One of the best things Rise Financial can assist you with is understanding what your financial future looks like. We do this by taking all the components of your financial situation, and graphically present this to you, so you can be “put in the picture” of what your financial situation means. We believe this is an extremely useful tool for individuals to have financial control, so that you can confidently know whether you are on track to achieving the income in retirement you desire, know when you will have your mortgage paid off, know whether you can afford to buy that new car, take that holiday or put in that pool, and importantly, know when you should comfortably be able to retire. With this information, you should be able to comfortably go to sleep at night knowing that you will RISE FINANCIAL in the morning.

When allowing for a number of assumptions including inflation, investment return, tax rates, interest rates and aged pension entitlements as we know them today, we can model almost any situation, tax accurately. A projection can include components such as:

An individual or couple, each with different retirement dates,
Existing salary and wage income,
Superannuation or Comsuper pension income,
Cashflow surpluses or deficits,
Superannuation entitlements and contributions including superannuation guarantee, salary sacrifice, self employed and personal,
Personal investments including savings plans,
Investment properties,
Lump sum expenditures before retirement or during retirement,
Personal debts and mortgages, and
Entitlements to any aged pension.

An example is below:

Rise Financial understands that not everyone needs the same information, and everyone’s situation is different. As such, Rise Financial has a number of financial planning services to assist people in gaining financial control. With most people not understanding where they are heading financially, then a Financial Projection can give people confidence to know whether they are on track to achieving a secure financial future. If you have a specific decision that you wish to compare to your current strategy, then a What if… Strategy Analysis can help you understand whether that decision is projected to be beneficial for you. Or, where someone is not on track to achieving their objectives, or they would like to know whether they can improve their financial future, then a Strategic Financial Plan can allow Rise Financial to work out whether a more secure outcome can be achieved using the many financial planning strategies available. A summary of these services follow with the relevant costs for these services in the Fee For Service Table under the “How To Use Us” tab on our website:

Financial Projection

This projection is specific to helping an individual or a couple in understanding what retirement spending they are heading for using their existing superannuation, existing non-superannuation investments, the use of any available cashflow surplus and the repayment of personal debts such as mortgages.
This projection is based upon understanding the expected returns from their existing superannuation and non-superannuation investment selections, the contributions going into superannuation from their employer under super guarantee or salary sacrifice, utilizing an allocated pension during retirement to provide a tax effective income stream and drawing upon any other savings or investments during retirement.
The anticipated retirement spending can be calculated in after tax figures (including capital gains tax when drawing down on non-superannuation investments) and in today’s dollars, and incorporate any entitlements to any aged pension, under the rules as we know them today.

What If… Strategy Analysis

This analysis is specific to helping an individual or a couple in understanding what retirement spending they are heading for using their existing superannuation, existing non-superannuation investments, the use of any available cashflow surplus, the repayment of personal debts such as mortgages and comparing your current financial projection to a specific alternative, to determine whether there is a projected benefit to you knowing that all tax effects, interest rate effects, investment return effects and cashflow effects are taken into account.
Possible scenarios to consider assessing the expected change could include; whether you should accept a redundancy offer, purchase a rental property or other investment option, salary sacrifice a certain amount to superannuation or whether you can afford to renovate your home.
This projection is based upon understanding the expected returns from their existing superannuation and non-superannuation investment selections, the contributions going into superannuation from their employer under super guarantee or salary sacrifice, utilizing an allocated pension during retirement to provide a tax effective income stream and drawing upon any other savings or investments during retirement.
The anticipated retirement spending can be calculated in after tax figures (including capital gains tax when drawing down on non-superannuation investments) and in today’s dollars, and incorporate any entitlements to any aged pension, under the rules as we know them today.

Strategic Financial Plan

This plan is specific to helping an individual or a couple in understanding what retirement spending they are heading for using their existing superannuation, existing non-superannuation investments, the use of any available cashflow surplus, the repayment of personal debts such as mortgages and applying any financial planning strategies currently available to maximize their retirement income.
This projection is based upon understanding the expected returns from their existing superannuation and non-superannuation investment selections, the contributions going into superannuation from their employer under super guarantee or salary sacrifice, utilizing an allocated pension during retirement to provide a tax effective income stream and drawing upon any other savings or investments during retirement.
Further, this plan incorporates the use of any financial planning strategies available which may be beneficial in your situation, such as negative gearing (using borrowed money for investment purposes) or salary sacrifice to superannuation, to name a few. • Again, the anticipated retirement spending can be calculated in after tax figures (including capital gains tax when drawing down on non-superannuation investments) and in today’s dollars, and incorporate any entitlements to any aged pension, under the rules as we know them today.

Note that these services are provided to give you an understanding of what your financial future looks like, and this service can be provided on an ongoing basis. Rise Financial can also assist you in achieving your financial objectives by implementing where required any investment or superannuation plans, personal insurance policies, investment loans or mortgages, all on a fee for service basis. This means that any initial or ongoing commission that would be paid to Rise Financial by the product provider is rebated back to you in the form of additional investment units, lower insurance premiums or lower interest rates on loans. The only fee Rise Financial receives is what you pay to Rise Financial directly.