Financial Planning

Financial Planning is the difference between creating your own financial future and just allowing it to happen. At Sterling KPG, planning and providing strategies to help you manage your financial affairs is our specialty.

Our teams’ specialist knowledge and detailed understanding of the dynamic financial environment can help people at all levels of financial health. We are well-equipped to provide advice for things as simple as a holiday, to something as complex as investment advice or retiring comfortably.

Investment Advice and Portfolio Construction

We know that one investment strategy does not suit everyone. We understand that every client has different goals and different attitudes to risk. Therefore, you need a personal financial planner who recognises your needs and can help you make the right decisions. Our aim is to ensure that your financial affairs are structured to achieve your long-term and short-term goals.

Having the right strategy before choosing any investment can make all the difference to the success of a financial plan. We spend time looking at different strategies such as:

  • Contributions to Superannuation
  • Tax effectiveness of retirement income stream
  • Choice of the retirement income stream
  • 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.

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.

Retirement Planning + Aged Care Advice

There is no need to feel unprepared for retirement. Getting the correct information and advice can help you make the best choices for your future care, security, and happiness. We can help you understand whether you are on track to reach your retirement goals and prepare strategies to achieve them.

With over 20 years’ experience Sterling KPG Personal Financial Planning can help manage your investment returns. Sterling KPG Personal Financial Planning is led by Elissa Karrasch who is an Affiliate Practitioner member of the Financial Planning Association. With expertise in the area of Retirement & Pension Planning, Superannuation and Wealth Creation. Call us today to speak with Elissa and our Personal Financial Planning team!

Wealth Protection and Insurance

Protecting your wealth should be a fundamental part of your financial plan, which is why we always take the time to discuss this with our clients. Often, we find many clients have no, or insufficient, protection in place. This puts their families at financial risk if an emergency were to happen to them.

Our Financial Planning Partner (Alliance Wealth)

Sterling KPG Personal Financial Planning is an authorised representative of Alliance Wealth.  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.

Contact Financial Planning

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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