Wealth Creation

At CMA Financial Services we will take you from where you currently are to being able to achieve your goals whether they be lifestyle or financial. The important part of creating wealth is to have a goal or goals that you wish to achieve with in a certain time frame. Once we have your goals in place then it is a matter of developing a strategy to help you achieve these goals.

We will take you from the first step of budgeting all the way through to making investments in the different asset classes. With our personalized service you will learn what the different asset classes are and how they can contribute to a well diversified portfolio of investments.

The important thing to remember is that a Plan without a Goal is seldom adhered to and a Goal without a Plan is seldom achieved.

Retirement Planning

Recently retired or soon to be retired? Not sure of what to do to make the most of your money? CMA Financial Services are happy to discuss your options with you to maximize the amount of money you have to live on in retirement.

Whether it be from receiving an Allocated Pension or Annuity to being able to access the Aged Pension we can help. Depending on the assets that you own you can more than likely set up an Allocated Pension and also receive some form of Aged Pension.

With the backing of Professional Investment Services we have some of the best people in this field to answer any sticky questions that you may have. This will ensure that you get the best advice for a long and happy retirement.

Superannuation

Ever wondered how much superannuation you will need to retire on or for that matter how much superannuation you will end up with at retirement? At CMA Financial Services we will work with you to work out what income stream you will need to live on in retirement and for how long. From here it is then a matter of working backwards to see how much you will need at retirement to be able to achieve your desired lifestyle.

Once we know how much you are going to need we can then see where you are currently at with your superannuation and what you need to do to achieve the desired result. This may involve salary sacrifice or voluntary contributions so as to be able to access the Government Co Contribution.

It is important to remember that Superannuation is one of the most tax effective investments that you will make.

Tax Effective Investments

Do you have a capital gain to pay or just paying too much tax through your earnings? Let us show what investments are in the market place to help to lower your tax bill. At CMA Financial Services we will take you through the myriad of different products in the market place and also different strategies that can be use to lower the amount of tax that you pay.

Salary Packaging

you making the most of what is available to you through salary sacrifice arrangements? Whether it be putting extra into your superannuation or packaging a car, we can show you the benefits of salary packaging for any situation.

If you do not work for the State Government we can look at the advantages of Salary Sacrificing your superannuation and show you how this can impact your take home pay and superannuation at the end of the day.

Mortgage Elimination

Ever wished you could be rid of your mortgage? Let us at CMA Financial Services show you how you can take years off the life of your loan. We will explain the different strategies that can be used and work with you to find the strategy which best suits your current situation.