Services

At Vove Financial Planning, we develop tailored step-by-step financial strategies and help you make informed decisions about your money.

Planning is the key to successful investing. Creating a plan will help you find investments that fit your investing time frame and risk tolerance, to help you reach your financial goals sooner.

Review your finances
Set your financial goals
Understand investment risks
Research your investment options
Build your portfolio
Monitor your investments

Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement. Both you and your employer can deposit funds into your account. With some exceptions, most people can choose whatever fund you like and this is a big decision to get right. Since July 2021, your employer must pay 10% into your chosen fund with this amount scheduled to increase by 0.5% each year until it reaches 12% in 2025.

As well as making sure you’re right fund, we can help with having the right contribution strategy which can often lead to significant tax savings. Contribution options include –

Salary sacrifice
Pre-tax personal contributions
After-tax personal contributions
Spouse contributions
Government co-contribution

Often a blend of these options will give you the best result and with our personal advice, your super will be moving forward strongly in no time.

Once successfully retired, it’s still vital that your investments and strategies remain current and your plans remain on course. You’ll also want to have access to additional funds when needed and maximise any entitlements you may have. Some of the things we will help you consider is –

Do you have enough income to life comfortably
Have we got funds aside for holidays, new cars and treating yourself!
Are there any changes to rules or legislation that could benefit you
Do we need to make any changes on your strategy based on economic changes, health or personal circumstances
Are your investments performing as expected
Can your Age Pension entitlement be improved

It’s all about peace of mind so that all you need to worry about is enjoying your retirement.

There’s so much you can do in the build up to your retirement and the right strategies and decisions you make during this period can make all the difference to your future. Having a personal plan in advance is therefore a vital part of having a successful retirement. Some of the things we will help you consider are –

When can you comfortably retire and be confident that you won’t run out of money
What will your retirement actually look like – social activities, buying a campervan spending time with your family or travelling the world!
What strategies can be used to give you the best chance of reaching your goals
How to make the most of your super and be protected from market downturns
How to plan in advance to maximise your Age Pension

Having protection in place increases your changes of achieving the goals. We can help you evaluate the risks and come up with the right insurance solution to protect you and your family. We will help you consider –

What’s important to me and what do I need to protect

What personal insurances should I need – Income Protection, Life, Total & Permanent Disability (TPD) and Trauma cover

Should I pay for my insurance through super or directly

When should I review my insurances

We’d all like to leave a legacy and provide for those closest and dearest to us once we’re gone.

Estate Planning ensures your assets are distributed to the right people at the right time.

We will go through the things you need to consider, help you make informed decisions and if needed, liaise with an estate planning specialist to get everything set up correctly.

Read our finanical planning services Google Reviews

    
 
 
        
   Sue Whiffen 
 23/03/2024
 
 
  Malcom's advice was invaluable. His explanations are always very clear. He listens to our concerns and provides wise advise in a clam and logical manner.
  
 
       
   ray summerscales 
 19/03/2024
 
 
  As always my review with Malcolm went well. Everything was explained to me in detail and in terms that made it easy to understand. Malcolm has many clients but always treats me as if I am the only one. Excellent service from him and all the staff at Vove. Could not be happier or more impressed. Would not hesitate to recommend Malcolm and have done so.
  
 
       
   Maree 
 19/03/2024
 
 
  Matthew provides very practical, sensible advice and has assists us in our retirement planning. He is professional and knowledgeable.  He also showed a genuine interest in us and made us feel comfortable. With some of our overly honest comments - he joined in our laughter which made working with him refreshing. He then provides choices/options that were aligned perfectly with our goals & risk profile. Highly recommended
  
 
       
   Gemma Russell 
 15/03/2024
 
 
  Fabulous financial advice. Totally recommend.
  
 
       
   Dave Short 
 12/03/2024
 
 
  I am getting close to taking early retirement and have been seeking advice on my options in regard to making my available funds last as long as possible.
I have found Mathew to be very professional, up-to-date with his knowledge and patient in explaining things to me which are not always in my area of expertise.
Would highly recommend anyone to undertake his services as it has proven to be financial beneficial in my particular circumstance.

Dave Short
  
 
       
   Bernie Walrus 
 08/03/2024
 
 
  Very lucky to have been recommended Malcolm’s services by a mutual colleague 2 years ago. He has been prompt and professional at all times and I look forward to a long and fruitful relationship in the years ahead. Highly recommend.
  
 
       
   Donna Sacca 
 07/03/2024
 
 
  We had a great review meeting with Mat, he provided us with the information we required in a concise and easy to understand way and is always patient and friendly.  We appreciate his advice and direction.
  
 
       
   Renzo Tommasini 
 07/03/2024
 
 
  Malcolm is our financial advisor, and we trust his knowledge and expertise while handling our finances.
We find he is very thorough and thoughtful and is highly recommended.
  
 
       
   matthew cook 
 26/02/2024
 
 
  Works through things slowly so you can understand them. Great service and advice.
  
 
  
 
  
 
   Google rating score: 5.0 of 5, based on 101 reviews

Click here to read more of our financial planning services Google Reviews

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In 15 minutes we can get to know you – your situation, goals and needs to see if we are the right fit to help you reach your potential.