“It wasn’t until we met Ben and Stef that we found out that our life insurance was nowhere near adequate. It was not going to cover all the things we needed it to, especially with children. It was an eyeopener. I’m so glad that we met them when we did!
Now we can sit back and let the team do what they need to do… there’s much less stress and worry on us.”
Steve and Gayna White“I had a lot of shares… but the market goes up and down and I didn’t have the time or the expertise to sit watching the sharemarket. I wanted to do other things. You can’t expect to be following financial markets all the time to pick the peaks … I’d most likely pick a trough!
We felt it was much easier to get someone else with expertise to help us.”
Coral and Ken Woodfull“Since my initial meeting with First Financial – David Pitt and Adela Ngai, I have been expertly advised and assisted. I had been in a space with high accountancy fees and no forward planning. I now feel far more relaxed and feel confident that the advice I receive will stand me in good stead in the future.”
Wendy Pullar“Thank you so much for all your help and expertise with the organisation of our financial situation. Thank you also for your ongoing work and support for me to secure a comfortable financial future.”
Christine McClureFirst Financial is a leading, Melbourne based, Australian owned wealth management firm specialising in financial planning and superannuation management. Each client’s unique circumstances and attitude form the foundation for tailor-made plans. We are large enough to have our own Australian Financial Services Licence (AFSL). Our Investment Committee is a specialised and talented group of planners with a phenomenal track record. A long standing, in-house training program breeds advisers with First Financial ethics, principles and values flowing through their veins.
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While most financial planning firms perform risk profiling for their clients, our approach is very different. Your unique circumstances and attitude form the framework for every plan.
At First Financial, we use our proven five-step system to structure and execute a tailor-made plan that allows you to enjoy life today and retire life ready … certain you have enough.
We don’t hire advisers, we breed them ourselves. And there’s a very good reason why. All our advisers have First Financial morals, ethics and principles right from the start.
You may have heard about the proposed super tax on balances over $3 million, where an extra 15 per cent tax would apply. This tax relates to the earnings on the portion of the balance above $3 million. It is a little complex, but we will explain.
Many Australians with a rental property consider moving in and making it home to minimise capital gains tax (CGT) upon sale. This strategy utilises the main residence exemption and the six-year rule, however, you must meet some specific conditions.
Does a family trust avoid tax? The short answer is no. The longer answer is a little more complex. Find out more here.
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ABN 15 167 177 817 AFSL 481 098 This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs. This website provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.
