Problems WeSolve
Having a great retirement is what everyone deserves. However, it is a minefield when planning to retire or retiring, while trying to understand the new opportunities that you have, as well as the problems to solve.
“A goal without a plan is just a wish.”
- Antoine de Saint-Exupéry
Obtain Tailored Strategy Advice
At Freshwater Wealth, we understand the unique nature of your financial journey. Our services are thoughtfully designed to address specific life events and challenges, aligning with our 7 Step Wealth Creation Framework. Here’s how we can support you:
Strategy Advice To create a great retirement
7 Step Wealth Creation Framework
Our advice will be a plan to help you achieve your goals, maximise available opportunities and solve potential problems. Within each of the pillars of the strategy framework, you’ll find several instances of typical challenges that we address.
Plan for Life events & create exciting goals
Life’s pivotal & significant moments can be well planned or they can create angst. Obtain strategies that can use legislation to your advantage, that provide certainty & comfort. See if your plans are on the list:
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- Retire, resign, reduce hours or are retrenched,
- Plan on travelling and having exciting holidays,
- Want to spend time with grandchildren.
- Assist children with home deposits,
- Care for elderly parents,
- Downsize,
- Receiving inheritances,
- Renovate,
- Sell property or your business,
- Spending time on your passions,
- Giving to charities and creating a legacy.
Generate Income
Having these questions answered can mean the difference between having sleepless nights or living confidently and without paying tax on income again:
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- Can I afford to retire?
- Will my money run out?
- Can I receive a tax free (0%) income?
- How much superannuation & investments do I need to retire?
- Should I go on Annual & Long-Service Leave before I retire or take the lump sum payment?
- What is best strategy for my surplus cashflow?
- When can I retire?
- How does a Defined Benefit Superannuation plan work?
Minimise Tax
Savings up to tens of thousands of dollars in tax, maybe achieved if they apply to you:
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- Aged 50+ and investing,
- Aged 60+ and changing jobs,
- Aged 65+,
- Before aged 75,
- Selling your home, property or business,
- Your super balance is under $500K,
- There is an age gap with your partner,
- 4 R’s: Resigning, Retiring, Reducing hours or being Retrenched,
- Potential ‘death tax’ is significant,
- Contributing to superannuation,
- You know someone who doesn’t have long to live,
- Capitals gains tax to pay,
- Claim up to a $137,500 tax deduction,
- Paying too much tax,
- Wanting to invest tax free (0%),
- Received a Division 293 tax notice,
- I’m having to pay tax regularly for my SMSF.
- I have a Family trust.
Optimise Debt
These are surprising debt mistakes, that could cost retirees thousands:
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- Adding funds directly to a loan account or,
- Reducing the wrong loan
- Clearing loans completely
- Not reviewing Interest rates
- Reducing debt: Is this the best strategy for retirees?
- Plus, the Debt Reduction vs. Super Contributions: The Retiree’s Ultimate Dilemma.
Invest Wisely
Successful investing can decide your future. These questions and scenarios are important to solve:
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- Which superannuation fund should I use?
- How do I minimise the chance of selling investments at a loss (in market downturns) to fund my regular withdrawals for my retirement income?
- Is now a good time to invest?
- Where should I invest?
- What return should I receive?
- What are the risks?
- What can I contribute and invest in superannuation?
- Should I use a SMSF?
- I have a large number of shares in one company – (maybe from an employee share scheme)
- Selling a property, a business
- Receiving an inheritance or redundancy.
- Investment volatility is too much.
- My SMSF is too much work.
- I have a Defined Benefit superannuation plan.
Protect Assets
Before you do the following, check with us as they may change your life, as well as the lives of your children and your grandchildren forever.
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- Giving money to kids for any purpose, including for a home deposit or,
- Having your Will’s prepared or,
- Considering how financial transactions could be arranged if you were unwell, became disabled or were overseas.
- Commencing working on Boards as a Director or,
- Protecting assets from going to your family’s ex-partners.
- Cancelling your Life, disablement (TPD), Trauma or Income Protection insurance policies.
- You plan to sell your home if you cannot work or if you/partner passed away.
- You would like to protect assets from business creditors.
Gift funds and create an inheritance
These estate planning examples could cause heartache for your loved ones when you pass away, if not arranged correctly:
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- Your Will exposes your estate to be given to unintended beneficiaries.
- Should I gift specific assets or, simply divide my total estate in my Will?
- Keep your assets in the ‘blood line’ if you pass away, so your assets aren’t gifted to your family’s ex-partners.
- Adding your children as your superannuation beneficiary.
- Continuity of your superannuation Income stream for your partner.
- Ensure your partner doesn’t have to unnecessarily sell your superannuation investments.
- Ensure your partner doesn’t regularly pay tax on your superannuation monies.
- Automatically giving your superannuation to your partner may not be ideal.
- When one child works in the family business, and you want gift your estate equally.
- Your partner has no interest in running your business, especially with your business partner too.
Peace of Mind
Have peace of mind with complexity removed.
Gain Confidence
Gain confidence with personalised strategies.
Enjoy Life
Create wealth to enjoy.
For A Great Retirement Lifestyle
What Our Clients Say
Merran, 46 - 55 years, Spencer, NSW
Dean is a really honest and knowledgeable person who always explains all of my options thoroughly and clearly. He is always very approachable, interested in understanding and meeting my needs. I’m very…
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grateful and privileged to have Dean as my adviser.
Margaret, Alexandria, NSW, 55+
I have found Roger to be an outstanding financial adviser for my needs. He is extremely knowledgeable, efficient and possesses a calm and approachable personality. Always contactable, open , patient…
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and proactive in providing excellent advice when required. He follows up with regular reviews and any query (small or other) is always welcomed by him. Roger has no agenda other than to ensure his clients are comfortable with the strategy and if not he has no issue in working to ensure my risk appetite aligns. He is trustworthy and oozes integrity which is rare in the industry and I would so highly recommend him to anyone.
Joe, 56 - 65 years, Castle Hill, NSW
We have been a client of Deans for some years now. During this time, Dean has always provided honest and reliable advice in relation to our superannuation and future investments. Dean is both knowledgeable…
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and understanding with his advise and always tailors his advice to the client. He is always available to clarify any queries we have in relation to his advise. We highly recommend Dean as an adviser.
Phil, 56 - 65 years, Narraweena, NSW
Roger has been advising me on my superannuation and retirement income strategies for over 7 years. He takes the time to get to know his clients and their specific needs and provides excellent service and advice
Lisa, 56 - 65 years, Rose Bay, NSW
My husband and I have been clients of Deans for over 20 years and trust his expert opinion explicitly. He is always upfront and honest with us and puts himself in our position to best advise the most suitable..
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investments and financial choices. I can’t recommend Dean highly enough, not only is his knowledge extensive and up to date, he’s also a really nice person!
Vanessa, 56 - 65 years, Balgowlah Heights, NSW
Roger has helped us enormously. He restructured our insurances and helped navigate our investments for retirement. I am not financially savvy and he explains things in a way that I understand…
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he has incredible communication skills – especially for me as a visual thinker. He is also very proactive and responsive. Highly recommend
Patricia, 65+ years, Hornsby, NSW
Dean has been my financial adviser for 18 years or more. I cannot speak more highly about his courtesy, integrity, his kindness and honesty and clear communication to me. He assisted me when I left work in…
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applying for the age pension and now looks after my pension from my superannuation fund. I can call him at any time, and he immediately returns my calls with the explanation of whatever I am enquiring about. I am very happy with the way he has distributed my superannuation into the current portfolio I have. I would wholeheartedly recommend him to any person who was looking for advice on how to manage their financial portfolio.
Vivienne, 65+ years, Leura, NSW
Roger has been my trusted financial adviser since 2018. Roger is very approachable, patient, and really explains in plain English issues I need fuller understanding of. When it comes…
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to my interests, whether that be in the area of taxation, or retirement concerns, Roger gives me piece of mind. I would highly recommend him to anyone seeking a financial adviser.
Mark, 56 - 65 years, Balmain, NSW
My wife and I have been clients of Dean’s for many years now. During this time we have found Dean to be very knowledgeable, professional and a good communicator. He provides clear sound advice in all matters…
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relating to our financial security all with first class service. Highly recommended.
Jo, 46 - 55 years, Freshwater, NSW
Roger has been our adviser for approximately 5 years and he has been invaluable in providing advice around our investments to ensure we have retained the right mix of cash flow and capital growth…
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He has also guided us through upgrading our home and restructuring our debt and investments, as well as providing clear and easy to understand information about our super and how we will need to plan for retirement. I would thoroughly recommend Roger to anyone seeking financial advice.
Kathleen, 56 - 65 years, Bundanoon, NSW
I would highly recommend Dean Fuchs. I have found him to be very personable and knowledgeable. His experience is broad and extensive having worked in the industry for many years. His ability to communicate…
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complex information in a way that makes it easier to understand is a strength. He acts with honesty and integrity at all times. And I always feel with Dean that he truly has my best interests at the forefront of his mind.
Paul, 56 - 65 years, Balgowlah Heights, NSW
Roger has helped us with our financial planning for many years. He always communicates the issues very clearly; he is very patient and goes out of his way to ensure that everything is well understood.
Graydon, 65+ years, Narrabeen, NSW
My involvement with Roger in the Finance Industry goes back over 20 years where I have always found him to operate with integrity and a willingness to fully understand…
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a client’s requirements and strategy. He listens and does not force an unwanted strategy or unsuitable investment but is willing to offer alternative opportunities to support a client’s goals.”
Terry, 56 - 65 years, Balmain, NSW
Roger was recommended to us by a friend with 15+ years experience of dealing with him. We have used him to help simplify our retirement needs for the past few years…
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In this time, we have found him to be personable, honest and knowledgeable – all the requirements needed in a financial adviser. We can highly recommend.
Carmen, Beverly Hills, NSW, 45+
Roger is professional, patient and genuinely listens and cares for my financial planning needs. He is approachable and delivers clear and easy to understand strategies and recommendations…
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I am very grateful of Roger’s expertise and advice, and have full confidence that my investments are in very capable hands.
Bruce, Crows Nest NSW, 65+
Roger has been my adviser for over 5 years. His style is to understand my situation and my aims/desires; then he creates strategies accordingly. Along the way he clearly explains complex issues in a simple way…
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In addition he frequently makes very worthwhile suggestions. He responds very quickly and has a wealth of knowledge making him ideal to contact for any financial issues. It’s a pleasure to recommend him.
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