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Estate planning is an important step in ensuring your affairs are in order. Understanding what you need to put in place may not be as clear-cut as you think. If you’ve considered estate planning, you’ve most likely examined putting a will in place. However, there’s much more to consider in devising your strategy. In conjunction […]

We’re already working to drive your financial wealth and now Apt can help you with your home and property loans. Property forms a significant part of our financial future. So it makes sense that Apt can provide property loans as part of your integrated financial plan. Whether you’re refinancing, looking at investment property, helping the […]

Whether it’s buying your first home, finding an investment property, or even helping your children into the property market, understanding the right financial approach to real estate is a life event that can cause stress and plenty of sleepless nights. Choosing the right strategy towards your property goals is crucial to your success. At Apt, […]

The end of a long-term relationship brings a variety of emotions, but in this highly turbulent time, your financial well-being cannot be overlooked. The decisions you make today regarding financial settlement, and how you manage your money following this settlement, can shape your financial well-being and that of your children, today, tomorrow and into the […]

You’ve spent your life accumulating your super and now you are nearing those retirement years you’ve been dreaming about. What happens now? How can you ensure that you are going to get the most out of your super?

If you want to reduce your working hours or pay less tax without sacrificing your cash flow, a transition to retirement pension could be the answer.

Superannuation is arguably the most tax-effective way to save for your retirement, as contributions and withdrawals are taxed at a concessional rate. But with so much jargon about the different methods of contribution limits and restrictions, it can be hard to know what’s best for you. We have put together a guide on the most common […]

Increasing life expectancy means more Australians and their families will need to consider aged care options. It’s not an easy choice, nor is it one made lightly.  At a time when emotions are riding high, the support of an experienced adviser can deliver significant value. Australia’s aged care system is complicated, and decisions often need […]

In terms of your household spend, it’s one of the most contentious charges we see today: The cost of childcare for Australian working families.

Self Managed Super Funds (SMSFs) are a great way to take control of your super investments, but with greater control comes more responsibility.  Do you have the time and knowledge it takes to maximise your return? We have the expertise and experience to guide you through the process, helping you research options and manage your […]