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Financial planning

Our financial planners provide the answers you need to help you feel financially secure. Our team will give your finances a full-service review you can trust.

Through education and tailored advice, we will develop individual plans to meet your goals and give you peace of mind.

We offer wealth building strategies which do the work for you by creating a tax-effective, growing income stream which could set you up for life.

We provide long term, ongoing advice to assist you in developing an investment strategy based on your wealth creation goals. This may include asset allocation, regular investing, lump sums and borrowing to invest.

Whether you want to be fishing, golfing, gardening or simply enjoying some down time, we can provide you with the best option for your needs. Our advice covers Super Pensions, Annuities, income streams, Centrelink and Aged Care strategies.

If you’ve long been dreaming about retirement, you may have heard about the benefits of salary sacrificing and superannuation contributions programs. We can advise you which options suit you best and help you to transition into retirement safely.

A Self Managed Superannuation Fund enables you to take a little more control of your retirement savings plan by actively making smart choices in consultation with an adviser. We can assist in establishing and managing a SMSF to help you reach your financial retirement goals.

If your family and way of life is the most precious thing you have, then your ability to go to work is what supports that. Something this valuable needs to be protected. We can advise on the best way to protect them from the impact of accident and illness through personal protection insurance including Life Cover, Total and Permanent Disablement (TPD) insurance, Income Protection and Trauma insurance.

Having the right structure in place first is vital before considering borrowing or debt recycling. We can advise on the structure you need to easily manage your accounts and provide the best opportunity for successful outcomes.

Most people think that having a Will is all that’s required for their assets to pass to their loved ones. But what about the assets that don’t pass into the Will, what happens then? An Estate Plan deals with all your assets to provide the best possibility your assets are distributed according to your wishes.

Estate planning protects your assets and your family for what’s ahead through the provision of advice for the management of Wills, Powers of Attorney and Testamentary Trusts.

Please note that any investment and insurance advice requested of the Directors of West Carr & Harvey will be referred on to West Carr & Harvey Financial Planning. Craig McKenzie and Jack McNamara of Income Solutions Australia Pty Ltd trading as West Carr & Harvey Financial Planning are Authorised Representatives of Australian Unity Personal Financial Services Limited ABN 26 098 725 145, AFSL 234459, 271 Spring Street, Melbourne, VIC 3000. Please note that Australian Unity Personal Financial Services Limited is not responsible for the advice and services provided by West Carr & Harvey Accountants.