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Matching the right financial product based on your goals is important and Intellichoice will help you create a financial planthat includes the right mix of investments, superand insurance. Whether you are looking to create wealth, have a comfortable retirement, protect your assets and family or reduce debt, speak to a financial advisor who you can trust and who will look after your interests.

We have a full spectrum of unique and creative financial planning solutions available to help you achieve your financial dreams.

Financial Planning

We will tailor make a financial planthat suits your specific needs and which incorporate superannuation, managed funds, tax planning, insurances and more. Our financial planners will be able to work out with you the best options to help you put your money to work so you can get ahead. Best of all, our unique model means you only pay a low fee or no fees for our financial planningservice.

Savings and Wealth Creation Strategies

Making the move from saver to investor is your first step on the road to building and growing your wealth. You can be assured that any recommendations we make for growing your wealth (either through real estate or other investments) meets your individual needs and your short, medium and long-term goals.

Debt Management

Debt managementis a process whereby you actively manage and review what you owe, to ensure that you are not paying any more than you need to when purchasing assets. While reviewing your portfolios is considered to be an essential part of the asset accumulation process, so too should be the regular evaluation of your debts and liabilities. Our financial planners will advise you on the most effective debt management solutions to help you regain control of your finances.

Budgeting and Saving

The best tool for finding extra money is by using a budget. Managing a budget allows you to know where your money goes and helps you reach your financial goals, whether it is for a new home, a comfortable retirement or managed investments. Please make use of our financial calculatorsto help assess your financial position, including the budget planner, savings calculatorand credit card repayments calculator.

Lifestyle Protection

Lifestyle Protection Insuranceprovides death and/or disability cover. Enjoy peace of mind with a Lifestyle Protection Insurance, which will assist you in maintaining your own and your family's lifestyle in the event of death, or if you are unable to work due to injury or illness.

Income and Asset Protection

We have a wide range of insuranceproducts for your car, boat, caravan, home & contents, travel, commercial, life insuranceand income protectionin the event that you are unable to work due to illness or injury. Do not take unnecessary risks. Intellichoice will be able to advise you on affordable and the best insurance option that covers you and offers you peace of mind should the unexpected happen.

Superannuation

Superis a great way to accumulate wealth and the government provides significant tax concessions to encourage us to fund our own retirement. Speak to one of our financial advisors about tax effective strategies to boost your super and still take advantage of government incentives, including salary sacrificing, co-contributions, salary packagingand more.

Salary Packaging Advice

Salary packagingallows you to structure your existing salary into a combination of take-home pay and a mix of approved fringe benefits that are paid out of your pre-tax salary. This effectively reduces your taxable income and ultimately, the amount of tax you pay.

Salary sacrificing

Salary sacrificingallows you to choose to have your employer pay some of your salary into your super account rather than receive it as take-home pay. This not only boosts your super fund, but also reduces your taxable income, and therefore, the tax that you pay.

Retirement Planning

Retirement planningneed not be a hassle. At Intellichoice Financial Planning, we can help you sort through the maze of superannuation and superannuationfunds. We can also offer you useful insights and tips on annuities, savings options, wealth creation strategies, allocated pensionsand any other information you will need to know for your transition to retirement.

Investment Services

Wisely selected investmentscan increase your wealth and even possibly provide you with an income. Our financial planners will work with you to formulate a strategic financial plan that meets your individual needs, your short, medium and long term goals, your current financial circumstances and the level of investment risk you are prepared to accept.

Property Investment

Whether you are looking to invest in your own home, or looking for opportunities to boost or diversify your portfolio through property investmentsin Australia (whether residential, industrial or commercial), Intellichoice can help you build your property holdings with a range of tailored property investment solutions.

Margin Lending

A margin lendingproduct allows you to borrow money to invest in securities and financial products. Depending on the product and the provider, these might include listed shares, fixed interestsecurities and units in managed funds. The money that you borrow is secured by the underlying investments

Debt Recycling

Debt recyclinginvolves not just paying off your mortgage, but recycling the debt and using it as an investment tool. Debt recycling means using the difference between the amount owing on your mortgage and the value of your house to potentially reduce your mortgage whilst building a sizeable nest egg.

Estate planning

Estate planningis more than just having a valid Will in place. A complete estate plan will determine who will make decisions on your behalf should you become unable to do so, ensure that your Will is executed in an orderly manner and ultimately provides you with peace of mind that your wishes will be carried out should the unexpected happen to you.