Retirement planning

The key to a successful retirement is careful planning

Retirement means many different things to different people. For some, it could mean spending more time with family, friends or travelling. While for others, it could mean pursuing a neglected passion, starting a small business, or volunteering.

Regardless of what retirement looks like to you, the key to making your ideal version of retirement a reality is to plan, save and invest carefully before you reach your retirement years.

A key consideration is to ensure that your retirement savings last as long as you do, and that the lifestyle you imagine in retirement is one that you can ultimately afford. This requires a considered, methodical approach and a thorough assessment of your financial resources and accumulated assets as you near retirement.

At Turner Wealth, we are retirement planning specialists and have helped many people just like you to plan, look forward to, and eventually enjoy a secure, comfortable quality of life in retirement. It is what we do well.

Even if you feel you may have left it a little too late, it is never too late to get started.

To find out more about our approach to retirement planning, and how we can help you please contact us or view our Retirement Planning eBook here.

Investment advice

For investors that value expert advice

Despite the often-volatile nature of investment markets, investing remains one of the most effective ways to grow your wealth over the long term.

Too many people make poor investment choices based on bad advice, coverage in the media, or emotional impulse decisions when markets experience a sharp downturn. An imprudent decision in the short term can have a detrimental effect on your investment portfolio over the medium to longer term.

At Turner Wealth, we believe that investing is not speculating. To be a successful investor requires a disciplined approach and an investment strategy that is customised to your individual goals, objectives, and requirements.

We design investment strategies that are based on a thorough understanding of your circumstances, attitudes, and objectives. And we only proceed when you are entirely comfortable with the investment strategy we recommend.

To find out more about our approach to investing, please contact us  or view our Introduction to Investing ebook here.

Responsible investing

Profiting from the sale of tobacco products, weapons, fossil fuel production or gambling is not something that would sit comfortably with many people, yet the reality is that sitting within the superannuation and investment assets of many Australians will be investments in industries that are inconsistent with their personal ethics or values.

In these enlightened times, more and more people are realising that it is possible to invest in ways that are consistent with their personal values, social and environmental concerns without sacrificing long-term returns. We are seeking out better ways to invest, to generate strong returns, but also to avoid doing harm.

At Turner Wealth we believe that responsible investments and sound financial returns do not have to be mutually exclusive.

While our financial advisory services are wide-ranging, we are passionate about responsible investing and developing effective strategies that align with our client’s personal values as well as their investment goals.

To find out more about our approach to responsible investing, please contact us.

Superannuation and SMSFs

Making your superannuation savings work for you

While it may not seem like it yet, your superannuation savings or ‘super’ as it is more commonly called, is likely to be your greatest asset (aside from the family home) as you approach retirement.

However, many people overlook the importance of superannuation and the role it plays in growing your retirement nest egg. For instance, those who pay little attention to their superannuation fund, may find that their superannuation savings are held in the default (or balanced) option, which may not be ideal for their circumstances, retirement goals, or what we call your “tolerance towards risk.”

This could mean reaching retirement age with less money in your super fund than you may have otherwise accrued had the investments been more appropriately structured according to your needs, situation, and objectives.

At Turner Wealth, we understand the complexities of the superannuation environment including self-managed superannuation funds (SMSFs) and can help structure a superannuation strategy that is right for you.

To find out more about our approach to superannuation, please contact us or view our ebook here.


The protection you need, the peace of mind you deserve

An unexpected illness, injury or worse is not something we like to contemplate, however should the unexpected happen it can be reassuring to know that you have done everything you can to protect you and your loved ones financially.

Unfortunately, many Australian households are under-insured or have insurance cover that is not suitable for their needs or circumstances. This can place unnecessary strain on the family in the event of an unexpected illness, injury, or death.

At Turner Wealth we believe that insurance is the cornerstone of a sound financial plan. As part of our holistic approach, we will discuss various types of insurance cover that we feel may be suitable for you based on your circumstances and obligations as we understand them to be.

It is all part of our duty of care to ensure that you and those you care for are adequately protected should the unexpected strike.

To find out more about our approach to insurance, please contact us or view our Understanding Insurance ebook here.

Aged care

We can help you to navigate the complexities of aged care

The prospect of moving from the family home into an aged care facility can be an emotional and unsettling experience for the individual concerned and their adult children.

The loss of independence, the emotional upheaval and the financial implications can feel overwhelming. When the time comes, there are often significant financial decisions that must be made in a short period of time which can make the situation more stressful.

Aged Care is a complex area with many factors to consider including the decision as to whether to sell the family home.

At Turner Wealth, we understand the complexities of the aged care system including the various options for in-home and residential care, associated costs, payment options, and government support.

We can provide you with an overview of the options available to you in an environment that is supportive, compassionate, and respectful of the wishes of all concerned.

To find out more, please contact us.

Estate planning

Securing your wealth for your dependents 

A legal will is a legally binding document that outlines your wishes regarding the distribution of your assets upon your death. While a will is important, it is only one aspect of the estate planning process. An estate plan is a detailed set of documents that can involve your will, trusts, powers of attorney, life insurance, beneficiary designations and property ownership.

An effective estate plan aims to maximise the value of the estate by reducing taxes and expenses while providing clarity around your wishes.

One key difference between a will and an estate plan is that an estate plan is a comprehensive plan that includes documents that are effective during your lifetime whereas a will only takes effect at the time of your passing. Together these documents outline who has the power to make healthcare and financial decisions on your behalf during your life, and who receives your assets at the time of your death.

With our guidance, we will take you through everything you need to consider and ensure you have the things most important to you covered.

To find out more about our approach to estate planning, please contact us or view our Estate Planning ebook here.

Financial Advice for Not for Profit Groups

Helping NFPs and other charitable organisations with sound investment strategies

Not-for-Profit (NFP) organisations play an essential role in our community. Whether it’s in areas of social services, animal welfare, education or medical research, a vibrant NFP sector is the sign of a healthy community.

At Turner Wealth, we recognise the valuable contribution of NFP organisations and understand just how important financial management is when making sure every dollar is put to good use for the benefit of the community.

We presently help several charitable organisations expertly manage their endowment investments through sound investment policies and strategies to protect and grow their funds and provide future income.

Through our research team we can help with determining your risk profile and the appropriate strategic asset allocation that meets the desired outcome. As well as implementing investment decisions we will provide regular and comprehensive investment reporting and investment insights tailored to the needs of the organisation.

To find out more about our approach to charitable investment strategies, please contact us.