Our advice on retirement planning will assist you to ensure that your assets, capital and income streams outlive you, so that you have enough to live on in retirement.

We can help you to achieve the lifestyle that you seek in retirement by providing practical and helpful advice to assist you to reduce the impact of inflation, generate competitive tax-effective returns and create an appropriate income stream in your retirement; a process we can help you with, regardless of how many years you are from retirement.

We can help you take control of superannuation structuring and strategies so they are properly aligned with your financial and lifestyle goals.

Whether it’s through the assessment of fund managers or helping you establish and manage your own self-managed superannuation fund (SMSF), we can assist you regardless of what stage you are in life; structuring investments and outcomes to meet your lifestyle goals in retirement. We also specialise in acquiring real estate within a SMSF.

We can help you manage your taxation issues, to ensure you comply with tax legislation and only pay the amount you are required to.

We know that managing taxation issues can have a significant impact on financial outcomes. So, at Spring, our tax and accounting experts will help to make sure your affairs, assets, investments and income streams are structured in the most tax-effective manner possible. Alternatively we can work with your existing accountant or taxation adviser.

We can help you secure the most appropriate loan structure and arrangements to suit your individual needs and requirements, to help achieve your investment goals.

Through our extensive network of banks and other lenders, backed by our knowledge and expertise, we can structure the most competitive loan products available on the market. And, as we are not aligned to any particular financial institution, we can ensure that the recommendations we make are unbiased and appropriate to your needs.

We can develop and help manage your direct equity investments, as part of your personal portfolio holdings or super fund; with full visibility of transactions and results.

Working with our team of experts, we can help you take control of your direct investments in shares, decide which companies to choose, when to buy and sell, or help you understand and decide whether equities are right for your circumstances and what role, if any, they should play in helping achieve your goals.

We view property like any other asset-class; balancing risk versus reward and knowing that careful, independent product selection is critical to maximizing financial returns.

Most Australians feel comfortable with direct investment in real estate yet most financial planners overlook this asset class completely, leaving their clients to tackle this critical opportunity and associated risks.

Whether it’s the assessment of fund managers or establishing and managing your own super fund, we can help you take control of strategies and structures to align with your goals.

For most Australians superannuation will be a vital (or even primary) source of income in retirement; therefore, for you, establishing the right structure and achieving investment outcomes can have a major impact on exactly when you are able to retire and on your lifestyle in retirement. We can help you make sure you make the right decisions at the right time.

Our team of experts can help you assess and decide which, if any, alternative investment types are suitable to help you achieve your lifestyle and financial goals.

We can help you assess the myriad of safe to highly-speculative investment choices  available (such as shares, fixed/variable, interest-bearing, capital/partial-capital guaranteed, debentures, derivatives, bonds, deposits and other structured products), to help you decide which, if any alternative investment types are suitable to help you achieve your goals.

We can help you manage the effects of serious illness, or even death, so that these events do not seriously jeopardise your family’s financial well-being.

As we are not aligned with any financial institution we have access to a range of products from leading providers; rather than being limited to a particular corporate or institutional offering. So, whether its life, trauma, total & permanent disability, income protection, or other insurance across your investment and lifestyle assets, Spring can assist.

We can help you with insurance to protect your business in case you are unable to fulfil your role as the owner/partner/shareholder due to illness, disability or death.

Spring can help you develop your strategy for maximum protection, to offset reductions in revenue should something happen to you (or to other stakeholders named in the policy), or cover fixed business expenses if the revenue generating capability of your business is hamstrung by your inability to work due to illness or disability.

Spring assists with developing and establishing estate plans, wills, powers-of-attorney and beneficiary arrangements, to suit your needs, requirements and desires.

Through our network of third-party specialists and lawyers, or working directly with your solicitor, we can assist with your estate planning needs, to help you provide against unforeseen circumstances and to ensure that your finances and assets are protected and dealt with in the manner you envisaged and intended.