your wealth is our primary responsibility. We provide practical advice on investment strategies tailored to suit your individual goals, preferences and risk tolerance. The engine of your financial plan is a broad selection of investments. These may include managed funds, superannuation, pensions together with investments across a range of different asset classes such as global and Australian equities, property, fixed interest and cash.

Wealth Protection
Protecting your income and assets through the proper use of insurance is a key element in the financial planning process. Our financial advisers will ensure you have adequate cover through life including total permanent disability, trauma and income protection insurance. Appropriate insurance cover is also a prerequisite for many of our recommended estate and succession planning strategies.

Taxation
Taxation planning is an integral part of your overall financial plan and it underpins the aspects of our investment advice. Our financial advisers can work with your accountant to develop strategies that will minimise your tax liability.

Debt Services
Debt management and borrowing (gearing) strategies are an important part of building wealth. Borrowing to invest has always been central to the wealth creation process but it can also be risky if you don’t have the right advice.

Estate Planning
Approximately half of the Australian population does not have a valid will when they die. In conjunction with your solicitor, we will develop a tax-effective estate plan tailored to meet your individual requirements. The plan will incorporate powers of attorney, wills, prepaid funerals and testamentary trusts. The end result is an estate plan that provides for your beneficiaries.