Financial Advice Services

Periapt Advisory offers comprehensive financial advice. This means we look at the different factors that determine your wealth and enable you to achieve your goals.

We can help you develop an investment portfolio in line with your own appetite for risk. This may be one that includes property, shares, bonds, debt, margin lending, and more. It will depend on what is appropriate for you and your circumstances.

We seek out comprehensive, low-cost financial protection with all commission rebates passed back onto you. We help you decide what is the right amount of insurance for you and your situation, and stop you having too much (which can be costly), or too little (which can be disastrous).

You need to be living within your means in order to increase your wealth and fund your worthwhile goals. We can help you get there, but you will need to follow the advice. It may be that there are some taxation strategies we can help you implement – it is not necessarily a matter of reducing your standard of living.

We will ensure you are receiving all of your entitlements, whether that be structuring your assets to maximise the Aged Pension from Centrelink, or perhaps helping you obtain concessions from SA’s Department for Communities and Social Inclusion.

This may be offered to you but you are not sure if you wish to take it. It can affect the amount of superannuation you receive and there may be Fringe Benefit Tax considerations. We can help you navigate this to make the most of available opportunities.

You may have an idea of the sort of things you want to do in retirement, and we can assist with getting you on track for whatever that may look like, whether it be forty years or forty days away. Perhaps you want to join the FIRE movement (“Financial Independence & Early Retirement”) or maybe you just want to know how close you are to being able to call it quits on the 9 to 5 train.

Having your money in the right super fund, and invested in the right way for you, can have a massive impact on how much money is available to you in retirement. There are a lot of rules about when money can go into super, and when it can be taken out, and not knowing or following the rules can cost you considerably. Whether it is advantageous, especially from a tax perspective, to either put extra money in, as a concessional or non-concessional contribution, or whether you can or should take it out, is something we will advise on. The rules around SMSFs can be complicated too and there are heavy penalties for making mistakes. We would look at whether an SMSF is right for you, or whether there are other better alternatives that would suit you and allow you to have control over your retirement savings without all the heavy compliance.

We can help pilot you through the jungle of aged care services and fees, at a time which is often very stressful, whether it is you or someone you care about who needs to make the move to an aged care home. There are several financial aspects, such as whether to pay the Refundable Accommodation Deposit (RAD) or a Daily Accommodation Payment (DAP) instead; whether to sell the family home or keep it; and how other assets will impact the means-tested fees, and what to do about all this.

We can help you to bring your estate under control. This is not just about having a Will. Often, people’s most sizeable assets, such as their home and superannuation, are not covered by the Will. A person who dies without a valid Will (and certain situations can revoke a previously valid Will) is said to die intestate and South Australian law will determine who gets what, which may not be in line with your wishes. We will look at other legal considerations as well, such as nominating superannuation beneficiaries, Powers of Attorney and creating Advanced Care Directives.