Rise Financial is in the business of providing financial advice to those who are prepared to take financial control.

Typically clients will contact Rise Financial when the following situations occur:

1. You want to understand your current financial position better.
2. You have been managing your own financial situation for many years and you would like an opinion from a financial planner on the strategies and investments you are currently using.
3. You have an existing financial adviser and you would like a second opinion on the strategies and investments you are currently using.
4. You are looking ahead to retirement and want to understand what your financial future is projected to look like (ie achieving all of your financial objectives such as paying off the mortgage, having regular overseas holidays and car upgrades, and understand how much you are projected to be able to spend each year during retirement) based upon reasonable investment assumptions for the future.
5. You want to explore the various financial strategies that may be available to you to maximise your financial situation, such as salary sacrifice to superannuation, adopting a negative gearing strategy, taking advantage of the Government superannuation co-contribution, investing existing assets to target greater long term returns, to name some common strategies employed.
6. You want to understand whether you should be using your existing superannuation fund better, such as contributing to it in a different way (ie Comsuper funds such as the CSS, PSS, DFRDB and MSBS) or changing investment options.
7. You are currently paying off a large mortgage and feel like you are going nowhere financially, and you would like to explore other wealth creation options that may be employed at the same time.
8. You are considering upgrading your home or renovating it, and you want to understand whether you would still be projected to have your higher mortgage paid off by retirement and still have a comfortable level of spending in retirement.
9. You would like to understand some sensible ways of financially supporting your children while still making sure that you are not jeopardising your own financial security in retirement.
10. You are considering changing jobs and you want to understand how the change in salary will impact upon your cashflow and your financial future.
11. You have good cashflow and have paid off your mortgage and you want to understand the best ways to use future surplus cashflow, ie direct to superannuation as personal contributions of via salary sacrifice, do you use the funds to pay the interest on a loan to purchase an investment outside of superannuation such as a rental property or a managed fund, or do you simply direct cashflow to a savings account.
12. You are being offered a voluntary redundancy from your employer and you want to determine whether you could afford to accept it and whether this is projected to be an opportunity which is beneficial for you.
13. You are about to receive an inheritance and you want to understand the best way to use those funds, ie pay off the mortgage, contribute funds to superannuation, purchase an investment outside of superannuation such as a rental property or a managed fund.
14. You are looking to simplify your financial situation and want to explore the best ways of doing so while minimising any capital gains tax payable upon any asset sales.
15. You are selling a business to retire and you want to explore how to do this tax effectively and understand the best place for your sale proceeds to be invested.
16. You are planning to retire from your business and you are wanting to explore implementing a succession plan to hand over the business in a way that keeps the business going and you receive a fair value for the sale of the business.
17. You are currently, or are going to be, an Australian ex pat (non-resident of Australia for tax purposes) and you are interested in understanding how to take advantage of the particular tax rules that are applicable to you which can allow you to benefit financially from some sensible investment strategies.
18. You are considering financial separation and you would like to explore how various assets splits and assets mixes are projected to position you for, and contribute to, your financial security in the future.
19. You are going through an amicable financial separation and you would like to explore how various assets splits and assets mixes are projected to position you for, and contribute to, each of your financial security for the future.
20. You want to understand whether salary packaging would be beneficial in your situation, such as packaging a fully maintained novated lease for a car, superannuation or personal expenses like the mortgage (for staff of Charities or Public Benevolent Institutions).
21. You want to explore whether your financial situation is unnecessarily exposed to risks from being under insured with personal insurances such as death cover, total & permanent disablement cover, trauma cover and income protection cover.
22. You want to explore whether your financial situation is unnecessarily exposed to risks from not having an up to date estate plan including wills, enduring powers of attorney and superannuation death benefit nominations.