Asset management to advance your wealth

To advance your wealth you will need to invest in high quality assets that deliver the required rate of return over the long-term. Each investment asset class is distinct however and understanding how they differ and which is best for you is important to successfully creating wealth.

Retail Superannuation
Superannuation is likely to form a significant part of your retirement strategy. MOR will ensure your benefits are invested in an appropriate structure that maximises returns and investment options at an acceptable cost.

Shares & Managed Funds
Equity investments provide you with wealth creation based on the fortunes of corporations and companies both domestically and abroad. Ensuring you are purchasing into quality stocks and managers is vital.

Cash and fixed interest investments provide steady returns at the expense of capital growth, and form the defensive low volatility portion of investor’s portfolios.

Self Managed Super Funds (SMSF) 
SMSF’s provide for a range of investment options by allowing individuals to pool their superannuation benefits and invest in assets including geared direct property.

Property SMSFs
Have you ever considered buying an investment property through your superannuation with a bank loan? MOR Financial Planners can determine if it is the correct strategy for you, and guide you safely through the process from beginning to end.


Retirement Planning & Superannuation

Secure your financial future

The style in which you retire often depends on the amount of money you have to pursue the activities you enjoy, and the strategies you have in place to stretch your income. The earlier you start preparing for retirement, the more options you have to set a course that suits you.

Your super is a valuable asset and often the most important source of income for when you stop working. There are many strategies that you can use to boost your super and make the most of the tax benefits. MOR is here to help you develop a strategy that aligns with your plans upon retirement.


Risk Insurances

Protect your most important asset - your family

The most appropriate life insurance advice and strategy can only achieved through an in-depth understanding of our client’s needs and wants.

MOR Financial Planners provide certainty to clients in relation to finance required should they meet unexpected circumstances (temporary or permanent disablement, death or inability to work due to injury or illness).

This often includes providing for one or more of the following;

  • home loan debt repayment

  • investment property debt repayment

  • lump sum to provide for children’s education and care

  • lump sum or regular payments for the provision of home care

  • charitable foundations

Once we have determined the amount required, we then research providers options appropriate for their needs.


Estate Planning

Effective structures to effectively distribute your assets


An Estate Plan differs to a Will by covering many other aspects relating to the transfer of your wealth after you pass away. These include Family trusts, powers of attorney and the tax implications for beneficiaries.

In recent times, estate planning has become more important for those with complex family structures. By having an estate plan in place, you will help your beneficiaries avoid difficulties and disagreements by allowing you to:

  • stipulate the amount of ownership and control each of your beneficiaries has over your assets

  • reduce the tax payable on the income and capital gains earned on assets, and ensure your assets are protected if the beneficiary is involved in any legal difficulties such as divorce or bankruptcy.