Financial Planning

Cooper & Associates Financial Services

The clock is ticking on your financial future

Cooper & Associates are the people you have known and trusted with your personal and business affairs for almost 30 years, so who better than us to look after your financial planning needs.

The team at Cooper & Associates Financial Services can partner with you to help you identify and shape your goals for the future. We give our clients sensible, straightforward advice in plain English and put a plan in place so that you can relax and focus on the important things in life.

Financial success is not an accident and it’s not about luck. It’s all about planning for the future and developing great financial habits along the way.

So whether you’re just starting out, recently started a family, buying your first home or approaching retirement, we will help you take control of your financial future. And the sooner you get started, the better.

Cooper & Associates Financial Services can offer advice on a wide range of financial needs, including:

Cooper & Associates Financial Services are a Member of Count Financial Limited, an Australian Financial Services LIcensee. Since 1980, Count has focused on partnering with Accountants to empower them to secure their clients’ financial future.

Grow Your Wealth

There are many types of investment vehicles to choose with Managed funds and Direct shares (listed equities) the most well known. We can help you find the options that suit you best.

Managed Funds

Managed funds pool the money of many individual investors and this money is then invested by a professional fund manager.

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Direct Shares

A shareholding is part ownership of a listed company. The shareholder receives dividends or income from their share investment.

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Term Deposits

Term deposits are a savings product from an Authorised Deposit Taking Institution such as a bank, credit union or building society. The money is invested for a fixed period of time at a fixed rate of interest.

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For more information or to make an appointment to see the Cooper & Associates Financial Services team, please contact us.

Plan for Retirement

A regular income stream during retirement is the goal for most. Planning ahead and starting as early as possible are the first steps. We can help you no matter how far along the path you are.

Superannuation

For many people, super is one of the best ways to grow your wealth, as it provides significant tax concessions to help you save for retirement.

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Pensions

An account based pension (or allocated pension) can only be purchased with your superannuation money and provides you with a regular income stream for your retirement.

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Self-Managed Superannuation Funds (SMSFs)

Self-managed superannuation funds (SMSFs) are a popular option for investors seeking greater control over their retirement savings.

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Estate Planning

Estate planning involves more than having an up to date Will. It is important to ensure that your assets are distributed in the most effective manner.

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For more information or to make an appointment to see the Cooper & Associates Financial Services team, please contact us.

Insurances

For most of us life is never smooth sailing, it is full of ups and downs. As we cannot predict the future insurance is a way of managing some of the risks of life for when things go wrong. Most Australians insure their homes and cars but have a ‘head in the sand’ approach to their most valuable asset – their life and their ability to earn income. We can help you get the insurance cover that best suits you.

Life

Life cover provides for the worst case scenario and pays a set amount when the insured person dies. It is also known as term life or death cover.

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Total and Permanent Disability (TPD)

Total and Permanent Disability (TPD) cover provides for the costs of rehabilitation, debt repayment and future costs of living if you survive a life event.

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Trauma

Trauma cover also known as ‘critical illness’ or ‘recovery’ insurance provides cover if you are diagnosed with a specified illness or injury such as cancer or stroke.

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Income Protection

Income Protection provides cover when you are unable to work due to sickness or injury and provides an income stream for an agreed period at an agreed amount.

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For more information or to make an appointment to see the Cooper & Associates Financial Services team, please contact us.

Budgeting

Do you want to build up your savings enough to buy the home you want or go on the holiday in the sun? Getting control of your money is the key. We can help you make the first step to achieving your goals.

Budgeting

It doesn’t matter if you have a little or a lot just starting is the key. Understand your daily money movements by tracking what you spend. Depending on you level of commitment you can either start with the estimates and build a truer picture with actual figures as time goes on, or for the really committed you can use your existing records to give you a starting point. The more detail you incorporate the more accurate the final budget will be.

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Saving

Saving for your goal (whatever it may be – holiday, house, car) is only achievable if you set an achievable and sustainable savings plan. Your budget will tell you how much ‘surplus’ cash you have available to put towards your goal.

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Managing Debt

These days it is easier than ever to borrowing money and it can quickly and unexpectedly become an unnecessary source of stress. Then trying to decide what debts to pay first, how to deal with debt collectors and when to consolidate debts seems all too hard to contemplate. There are various options for managing debt to bring it back under control.

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For more information or to make an appointment to see the Cooper & Associates Financial Services team, please contact us.

Lending

Being smart about your lending choices is based on knowing you. Credit can help achieve many goals: buy a new car; your dram home; have the holiday of a lifetime. We can help you stay in control and get the best deal for you.

Residential and Investment Property Loans

Real estate property loans (whether for your primary residence or an investment property) can be daunting for anybody. With hundreds of loans and options available it can be easy to get lost in the fine print.

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Commercial Loans for Business

With a variety of finance options available we can source finance solutions that are aligned with your overall business strategy. Whether you are seeking finance to grow your business, fund an investment, purchase a commercial property, refinance a commercial loan, or are simply seeking cash flow solutions, we can source the right finance for you. Talk to us today about finding the right solution for you.

Asset Finance

Your business may require specific specialised equipment and over time those items will need to be replaced. Whether it is a car or machinery, we can help. Inn order to take maximum advantage of your taxation position we can advise you on the most appropriate term, type of finance and loan structure type. Contact us today to discuss the best options for you.

Refinancing 

No matter how hard you try you sometimes have to rethink your decisions. It doesn’t matter whether you made a poor decision initially or if circumstances have changed, ignoring the situation never helps, so you need to periodically review your debts to make sure you are still in control.

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For more information or to make an appointment to see the Cooper & Associates Financial Services team, please contact us.