How we can
help you

Family & Education Planning

Working through different life stages as a family can be overwhelming. We will help take away the stress so that you can focus on the special moments.

We will help you:

• Work on a budget on how much you need to save for pregnancy, parental leave and beyond.
• Understand and incorporate early learning childcare costs and subsidies into your budget.
• Know how long you can have on parental leave and when you should return to work.
• Finding your required household income to achieve your wealth goals  invest for longer term education funding for primary or high school.
• Educate you on the flow on effect around your insurance arrangements and estate planning considerations.

Personal Protection & Insurance

You insure your car and you insure your home, but the most important asset is YOU and your ability to earn an income.

We will help you:

• Undertake a review which incorporates a need versus want analysis.
• Obtain high quality cover that is personalised for your situation and needs.
• Understanding the level of cover you need to covering debts or income to provide for you or your family.
• Tax effective structuring inside super or outside super to ensure it doesn’t impact your cashflow or other wealth goals.
• Educate you on the flow on effect around your estate planning considerations.

Superannuation

Superannuation is one of the biggest assets you will own and it is one of the most tax effective ways to provide income to you in retirement. Therefore, it is important to have this structured appropriately to you.

We will help you:

• Work out whether you are in a good fund.
• Develop your investment strategy within the fund.
• What types of contributions you should be making.
• Reviewing any insurances within the fund.
• Educating you on your beneficiary nomination options as your superannuation doesn’t automatically form part of your estate/will, as well as understanding the flow on effect in regards to tax to your beneficiaries.

Retirement Planning

At this time in your life, you should have the confidence that you can afford a comfortable lifestyle to support your retirement adventures.

We will help you:

• Replace your income, through various income streams when you retire (including superannuation pensions and lifetime annuities).
• Look at ways to minimise any tax you pay in retirement.
• Understanding any government benefits you may be eligible for such as the Age Pension or a health care card (and providing strategies around improving these benefits).
• Leave a legacy so you can share your wealth in a tax effective way.

Financial Independence

Retiring early can be achievable with the right planning.

We will help you:

• Invest outside of superannuation to bridge the gap required before you can access your superannuation.
• Help you develop an asset allocation that is right for your goals.
• Advise on investment strategies to help you build passive income and save for the long term.
• Provide recommendations on how to structure these investments whether it is in your own name, family trust, company, investment bond etc.
• We have a panel of trusted accountants and lawyers that we work closely with (if you do not have your own) if you require any entity structure set ups or reviews.

Buying Property

The Great Australian Dream is often to own a home.

We will help you:

• We focus on determining how much you can comfortably afford, considering not only the amount the bank is willing to lend* but also your desired lifestyle and other financial goals.
  We provide a thorough analysis of investment property numbers, empowering you to make informed decisions regarding whether to buy, keep, or sell a property.
• Furthermore, we conduct stress testing to assess the impact of potential  interest rate increases on your financial future. This ensures you have a clear understanding of how changes in interest rates can affect your overall financial situation.
• Educate you on the flow on effect around your insurance arrangements and estate planning considerations.
• We have a panel of recommended mortgage brokers that we work closely with if you do not have your own preferred broker.

*Deline and Mazi Wealth are not authorised to provide advice on your ability to obtain or alter lending products, nor the suitability of existing credit products. You should seek advice from a licensed credit representative to obtain relevant advice.

Estate Planning

An estate plan is more than a will. An estate plan is about understanding who will control your assets and who will make key decisions for you in the event you are unable to make them for yourself.

As we will already know so much about you from our financial planning process, we will help:

• Work with your estate planning lawyer to ensure your financial goals are considered by understanding your family tree, wishes and intentions.
• Educate you on the flow of your assets in the event of you passing away (not all assets will be covered under your will).
• Explain the tax consequences of various estate planning strategies.
• Review your superannuation and insurance beneficiary nominations.
• We have a panel of trusted estate planning specialist lawyers that we work closely with (if you do not have your own).