Financial Services from HJ Garden & Associates

Retirement Planning

To enable you to maintain your standard of living when retired, we implement different strategies in your pre-retirement years. We consider possible retirement structures to enable you to receive maximum pension entitlements, so you can enjoy retirement.

Regular Saving Plans

You may not be maximising the value of your income. We assist with budgeting to allow you to estimate what disposable income may be saved on a regular basis.

Taxation Management Strategies

There are a number of options available to you to manage the amount of your tax payable, such as pre-paid interest and margin lending. Margin lending can be used to gear an investment portfolio, similarly to gearing an investment property.

Superannuation (including self-managed super funds)

Are you sick of having numerous superannuation companies sending reports to you that make little sense? You can escape this “paper-battlefield” by creating your own personal fund with our help. You may even like to consider your own self-managed super fund.

Risk Insurance

Risk insurance, which includes life, trauma and income protection, provides you with peace of mind. You can take comfort knowing that your family will be provided for should a major 'life event' occur.

Salary Packaging

For all Government employees, salary packaging is an extremely useful tax management strategy. You may wish to salary package work related items, such as your motor vehicle, for your financial benefit.

Redundancies & Bonuses

You may be in the position of receiving a redundancy or major bonus, either now or in the future. This type of financial windfall needs careful management to ensure a major part of it isn't lost in tax.

Estate Planning

For protection of your family, we assist you with the financial planning associated with your estate. This covers a range of areas and is best dealt with on an individual basis.

Client Financial Management

We provide a service that enables you to reduce your debts quickly through prudent budgeting and financial management. Some clients are paying off their loan in as low as 5 years.