Our Expertise in Financial Services

Experience tailored insights, advice, and education to navigate your financial journey. Financial planning is a strategic approach to managing your financial resources effectively. It encompasses setting short term, medium term, and long term goals, evaluating your current financial situation, and creating a structured plan to achieve these objectives.

This process involves various elements, including budgeting, investment strategies, retirement planning, tax management and ongoing reviews to adjust and adapt your plan as required.

In our view this is the most important building block to a successful financial planning strategy and a key element to goal achievement. Without a budget you don’t know what you are spending, therefore you are not able to allocate the savings needed to the areas needed to achieve your goals.

Interwest will help you to set a realistic and achievable budget that will provide a comfortable lifestyle, fun, leisure and holidays but balanced off to create the required savings to allocation to your financial goals like, paying off your mortgage or debts, paying for education fees, savings for an emergency and saving for your retirement.

We will design an automated to cash flow management system that will help you stick to a budget, monitor and understand your cash flow position and savings and importantly direct the savings towards your goals. We will provide regular coaching to keep you on track to achieve your goals.

Home ownership is an aspirational goal for many Australians and with that comes “debt”.  Our debt reduction strategies work hand in hand with our cash flow systems to identify opportunities to generate surplus income and then advise whether to best use those funds to boost your super or invest, build up cash reserves or pay down debt.

Our experienced advisers can also assist clients in understanding the difference between “good” and “bad” debt and where appropriate incorporate borrowed monies as part of a broader wealth creation strategy. 

Retirement planning can raise some uncertainties like, how much do I need to retire with? When should I retire? Can I afford to retire? Will my money last my life expectancy?

Our thorough and comprehensive advice process, coupled with our experience in this area will help to educate you, answer your questions and provide clarity and peace of mind as well as a plan to achieve your retirement goals.

Interwest’s advice will help you navigate the complex world of investing and financial markets. Our highly trained and experienced financial planners will help you to set financial goals then provide advice on tailored bespoke portfolios to help you achieve your wealth objectives while managing investment risk. We will educate you and build your financial literacy and confidence without bombarding you with complex investment terminology and jargon.

Interwest can provide investment advice via super, account based pensions, SMSF, non-super ordinary investing, family trusts and companies.

Our estate planning education, guidance, and advice will help you to plan for the best whilst preparing for the worst case scenarios.

Transferring your wealth to your family and loved ones is a major focus at Interwest. We will ensure your wealth is transferred in the most efficient way to reduce tax and ensure continuity where possible and in the event of death that your wealth and assets are distributed according to your wishes. 

Should the unthinkable happen, and you suffered death, total and permanent disability, a trauma or could just not work due to health reasons, there may be unanswered questions and anxiety like, how will my mortgage be paid, how will I pay my bills, how will my family survive without me?

Interwest is highly experienced in personal insurance planning. We will help you to determine your personal insurance needs balanced with premiums affordability, the correct ownership structure, and ensure that you and or your loves ones have the financial resources needed to clear a mortgage, pay for bills, fund expenses and still achieve a comfortable retirement. At the annual review we will review and adjust your insurances down to save premiums as your wealth increases and debts decrease.

Understanding Centrelink / Services Australia can be a minefield and confusing. Interwest’s planners are highly experienced in all areas of Centrelink to include services such as Job Seeker, Age Pension, Carer’s Payment and Allowance and the Commonwealth Seniors Health Card.

Interwest can provide investment advice within SMSF structures. Our team of advisers are highly experienced in the areas of: contribution advice, investment advice, compliance and retirement planning solutions. We will work closely with your accountant and other professionals to maximise the benefits of your SMSF and to adhere to compliance requirements.