S and P Financial Advisers
Plan your financial future
We are an Accredited SMSF Association Specialist.
S and P Financial Advisers
About Us
S and P Financial Advisers is established in 2023 with the aim of providing high-quality financial planning solutions tailored to the unique needs of our clients from various backgrounds. Our primary focus is on providing tailored services to individuals, professionals, families and small businesses. At our core, we are dedicated to creating personalized financial solutions that specifically cater to your individual needs and aspiration.
Our Approach For Your Financial Success
Tailored Solutions: Our commitment to tailoring financial solutions ensures that each client’s unique needs and goals are addressed effectively.
Holistic Approach: We provide comprehensive financial planning services, covering all aspects of your financial life, to ensure you have a well-rounded strategy.
Long-Term Partnership: We aim to be your trusted partner on your financial journey, providing ongoing support and guidance.
Understanding Unique Needs: We recognize the underserved nature of the ethnic immigrants and are well-positioned to provide them with essential financial planning advice that aligns with their circumstances and life objectives.
OUR MISSION
Our mission is to empower individuals, professionals, families, and small businesses by delivering customized financial planning services. We strive to equip our clients with the knowledge and insights needed to make well-informed financial decisions, ensuring the security and prosperity of their financial futures.
OUR VISION
To be your trusted guide on the path to financial success, known for our personalized, creative, and ethical financial planning. We dream of a future where you, your family, and your business confidently achieve your financial dreams. With us by your side, navigating the ups and downs of the market becomes a journey filled with assurance, expertise, and a friendly touch.
OUR VALUES
Your Peace of Mind and Sleep at Night – Experience peace of mind and restful nights with our dedicated commitment to secure financial well-being. We ensure your goals are met, so you can embrace each day confidently, knowing your financial matters are in capable hands.”
As a SMSF Specialist Advisor™, he possesses an understanding of the complexities associated with SMSF, allowing him to offer expert guidance on how to utilize the structure to meet your financial objectives.
Sunil Shrestha | Registered Financial Adviser
SMSF Specialist Adviser™
Sunil Shrestha is an Authorised Representative No. 1301111 of InterPrac Financial Planning Pty Ltd (AFSL 246638).
How we Help ?
Superannuation Planning
Superannuation Planning entails the strategic management and optimization of your retirement savings. This involves carefully selecting the right investment options while also addressing associated costs and fees. The approach includes tailoring contributions, devising effective investment strategies, and planning for retirement income streams. The goal is to create a comprehensive plan that maximizes benefits and ensures the secure financial well-being of individuals in their retirement years.
Personal Insurance and Risk Protection
Risk protection through personal insurance involves assessing individual needs, considering lifestyle factors, and selecting appropriate coverage to mitigate financial risks. This protective mechanism assists you in safeguarding your hard-earned assets from financial losses resulting from unexpected events such as death, illness, or injury.
Estate Planning
Estate planning is the strategic arrangement of your assets and affairs to ensure they are distributed as per your wishes in case of death or incapacitation. depending on your life situation, This could involves preparation Wills, having Enduring power of Attorney or Legal Guardianship.
Debt Structuring and Management
Debt Structuring and Management is the process of repaying money you owe and reducing your debt by utilizing your available resources in a tax-effective manner. This involves prioritizing the payment of high-interest, non-deductible debts first and considering negotiations for improved terms with creditors. Restructuring and refinancing your debt may be employed to transform bad debt into good debt, optimizing the overall financial arrangement.
First Home Super Saver
The First Home Super Saver (FHSS) is an Australian government program allowing eligible individuals to make voluntary contributions to their superannuation for the purpose of saving for their first home. These contributions, along with associated earnings, can be later withdrawn with certain tax advantages to facilitate homeownership. However, specific eligibility criteria and limits apply.
Retirement Planning
We understand that your retirement represents a culmination of a lifetime of hard work and dreams. Our dedicated team of financial advisors is committed to helping you navigate the complexities of retirement planning, ensuring that your golden years are filled with peace of mind and financial security.
Wealth Creation
Wealth creation involves growing financial assets through increased income, strategic investing, effective debt management, disciplined saving, and optimizing tax planning with a long-term perspective.
Investing
Investing involves allocating a portion of your income with the expectation of generating returns over time. It can take various forms, including stocks, bonds, real estate, and other assets. The goal of investing is to grow wealth or generate income. Successful investing requires careful consideration of risk tolerance, financial goals, and market conditions. Diversification, research, and a long-term perspective are often key elements in building a well-rounded investment portfolio.
SMSF and Property Investment
Self-Managed Superannuation Funds (SMSFs) offer individuals the opportunity to invest in property as part of their retirement strategy. With SMSFs, members can use their superannuation funds to acquire residential or commercial properties. Investing in property through an SMSF provides potential benefits such as capital growth, rental income, and tax advantages within the superannuation structure. However, it comes with specific regulations and compliance requirements, making it crucial for SMSF trustees/directors to navigate these intricacies and ensure adherence to legal obligations.
Budget and Cash flow management
Budget and cash flow management entail strategically planning and tracking income and expenses to
achieve financial goals efficiently. This involves creating a budget as a roadmap for allocating
resources wisely and managing cash flow to ensure there's enough liquidity for ongoing expenses
and financial stability.
Save. Invest. Grow.
1
Initial Discovery Meeting
This meeting is a valuable opportunity for us to gain a deep understanding of your circumstances.
2
Strategy Development
We’ll craft a personalized financial plan to align with your lifestyle goals and objectives.
3
Advice Preparation
Once your personalized financial plan takes shape, we’ll document it to ensure complete
transparency.
4
Financial Plan Presentation
Once your SOA has been completed, we will arrange a meeting to take you through our recommendations.
5
Plan Implementation
Once you are Happy to Proceed, we will then complete the rest of the process for you to ensure nothing slips through the cracks, so you don’t have to worry.
6
Ongoing Review
As life evolves, so does the financial landscape affected by your circumstances and ever changing laws.
BOOK AN APOINTMENT TODAY
Get In Touch
Connect with S AND P Financial Advisers today , to Secure your Financial Future.
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