Paradigm Principle

Our Services

Superannuation

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.

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

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 Paradigm Principle, 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’s what we do well.

Even if you feel you may have left it a little too late, it’s 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.

Investment advice and planning

For investors who 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 Paradigm Principle Financial Planning, 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.

Investment Portfolio management services

Optimising your investment strategy returns

Managing an investment portfolio today is a serious responsibility, and the ever‑increasing complexities of the taxation system make accurate record keeping essential.

Our investment portfolio management services are ideally suited for those who require intensive management of their portfolio but prefer not to be involved in the day-to-day administration of their investments.

Our clients receive regular portfolio performance reports as part of this service, and we’ll meet with you on a regular basis to discuss and review the performance of your investments.

This also provides the opportunity to review your personal circumstances and to make any modifications that may be required to ensure your investments remain on track to achieve your goals and objectives.

To find out more about our investment portfolio management services, please contact us.

Risk Insurance and asset protection

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 underinsured or have insurance cover that isn’t 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 Paradigm Principle we believe that insurance is the cornerstone of a sound financial plan. As part of our holistic approach, we’ll 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’s 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.