How confident are you that your retirement strategy is focused on achieving the right outcomes for you and your family? Do you have multiple funds? What are you paying in fees? Failing to put in place an effective superannuation strategy is a key reason why people do not realise their potential when it comes to creating wealth.

Whether to invest in retail funds, your employer superannuation plan or run your own self-managed solution is a key consideration.  Regardless of the choice of entity, we ensure your superannuation is invested in the right manner to maximise your desired outcome. We also make sure that the investment selection itself is as good as it can be.

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Are you invested in the right products? Are you paying too much for them? Is your portfolio suited to your risk profile? Is your portfolio positioned correctly to reflect the current and future market cycle?

Our investment methodology is built on the premise that a ‘set and forget’ strategy will not lead to the best possible performance outcomes. This strategy, whereby portfolios are structured according to an asset allocation target and are then left to move up (and down) over time with little or no adjustment can be favourable when markets are on a constant growth trajectory. But as we know this is hardly a reasonable (or likely) assumption about markets; just ask every investor who has ridden the highs of 2007 to the lows of early 2009 and along the volatile road ever since.

What’s certain is that markets might go up, they might track sideways and they might even go down. Our task at Sofcorp Wealth is to construct and manage your portfolio to ensure it is well-placed to perform to achieve a risk-adjusted return in line with your expectations — irrespective of what stage we’re at in the economic cycle.

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We review your insurance and seek efficiencies and appropriateness for you.

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Personal estate planning is the planning of how assets within an extended family unit will be dealt with in the event of death or loss of capacity for decision-making. This commonly includes Wills, Enduring Powers of Attorney, and Binding Death Benefit Nominations.

With the more recent changes to the Succession Act in most Australian states, the rise of estate disputes has highlighted the lack of adequate personal estate planning structure most families have in place. Beyond issues of entitlement, appropriate estate planning measures within a family unit can have a profound and long-lasting effect on the risk and tax management of the assets of the family.

We can build a comprehensive estate plan that addresses your individual family circumstances as well as encompassing areas that are uncovered in our review of your financial blueprint.

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Your ability to earn income and how you manage it is the lifeblood of your wealth plan. Your cash flow must be managed to ensure efficiency and contribute to your wealth creation strategy.

We review your cash flow and work with you to manage cash flow for today as well as tomorrow.

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For most people, debt is an essential part of their wealth plan, but not all debt is good. The key is to identify your inefficient debt from your efficient debt and develop a strategy to manage both.

We review your debt and leveraging, how much you have, how much you are paying off, how much exposure you have, whether is it tax effective and how much is it costing.

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