Financial Planning
Financial Planning is the difference between creating your own financial future and just allowing it to happen.
Financial planning services at a glance
At Sterling KPG, planning and providing strategies to help you manage your financial affairs is our specialty.
Our understanding of the dynamic financial environment and our specialist knowledge helps provide advice for things as simple as saving for a holiday, to something as complex as retirement planning and self-managed super fund investment advice.
We love helping you plan for the retirement years, implementing effective retirement strategies and we will stick with you for as long as you need to help you stay on track. This allows you to spend your retirement doing the things you enjoy.
Jump to a section of interest by clicking the links below:
Retirement Planning | Strategy & Investment Advice | Superannuation & Self-Managed Superannuation Funds | Wealth Protection & Insurance | Our Financial Planning Partner
Jump to a section of interest by clicking the links below:
Retirement Planning
Strategy & Investment Advice
Superannuation & Self-Managed Superannuation Funds
Wealth Protection & Insurance
Our Financial Planning Partner
Retirement Planning
Strategy and Investment Advice
Having the right strategy before choosing any investment can make all the difference to the success of a financial plan.
We know that one investment strategy does not suit everyone. We understand that every client has different goals and different attitudes to risk. You need a personal financial planner who helps you define your goals, and understands your appetite for risk.
Some of the strategies we look at might include;
Contributions to your Superannuation Savings
Tax effectiveness of your investments and retirement income streams
Choice of the investment or super structures
Use of available tax exemptions (eg capital gains tax exemptions)
Eligibility for Centrelink benefits
When we are satisfied the strategy is right for you, we will proceed with the required investment recommendations. With external research and our own careful selection of the many investments available, our recommendations are then documented in a “Statement of Advice”.
Personalised Statement of Advice
We will assess your current financial situation, firstly taking note of your goals and objectives, then evaluate your risk profile, and develop appropriate investment strategies. We will then design a written Statement of Advice including investment strategies, providing sound recommendations in the required areas of investment, insurance. estate planning and superannuation. We will guide you step-by-step through the plan to enable you to create, build and preserve your wealth, without undue risk.
We believe that the most effective way to achieve your financial objectives with increased certainty is through a well-diversified portfolio. If you agree to our ongoing services, each year we will review your situation, tracking your progress and keep you informed about your investments, working to reach your identified goals.
We believe the most effective way to acheive your financial objectives is through a well-diversified portfolio.
Superannuation and Self-Managed Superannuation Funds
Sterling KPG Personal Financial Planning is a Self-Managed Super Fund (SMSF) administration firm. We can help determine if a SMSF is right for you and assist you with investment and insurance advice.
A SMSF is a superannuation trust structure that provides benefits to its members upon retirement. The main difference between SMSFs and other super funds is that SMSF members are also the trustees, with the authority to make decisions on how to operate and run the fund. Essentially, members are given direct control over their retirement savings and investments.
The benefits of a SMSF include:
Control and flexibility over what your superannuation money is being invested in
Potential tax savings
Potential lower fees
A diverse range of investment
Estate planning
Our team’s industry experience and expertise can help you understand your options to give you peace of mind about your superannuation. Whether you are in the accumulating phase, the pension phase or transitioning between the two. We offer a full range of SMSF services.
Our team’s industry experience and expertise can help you understand your options & give you peace of mind about your superannuation.
Wealth Protection & Insurance
Protecting your wealth and your income which is going to provide for your family and your retirement is a fundamental part of your financial plan. If you have no, or insufficient protection in place you could be putting your and your family’s future at financial risk.
We can guide you through a Risk Analysis to help you calculate appropriate levels of insurance and discuss
different options of how to finance and own it.
Our Financial Planning Partner (Alliance Wealth Pty Ltd)
Sterling KPG Personal Financial Planning is an authorised representative of Alliance Wealth Pty Ltd. This arrangement allows us to provide our clients with the resources and expertise of a large organisation, with the personal touch and service of a boutique firm. Together our mission is to offer our clients an opportunity to meet their financial objectives through independent, ethical, unbiased, and competent professional guidance.
General Advice Warning
This information has been provided as general advice. We have not considered your financial circumstances, needs or objectives. You should consider the appropriateness of the advice. You should obtain and consider the relevant Product Disclosure Statement (PDS) and seek the assistance of an authorised financial adviser before making any decision regarding any products or strategies mentioned in this communication.
Whilst all care has been taken in the preparation of this material, it is based on our understanding of current regulatory requirements and laws at the publication date. As these laws are subject to change you should talk to an authorised adviser for the most up-to-date information. No warranty is given in respect of the information provided and accordingly neither Alliance Wealth Pty Ltd nor its related entities, employees or representatives accepts responsibility for any loss suffered by any person arising from reliance on this information.
Ready to get started?
To schedule a no obligation chat with one of our experienced financial planners please complete the form on this page or send us an email to invest@sterlingkpg.com.au and we will be in touch ASAP. We look forward to speaking with you.
Authorised Representatives
Elissa Karrasch (246395) & Bryce Karrasch (246394)
Karrasch Financial Planning Pty Ltd ABN 95 107 822 953 T/A
Sterling KPG Personal Financial Planners is a Corporate Authorised Representative (No. 271175) of Alliance Wealth Pty Ltd AFSL 449221
ABN 93 161 647 007
Contact our financial planning team today
Financial freedom without boundaries.
The success of Sterling KPG is attributed to taking a genuine and active interest in our clients’ financial affairs. Here are a few questions that we commonly get asked regarding our services.
Commonly Asked Questions
When should I start getting retirement advice?
You can start making a retirement plan today!
Using smart saving strategies and giving yourself more time to save, will all work in your favour. Setting goals early might just allow you to retire sooner than you think.
How much does financial advice cost?
It depends. As no two people are the same, we don’t charge everyone the same fees. When we get to know you and establish how we can help, we prepare your Client Engagement Letter so you know an estimate of costs before we start. For an indication of what you could pay, the Moneysmart website sets out an example of financial advice fees.
How much money can I have and still get an Age pension?
Centrelink assesses your eligibility for the pension using an
Income and Asset test, and not all assets are assessed in the same way. Simple factors such as the date of purchase
may affect how the asset is treated. Knowing these rules helps us to put together strategies which can help maximise your entitlements.
For more information about the Age Pension see the Services Australia website.
Just a few of our industry accreditations.
