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James provides a flat-fee quote based on the complexity of your situation, such as whether you have existing trusts or multiple investment properties. This fee is disclosed upfront during the discovery call, so that there are no hidden costs before you begin the planning process.
Default cover inside super is often capped at low levels and may not cover your full mortgage or your family’s long-term cost of living. We audit your existing policies to ensure the definitions and cover amounts match your actual financial requirements in the event of a claim.
A Family Trust provides flexibility in how investment income is distributed among family members, which can lead to lower overall tax. It also offers a layer of asset protection. James analyses your family’s income profile to see if the tax savings outweigh the setup and accounting costs.
James looks at several mechanisms, including salary sacrifice, personal deductible super contributions, and the use of investment structures that allow for dividend imputation credits. For high earners, these strategies can greatly reduce your effective tax rate.
This is determined by comparing your mortgage interest rate against the projected net return of an investment, adjusted for tax. James uses debt recycling to achieve both, using investment earnings to pay down the home loan faster while building a separate growth portfolio.