Become Financially Prepared with Plutuss
At Plutuss, we offer the full range of financial planning services so that you can be financially prepared for the future you have always dreamed of.
Become Financially Prepared with Plutuss
At Plutuss, we offer the full range of financial planning services so that you can be financially prepared for the future you have always dreamed of.
Super and Retirement Planning
Whether you dream of travelling the world, focusing on your hobbies, or simply spending some quality time with your family, the sooner you start planning for your retirement, the better.
However, in order to enjoy the later parts of life without the burden of financial stress, you will need the assistance of an experienced financial advisor to steer you in the right direction. For most Australians, their compulsory superannuation will not be enough to support this kind of lifestyle.
With our guidance and support, you will have the money to live out your retirement in peace and comfort.
Making some key changes now, and actively managing your finances with retirement in mind, can make a massive difference to your superannuation balances and the quality of your retired life.
Talk About Retirement
Investment Advice
Profitable investment strategies are the key to generating and expanding the kind of wealth you need to achieve the lifestyle you have always wanted for you and your family. At Plutuss, we can help you choose the best investment markets to meet your current and future needs so you can achieve your financial goals.
Many people have the desire to enter the world of investing but find the idea of managing an investment portfolio stressful and complex. Others have a strong interest in learning how
to invest in the financial markets but don’t have the time to research and take advantage of profitable investment opportunities.
Whether your goal is to earn a steady income or to grow your capital, our team of experts have experience in constructing and managing client portfolios across the full spectrum of financial market cycles. We are well equipped to help make sound decisions in all market conditions, no matter how turbulent they may seem.
We cut no corners in researching the best investments globally, and construct strategies that have a proven track record of getting our clients attractive returns. Our specialist knowledge and expertise, combined with our passion to build and manage an investment portfolio, will help you find success in the investment market so you can start to build the wealth you have always dreamed of.
Get Expert Investment Advice
Insurance Advice
At Plutuss, we understand how hard Australians work to accumulate wealth and create assets to provide a comfortable life for themselves and their families. However, too many of us decide to avoid essential insurance and live by the mantra “it won’t happen to me”.
After all, insurance is there to provide financial protection in the event of devastating events such as a permanent disability, critical illness, or the passing of a loved one.
More than half of Australians have no life insurance. As a country, the population is similarly underinsured for other potential life-changing events – disability insurance, income protection, or cover for critical illnesses.
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance[1].
What would you do if your income, or ability to earn, was suddenly taken away without warning? While most people have insurance cover for their homes and motor vehicles, only a few of us have properly considered the potentially destabilising consequences of an unexpected injury, illness, disability or death in the family. These are the events that can destroy most wealth accumulation plans.
A good financial plan must consider the below mentioned insurances in light of the cost-benefit trade off.
● Life cover– also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
● Total and permanent disability (TPD) cover– covers the life insured for costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
● Trauma cover– provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance. Trauma cover can only be held outside of super.
● Income protection– replaces the income lost through your inability to work due to injury or sickness.
At Plutuss, we use our vast industry experience, expert judgement and professional relationships with leading Insurance Providers and underwriters to manage all your insurance matters, from the establishment of insurance policies through to the processing of claims. We also offer an annual review service so your level of cover continues to meet your changing needs.
Plutuss is here to help. We can ensure that you have the best cover to protect yourself and your loved ones from the worst of circumstances
Self-Managed Superannuation
More and more Australians are choosing to self-manage their superannuation. Doing so gives you the flexibility to choose your own investments and have better control over your superannuation benefits. While going down this path can be very appealing, it also comes with a lot of responsibility.
It’s true, a self-managed superannuation fund has many advantages, but it also requires skill and knowledge to properly set up and maintain over a long period of time.
When you establish a Self-Managed Super Fund (SMSF), you become the trustee of that fund. A trustee must manage their fund according to the trust deed, which includes specific laws and rules surrounding the operation of SMSFs. As most people don’t have thorough
knowledge of what this actually entails, our expertise and assistance arms you with the confidence that your fund responsibilities are being met.
At Plutuss, we discuss the various risks and advantages of a SMSF and whether this structure is right for you. We explore your risk preferences, which market(s) you have an interest in, and provide you with individual investment strategies as well as estate planning advice. Plutuss can even take care of all the setup and ongoing regulatory requirements associated with self-managing.
Once you have properly established your SMSF, you will be in a position to truly reap its benefits.
Wealth Protection
Plutuss can help you to plan for the unexpected. You have worked hard to generate the wealth and assets that you currently own, so now it’s time to be proactive in protecting all that you have built up and ensuring your estate is passed on to your loved ones in line with your wishes effectively.
As part of our wealth protection services, we offer expert advice on estate planning and in partnership with accounting and legal professionals, are able to help you with ensuring your will is current and comprehensively drafted, Reviewing if a family trust structure is appropriate for you, structuring your assets in a way that is most tax effective to pass on to your loved ones, identifying the right structure to pass on a family business, or dealing with capital losses and capital gains.
Plutuss isn’t just about protecting your wealth, but your life and legacy as well.
Debt Management
It’s natural for us to worry about money. Many of us have dealt with financial stress and uncertainty at some point in our financial journey which can be an absolutely devastating position to be in.
Whether your problems stem from a loss of work, rising debt, unexpected expenses, or a combination of factors, financial burden is a stress unlike any other, but there are ways to manage it.
Structuring your finances to minimise ‘bad’ debt and capitalise on ‘good’ debt is essential for assuring your financial security.
Our experienced team can help you organise your finances to reduce the amount of bad debt you owe while designing strategies to accelerate wealth and optimise the use of your surplus cash flow.
By engaging with our debt management services, you can unburden yourself of the weight of financial stress. With this new freedom, you can focus more of your attention on the things that matter, instead of constantly stressing about having to pay off debt.