Our services

ASA Financial Advisers offers an extensive range of financial services which enable us to create a tailored financial plan, whatever your financial situation.

Our team of professionals offer in-depth knowledge and advice in the following key areas:

  • Life-stage financial planning
  • Wealth creation, including: asset allocation and investment selection; and investment gearing
  • Superannuation and retirement planning
  • Risk insurance

Other services include:

  • Redundancy planning
  • Centrelink planning
  • Business succession planning
  • Self managed superannuation funds
  • Corporate and group superannuation plans
  • Estate planning
  • Salary packaging

Wealth creation

Wealth creation is all about building financial security now so you can focus on enjoying your lifestyle in the future. Choosing where and how to invest your money is a difficult decision and will depend on many factors including your overall investment objectives, approach to investment risk and the amount of time you have to invest.

When it comes to investing it's best to seek the advice of a qualified professional who can help define your unique personal situation and financial goals and recommend financial solutions and strategies to help you reach those goals.

Whether you are investing to finance your business, lifestyle, private education or provide for your retirement, it's never too late to take control.

Speak to your ASA adviser to determine the most suitable wealth creation opportunities for you.

Life-stage Financial Planning

Traditionally, the average life-stage began with finishing school in your teens, starting your first job in your 20's, buying a house, getting married and having children throughout your late 20's and 30's, and enjoying a long career until we retire at 65. But times have changed.

During recent years, there has been a shift in social patterns. New trends have resulted in children staying at home longer and delaying marriage, career changes have become more common, and some people may never buy a residential property in favour of investing through global property trusts or managed funds.

Today, life-stages are more likely to be related to the challenges we face throughout our lives or when we achieve key milestones, which can happen at different times. Our financial strategies should reflect what's going on in our lives, rather than your physical age. This is the essence of life-stage financial planning.

ASA Financial Advisers works with you to address the fluidity of life's challenges and milestones to determine your specific financial needs.

Superannuation and retirement planning

Planning for retirement is one of life's most important financial considerations. After all, the actions taken today will determine how comfortable life will be in the future.

Superannuation is perhaps the most popular way to save for retirement. Put simply, contributing to superannuation allows you to put aside money during your working life to use when you retire. With recent Government reforms to superannuation, it's now one of the most tax-effective long-term retirement savings vehicles available.

There are many strategies available to help you maximise your retirement savings through superannuation. Whatever your plans for retirement, we can help you decide on the most appropriate strategy to make your plans for retirement become reality.

For more information speak to your ASA adviser.

Risk insurance

Financial protection insurance forms a critical part of the financial planning process, providing financial security for you and your family. Put simply, financial protection insurance is there to provide you with protection against the financial implications of an event such as death, disablement, serious illness or injury.

There are a range of insurance options available that can be tailored to suit your needs and personal situation. The most common types of risk insurance include:

Income protection

In the event that you are unable to work due to prolonged illness or injury, income protection provides you with a monthly benefit of up to 75 per cent of your salary. This is paid while you are unable to return to the workforce, up to age 65.

Life Insurance

Life insurance helps alleviate the financial burden your family may be left with after your death. Usually paid as lump sum, your dependants can use this money at their discretion to assist with medical costs, funeral expenses or help secure their future.

Total and permanent disability (TPD)

This is generally taken as an optional extra within a life insurance policy, but can also be arranged as a stand-alone policy. In broad terms it provides a lump sum in the event of a permanent disability that prevents you from returning to work.


Trauma insurance is generally paid as a lump sum upon diagnosis of an eligible condition (eg cancer, heart disease), and the funds can be used at your discretion.

For more information on how financial protection insurance can help secure your financial future, speak to your ASA adviser.