Financial advice is about establishing trusting relationships with our clients. The more we know about your financial situation, concerns, and aspirations for life, the more we can help.  

Build your retirement nest egg, tax effectively, via superannuation. 

Gianna has a wealth of experience in advising people about their superannuation as she worked for two superannuation funds, in addition to her experience as a financial adviser. 

So, she understands that regardless of your current stage, a well-thought-out superannuation strategy will, at some point, be pivotal in helping you achieve your retirement goals. 

Changes are continually being made to superannuation rules, meaning it is vitally important to consider superannuation as an investment earlier in your life, and ensure you are advised on appropriate ways to take advantage of all relevant opportunities to achieve your retirement goals. 

Gianna stays abreast of all rulings and regulations to ensure you don’t breach the rules and that you’re maximising your entitlements.  

Enrich your life with a plan that ensures you’re on track to retire comfortably 

• What would you like to do in retirement? How much will this cost? 

• Do you want to maximise the age pension? 

• Does investment risk and investment volatility worry you? 

• How long will your money last? 

• Will you need to downsize your home? 

During the 90min Discovery Meeting, we will discuss ‘what would make a great life for you in retirement’. We will explore where you would like to live, what you’d love to be doing, whether you’d like to learn anything and your legacy. 

By understanding your ‘big picture’ retirement goals, and their costs, Gianna can then personalise your retirement plan.

Whether you are keen to invest in property or Shares, we have the team of Investment Professionals and resources to help you achieve your investment objectives. 

• Invest a cash lump sum from the sale of property, compensation claim, redundancy or inheritance; 

• Helped people grow long-term wealth via a diversified transparent share portfolio, investing on a monthly basis; 

• Draw equity held against a home via a gearing strategy for tax-effective investing; 

• Invest retirement savings held in superannuation;  

• Setting up a portfolio to fund children’s future education needs;  

• Invest in a property at the coast which will one day convert into a retirement home; and 

• Purchased annuities for retirement income security.  

If you have a goal to invest in property, we will provide financial advice as to how property, as an asset class, impacts your overall financial and retirement goals. We will collaborate with a mortgage broker and introduce you to trusted property advisers. 

If you’re keen to invest in shares, we use professionally managed portfolios, EFTs, and Managed Funds, which include portfolio advice, establishment, and ongoing portfolio management via our ongoing review services.  

Tax

Tax strategies that Thomson Wealth may consider are: 

• Superannuation contributions; 

• Borrowing tax deductible debt to invest in shares and property; 

• Negatively geared property; 

• Invest within superannuation;  

• Tax planning for employee share schemes; 

• Invest in entities such as a family trust or a company; 

• Investment bonds; 

• Income protection; 

• Debt recycling; 

• Education bonds for children; 

• Transition to retirement strategies; and 

• Capital gains tax planning. 

The Family Chief Financial Officer Service includes collaborating with an accountant to ensure our recommended strategies align with your accountant’s tax advice and to assist with your annual tax return.   

If you’re on a posting overseas, for example with the Military, DFAT or Home Affairs, we help you make the most of your high salary to build wealth for your future. We have families paying off mortgages, building significant wealth and tax planning while on a posting and when they return to Australia.

Personal Insurances are commonly known as:

• Life Insurance

• Total and Permanent Disability Insurance

• Trauma Insurance

• Income Protection Insurance

You never know when your situation may change.  

We will take a closer look at your personal insurances so that you are prepared for life’s unexpected events.

We hold a copy of your insurance policy on file and can help your family with a claim.

For business owners, we also specialise in Business Insurance Protection Advice, such as Key Person Insurance, Ownership Protection, such as funding for Buy/Sell Agreements between business owners, and Debt Protection. Learn More.

Are you in the Military Super Scheme, PSS or CSS and you’re looking for a financial adviser who is an expert in these complex, defined benefit schemes?

Gianna worked for ComSuper (CSC) and the commonwealth superannuation branch at the Department of Finance for over a decade prior to becoming a financial planner. 

This industry experience has made her an expert in Commonwealth superannuation schemes, such as the PSSap, PSS, and CSS. Her expertise is often sought after by fellow financial planners and senior public professionals EL2 and above. You will receive the right advice regarding these complex superannuation schemes.  

Her industry experience at ComSuper (CSC) means she also understands the Military superannuation schemes DFRDB and MilitarySuper. 

Protect your business and family’s wealth

When Business owners are often so focused on building their business, they often neglect to protect the investment to ensure the survival of the business if something unexpected occurs.

Key Person Insurance, funding for Buy/Sell Agreements and Business Expense Insurance can help by providing lump sums if a key person or business owner dies or suffers a serious illness or injury.

Creating generational wealth involves establishing financial security and prosperity that can be passed down from one generation to the next. It includes strategies like wise investments, business succession planning, real estate, and financial education, ensuring that future generations have the resources and knowledge to build on this legacy.

By understanding and implementing these practices, families can achieve long-term financial stability and success, providing a lasting foundation for their descendants. Join us to learn how you can start building your family's wealth legacy today.

Earning good money but not sure where it goes? 

Cash flow management and Money coaching is integral to the Family CFO Service.

This service will provide you with the benefits of an organised cash flow system, so critical for personal financial success. You’ll understand where your money is going – and where it needs to go to help you achieve your ultimate life goals.  

Where financial advice is about long-term planning and life’s major financial decisions, money coaching is more about your cash flow and spending habits.