23 Beaches provides a wide range of personal financial services ranging from accounting and taxation to wealth creation, retirement planning and more.

Personal Financial Services

23 Beaches provides a wide range of personal financial services ranging from accounting and taxation to wealth creation, retirement planning and more.

After reading about our personal financial services below, feel free to get in touch with us. Use the following link to head on over to the contact page and fill out the form.

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Accounting and Taxation

We are not your normal run of the mill accountants. We have found that a lot of accountants will just process your tax return on whatever information you provide them. We are different. Our expertise allows us to help you find deductions you may not otherwise be aware of. We pride ourselves on going the extra mile to help you legitimately minimise your tax obligations.

Our tax return service costs $200 for a standard tax return.

Wealth Creation

A common misconception is that \'I don\'t have enough to invest'. However it is never too early to start planning for the future. By reviewing your budget we can often identify areas to improve your situation without affecting your lifestyle. A plan can then be set in place to save for the future, set your investments in place tax-effectively and make the most of what you have. The best strategy will vary from person-to-person.

We offer a no cost and no obligation meeting to discover if there are any areas of which we may be able to provide you value.

Home Loans

When purchasing a home or investment property we are able to provide very competitive rates or give your advice on what to take back to your lender to help push your existing rate down- which saves many of our client many thousands of dollars and years off your mortgage

The way debt is managed may depend on whether it is considered 'efficient' or 'inefficient'. Correctly structuring debt and your repayments and save your tens of thousands of dollars so it pays to get it right.

Retirement Planning

We're working harder and living longer. Planning for your retirement can be one of the most daunting things you'll do and it's no surprise that this is the first time many Australian's visit a financial planner.

Put simply, retirement planning is the process of working out how much income you need, for how long, and how you will fund this. The reality is far more complex and it's crucial to get it right.

The earlier you start planning, the better, but it's never too late.

Easy to understand retirement plans, that you can understand.

Estate Planning

Think about estate planning and you automatically think about your will. A current will is vital to ensuring that your estate is distributed according to your wishes, and in the most effective manner. Without a valid will you risk not providing for your beneficiaries in the way in which you envisaged.

An effective estate plan however is not just about your will. Many assets will not be distributed according to your will. Your family home (if owned jointly) is a good example. Your superannuation funds are also not an estate asset and the treatment of these funds upon death can be quite different to your other assets.

An effective estate plan will consider your overall situation and beneficiaries, special circumstances, how your estate will be funded and the taxation treatment of benefits.

SMSF

For individuals seeking to own direct investments within superannuation or gain greater control of their superannuation portfolio, Self Managed Superannuation Funds (SMSFs) can be an attractive alternative. SMSF's have all the main characteristics as personal (or 'public offer') funds but offer increased flexibility in investment choice (for example, direct property) and require a greater degree of responsibility as you are your own trustee.

The additional regulation around SMSF's and potential penalties makes it essential to partner with a team of professionals to get the right advice and satisfy your regulatory requirements.

Superannuation and Pension

Next to our own home, our superannuation savings are often our largest asset. While we cannot access the funds until later in life it deserves as much care and attention as any aspect of your financial planning. The long term nature of this investments means that having your funds invested in the right place makes a big difference when you do come to retire.

Superannuation is not an investment in itself, it is a concessionally taxed structure designed to save for retirement. Knowing where to invest, how much to contribute (and when) is essential to ensure you maximise every possible opportunity and avoid the common mistakes.

Constant changes in legislation and market conditions means that active long term management will result in better retirement. We offer a no cost and no obligation meeting to discover if there are any areas of which we may be able to provide you value.