Services

At ICT Wealth, we develop tailored step-by-step financial strategies and help you make informed decisions about your money.

If you’d like your money to start working for you, it’s time to learn about investing. Everyone has different needs and circumstances but there are some basics to consider. Of course, we recommend you contact us before you start putting your money into any form of investment.

Start by setting your investment goals. Since each investment will vary in its potential for risk and returns, you need to choose the right investments to help you achieve your goals.

Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.

Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.

Your employer must pay 10% of your salary into a super fund. This is called the Super Guarantee and it’s the law. The Super Guarantee will gradually increase to 12% in coming years.

Life takes twists and turns that we can’t always see coming. That’s why it’s so important that we are prepared for life’s emergencies. You don’t want to leave it to chance.

An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family.

Having the right insurances in place can help protect your family and your income if the unexpected occurs.

Loans can help you to own your home more quickly. They can also potentially magnify the return of investments. But loans need to be used wisely.

Getting a good interest rate is an important aspect of any loan. There are also other major issues to consider which can have an even greater impact.

Ownership structures, offset accounts, deductible and non deductible components, security linking, fixed vs variable rates, principal & interest vs interest only, loan to valuation ratios, and repayment timeframes, are all aspects it is important to get right.

Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.

We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.

Estate Planning gives you the peace of mind that the people you care about are looked after if something happens to you.

You should consider estate planning if you have assets, whether it’s a house, superannuation, investments and/or a business.

More than just a Will estate planning helps you arrange your assets so that your life savings end up in the right hands, at the right time.

Schedule a Call

In 15 minutes we can get to know you – your situation, goals and needs to see if we are the right fit to help you reach your potential.