Effective estate planning ensures your wealth is transferred according to your wishes in the most financially efficient and tax effective way. Estate planning is a complex and specialised area and requires expert professional advice.


Estate planning incorporates:


Preparation of Wills and financial Powers of Attorney.


Preparation of medical Powers of Attorney/Guardianship and documents relating to lifestyle issues.


Specialist estate planning advice, including tax planning and advisory services.


Superannuation death benefit strategies, such as binding death benefit nominations and child allocated pensions.


Using trust structures such as testamentary trusts to provide beneficiaries with asset protection and taxation advantages.


Strategies for passing the control of family trusts or private companies to beneficiaries.


Superannuation, trust assets and jointly held assets cannot in most cases be dealt with in the terms of the Will. These assets are generally referred to as Non-Estate Assets. It is therefore important that a comprehensive estate plan is in place to ensure all assets you own or control are transferred in the most effective and efficient manner.


Here are some of our key recommendations we put to our clients when planning their estate:


Ensure you have a current estate planning strategy.


Ensure you have a Will in place which meets your needs and circumstances.


Ensure you have an Enduring Power of Attorney in place.


Ensure you have appropriate documentation to cover your Medical and lifestyle needs.



John Michael McAuliffe AFA, DipFp., BSc., DipTeach.

John is a Premier Wealth Coach & Financial Strategist. Risk and Investment Advisors Australia Pty Ltd Authorized Representative No. 238629 www.riaa.net.au. AFSL No. 238 141

RISK and INVESTMENT ADVISORS AUSTRALIA PTY LTD.