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Retired

Retirement is a concept that says that, at a point in time, you are entitled to stop work, relax and do whatever you didn't have time to do when you worked.

For most of us though the thought of retirement is daunting. How much to I need to retire on? Do I have enough in Superannuation? What is my business worth if I was to sell? How will we manage if the children want to run the family business - can we cope financially? What will I do everyday - I have worked since I was 16 and don't know how to stop?

For those already in retirement the questions often change and become - Do I have enough invested if the market keeps changing? What if there is a health scare? Can I afford to help the children now or go on that holiday?

At Cyre Partners we believe there are three pillars to the retirement strategy.

1. Maintaining Current Value - this looks at your current portfolio and how it is positioned.

2. Maximising Future Value - this looks at ways to increase your wealth over time.

3. Personal Readiness - this considers your personal and family environment and what strategies may be implemented now to plan for the future. This is more than just Estate Planning but considers what you might do with all that extra time.

Depending on your current circumstances (i.e. self employed, PAYG income earner, on a pension or just starting out) the strategies will differ but Cyre Partners, along with our wealth management team at Yellow Brick Road - Tamworth, can help build a secure platform so you can enjoy what you have worked so hard for.

Fees

The fees for Retirement and Wealth Management services are dependent on what services are needed and who will be providing them. For most of the Services we offer we prefer to start with an obligation free face-to-face meeting to discuss your specific circumstances and then develop a plan that suits your specific needs.

Our Services



Estate Planning & Inheritance

As unpleasant as the task is, estate planning is one of the necessities of life. Knowing your hard-earned assets will be dealt with in the manner you choose provides peace of mind.

For business owners, a plan for succession of ownership is essential. We can guide you through the process of providing for business continuity.

The executor and trustee of a will are required to perform a number of duties. At Cyre Partners we are experienced in estate planning and can guarantee no deviation from the succession plan for your assets.

The areas in estate administration that we can assist with include:

  • Meeting to discuss objectives for your estate
  • Confirming assets - Valuations, inventories, and appraisals
  • Court approval for a grant of administration
  • Documentation involved in estate planning
  • Protecting the assets
  • Paying taxes and debts
  • Estate distribution



Financial Planning

Financial planning involves developing comprehensive, effective strategies to strengthen your financial security and ensure your financial goals can be met. These strategies provide a separate source of income to your business or employment income.

Our qualified, experienced team can discuss your financial options with you and provide a three-stage service in financial planning that includes:

  • Initial financial advice
  • Implementation of a financial plan
  • Ongoing investment portfolio management

A variety of investment options are available, including corporate bonds, term deposits, Real Estate, Australian and overseas shares, and managed investment funds, to name but a few.

Don't take unnecessary risks with your future! Allow the professionals at Cyre Partners, together with our team at Yellow Brick Road - Tamworth guide you towards achieving your financial goals.



Financing

A wide range of financing options exist each with their pros and cons. At Cyre Partners we know the financial market and have the experience to assist you in securing the best financing option for your personal and business goals. Our experience in the market means we can also structure debt upon acquisition to maximise tax advantages.

Let our experienced team explore the best financing options with you to get your business closer to its goals!



Insurance

A multitude of risks exist in today's environment. At Cyre Partners we pride ourselves in our ability to have access to quality insurance providers including motor vehicle, sickness and accident, home and contents and loan protection products.

Call us to request a quote today.



Portfolio Management

The experts at Cyre Partners offer a portfolio management service that makes handling your investments easy! We provide the people, tools, and methods you require to effectively manage your investment portfolio.

Your portfolio manager keeps abreast of the changes in the investment market, saving you the trouble of doing the research yourself. You maintain control of your investments while eliminating unnecessary risks and delegating the everyday tasks and complex decisions to your experienced investment manager.

At Cyre Partners we design and manage portfolios with your individual requirements and objectives in mind. This means your investments are handled in the most efficient manner possible and ensures your goals are met.

Contact us today for specialist assistance with investments!



Rental Property

At Cyre Partners we have the expertise required to assist you in a variety of areas relating to residential and commercial property.

The services we offer include:

  • Advice on purchasing a property
  • Reviews of lease agreements
  • Advice on funding
  • Guidance in tax minimisation
  • Advice on ownership structure
  • Periodic reviews to ensure returns are maximised

The importance of forecasts in making a residential investment cannot be emphasised enough. We can provide you with forecasts for:

  • Revenue returns
  • Financial position
  • Potential growth

Contact us today for more information on how we can assist you in the business of rental properties!



Self-managed Superannuation Funds

There are several trust laws and legislative requirements for setting up a self-managed superannuation fund (SMSF). Typically you need to:

  • Obtain a trust deed
  • Appoint trustees
  • Sign a trustee declaration (NAT 71089)
  • Elect to become a regulated fund
  • Obtain a tax file number (TFN)
  • Obtain an Australian business number (ABN)

At Cyre Partners we provide the professional advice you need to set up your own fund and greatly simplify the process for you. 



Succession Planning

To ensure the long-term success of your business, it is critical to establish a well-designed succession plan. Coordinating the transition of your business to your successors can be an arduous process. However, with our years of experience we can address the complex issues of business continuation, removing the stress from your shoulders.

Contact us for more information on forming a plan that facilitates a hassle-free continuation of your business!



Superannuation

As the Government encourages Australians to take responsibility for and reach their financial retirement goals, citizens are repeatedly required to deal with superannuation funds.

Superannuation law is a delicate area and personalised planning is required for each individual. The team at Cyre Partners are superannuation experts who can assist in establishing a superannuation fund that will effectively enable you to reach your financial retirement goals.

Services we offer include:

  • Advice on compliance matters
  • Advice on taxation benefits
  • Advice on employer obligations
  • Advice on retirement strategies*
  • Establishing self-managed superannuation funds (if suitable)
  • Superannuation taxation returns and audits

* in consultation with our Yellow Brick Road Tamworth branch



Trusts

A trust provides a valuable way to protect the assets you have accumulated for the benefit of others. Our extensive experience with trusts enables us to offer specialist advice on trust formation and ensures all statutory requirements are met. Obligations for trustees can often be onerous, and our assistance in trust administration can prove invaluable. We can assist with:

  • Preparing and executing the vital documentation required for trust formation
  • Attending to the special requirements involved in reporting for trusts
  • Completing the trust administration:
    • Minute-keeping service
    • Annual accounts
    • Taxation
    • Asset management
    • Investment monitoring
    • Income distribution

Contact us today to ensure your trust is formed and administered as effectively as possible, covering all legal requirements and guaranteed to fulfill its purpose!



 

Contact us now by phone or by using our appointment / enquiry form for more information.

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