Our Services

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Retirement planning is a crucial part of building a strong financial foundation. EKB Financial Advisers are retirement specialists.  We focus on working closely with you to address important questions like:

• When do you envision retiring?
• What income sources will support you during retirement?
• How do you imagine your ideal retirement lifestyle?
•  How can we ensure your retirement funds last throughout your retirement years?
• Are you in need of redundancy wealth management?

EKB Financial Advisers shared objective is to collaborate with you on your financial planning journey towards a fulfilling lifestyle, even after you transition into retirement.

 At EKB Financial Advisers, we understand that growing and safeguarding your wealth is a fundamental element of your financial well-being. That's why our dedicated team prioritises working closely with you to craft a personalised wealth management strategy that not only meets your current financial objectives but also takes into account your long-term aspirations and risk tolerance. By tailoring our approach to suit your individual needs, we aim to ensure that your wealth not only grows steadily but is also well-protected against market fluctuations and unforeseen challenges, helping you achieve financial security and peace of mind.

   No-one likes to talk about getting old, but when you or a family member needs help, there’s no getting around it. Many of our clients want to know what choices they have in their older years – and before the crisis hits. 

When should you start thinking about aged care?

Any age is a good time to start thinking and planning for aged care, regardless of whether you are in your early retirement years or are well into retirement. The need for care can arise suddenly or result from a more gradual decline in capabilities.

If you are in good health, aged care is probably not on your radar. But this is the best time to have the conversation - you’ve still got capacity and you’re not in panic mode. 

Or, if you’re lucky enough to still have your parents, starting the conversation while they are healthy is definitely sensible. They might not be thrilled that you’re raising the subject, but it gives an opportunity to find out what is important to them when choices need to be made.

Don’t accidentally fall into these traps:

1. Leaving it too late to have the conversation - once Mum or Dad can’t return home from the hospital, you’re in crisis mode. This is not the best environment to make life-changing decisions for anyone.

2. Thinking it will never happen - unfortunately the statistics say otherwise. On average, we can expect to live 17-25% of our retirement with a frailty that may threaten our ability to live independently without care. With those odds, planning ahead is vital.

How to find help

Making an informed decision about aged care is incredibly important. Making the wrong decision can have far-reaching consequences for the whole family. When aged care decisions go badly, the stress can lead to family conflicts, fuelled by the Three G’s of aged care® – Grief, Guilt and Greed 

However, not all advice is good advice. Aged care financial advice is a specialist area. The rules change constantly, as do the available strategies. This is why Dale Barratt  in our office has qualified as an Accredited Aged Care Professional™ to ensure that EKB Financial Advisers have the skills and knowledge to give you the right advice. 

  At EKB Financial Advisers, we want to ensure that your superannuation accounts are optimised to align perfectly with your financial aspirations and comfort level with risk. Whether you have multiple super accounts or just one, our team can conduct a thorough review to make sure your money is working effectively for you. 

With a variety of investment options available through super funds, each carrying different levels of risk and potential return, it's crucial to select the right mix of investments that best suit your financial objectives and risk tolerance. At EKB Financial Advisers, we specialise in guiding clients like you through this decision-making process, helping you maximise your super contributions and optimise your investment strategy for long-term growth and stability.

When it comes to Self Managed Super Funds (SMSFs), we recognise that they can be a powerful tool for individuals seeking greater control over their investments. SMSFs offer a unique opportunity for wealth accumulation, allowing for tailored investment decisions that align closely with your financial goals. Additionally, SMSFs can play a key role in family wealth creation and provide invaluable support for wealth transfer upon your passing, ensuring a seamless transition of assets to your loved ones. Let us at EKB Financial Advisers help you navigate the complexities of SMSFs and harness their potential to grow your wealth effectively and sustainably.

Throughout the passage of time, Benjamin Franklin famously stated that "death and taxes" are the only two certainties in life. 

As you journey through life, you may find yourself reflecting on your legacy, considering what truly matters to you. At EKB Financial Advisers, we prioritise your voice, actively listening and engaging in conversations to grasp your unique aspirations.

For example:

• Aligning beneficiaries for assets outside your estate plan to ensure a seamless transition.
•  Planning for educational expenses for your young beneficiaries.
• Strategising intergenerational asset transfers, determining the right assets, timing, and methods that suit your goals.