Proactive Accounting & Financial Services are specialists, we offer extensive expertise. Maximize your choices in retirement through superannuation.
Whether it be retiring early, or ensuring an independent lifestyle when you do stop work, our financial planning team will set you on a path to achieving your goals via superannuation.
We advise on Australian superannuation pensions. We also offer advice on a range of financial planning services includes:
Speak to us today. We will discuss how much superannuation you require to retire. Make sure you meet your retirement objectives.
Our tax and financial planning experts can demonstrate how to minimise your tax bill through investing in superannuation. How to gain greater performance from your current super. How to gain greater control over your superannuation assets. We provide a holistic retirement planning service. Let us tailor this to suit our unique situation.
Financial planning is an integral role with Proactive Accounting & Financial Services enabling us to discuss the range of superannuation strategies available to reach your retirement goals.
We believe all business owners, as well as forward thinking individuals, should have a Financial plan.
We have financial planners who will work with you in meeting your goals. And we will review your objectives for investing. We can assist with personal risk insurance, business insurance, superannuation and estate planning. Financial Planning Gold Coast
Proactive Accounting & Financial Services can help you with investing for your future and your children.
A Financial investment is a way of growing your money by using different strategies. We believe in being able to access investments such as:
An Investment is structured in line with an individuals. Do you have an appetite for risk or reduced risk? We can help you grow your money.
Key Person Insurance
Proactive Accounting & Financial Services recognise that there could be individuals who are critical to the success of your business.
It is crucial that a business protects the key people of importance. In the event of their absence. This insurance would usually cover the owner or a key employee. Where absence would have a serious negative effect on the business.
Replacing a critical staff member who leaves can be expensive. We can recommend insurance to cover the cost of recruiting a replacement, or for compensating for loss of income if an owner was incapacitated.
Life Insurance/TPD (Total & Permanent Disability)/
Trauma & Income Protection
Proactive Accounting & Financial Services recognise that accidents happen. That unexpected events including death can have a devastating effect on families.
Life insurance covers you in the event of Death or diagnosis of a terminal illness. Life insurance is paid as a lump sum.
Total & Permanent disability insurance provides a lump sum. Should you suffer an illness or injury that rendered you totally and permanently disabled.
Trauma insurance provides a lump sum payment, should you have a diagnosis of a defined critical illness. This can help relieve financial difficulties. Trauma insurance policies generally cover major illnesses, covering heart attacks, cancer, strokes, and injuries such as paralysis and paraplegia.
Income Protection cover provides a regular monthly income. Help replace income lost due to the inability to work. Don’t let illness or accidents cause you financial worry. There is a maximum level of cover you can insure. This is generally 75% of your gross annual income.
Proactive Accounting & Financial Services can help prepare you for the time when you no longer wish to work, or alternatively, want to slow down and transition yourself out of the work force.
An appropriate retirement plan is critical. Ensure you maximise your tax free income as well as any Centrelink benefits. Plus you are able to afford a comfortable retirement.
Proactive Accounting & Financial Services accounting professionals believe all business owners should have a succession plan.
Succession planning involves planning for a certain event, planning for retirement, or unexpected demise of an owner. It is essential to ensuring the future value of a business.
Without a succession plan, the future of a business is left to chance.
Our advisers work with business owners. We plan for succession as well as identify any risks and how to manage them.
Included in a succession plan is how to raise funds, pay out a partner or family member.
Also to be considered in this planning process are buy/sell agreements. These specify what will happen to a share of a business. What would you do if one partner dies or becomes seriously ill or disabled. The agreements specify how money will be raised. The transfer of ownership is either through borrowing, or through insurance.
We consult with business owners. We explain how business insurance works and show clients the value of their business. We obtain appropriate insurance to fund a buy out. We liaise with a solicitor to draft an agreement.
Speak to us about how to plan, manage and implement your succession. Leave your business easily and profitably.
For more information on financial planning and insurance contact us on (07) 5539 4143.
Check Your Financial Wellbeing
This simple assessment will highlight the opportunities to strengthen your financial outcomes
Contact us today to arrange a time to assess your circumstances and experience the Proactive difference we can make to your success!