You run  your business, We'll handle the retirement planning.

At Aspire Accounting & Management Services Pty Ltd, we have had more than 20 years experience in providing financial services to our clients. In addition, the directors of the firm have combined experience of more than 60 years in the financial services industry.

With the benefit of this experience, the directors have put in place the right people, with the right training & knowledge to ensure that your wealth creation & financial planning goals are paramount. The directors of the firm hold a strong belief that our priority must be to look after the interests of our clients at all times.

Aspire Accounting & Management Services Pty Ltd can offer a holistic approach to your financial and retirement planning, by linking it with your business circumstances. 
We strongly believe that financial & retirement planning in isolation, without consideration of these other vitally important factors, fails to provide the degree of comfort we prefer our clients to have.

At Aspire Accounting & Management Services Pty Ltd, we place significant importance on investing time with our clients at the outset to ensure that we fully understand their situation, together with their goals and objectives so that we are in the best possible position to create a personalized financial plan that will be designed to optimize their financial position.

Advice in your best interest
The advisers at Aspire do not receive any commissions as a result of any of the products or services that are recommended. We operate on a fee for service remuneration model, so that at all times our client can expect to have full knowledge of the level of fees to be paid. At the initial interview our clients can expect, and indeed demand, that our adviser provides the client with a full & complete cost schedule.

FINANCIAL PLANNING

In developing our professional arrangement with you, we will work hard to ensure that your strategy is constantly under review, adjusted to take into account a changing financial environment and differing life stages.

Our advisers will work with you to understand your personal circumstances, establish your objectives and set in place a financial strategy to meet you particular financial situation. In developing our professional arrangement with you, we will work hard to ensure that your strategy is constantly under review, adjusted to take into account a changing financial environment and differing life stages. Our objective is always focused on meeting the needs of our clients with a view to delivering the best outcomes to meet their goals.


We strive to deliver a strategy that our clients feel comfortable with, that provides financial security and ensures that our clients sleep peacefully, comfortable in the knowledge that their interests are being well looked after.


FEES: At Aspire Financial and Retirement Planning our advisers are not remunerated on a commission basis, with fees being charged on a fee for service basis. (Our advisers will discuss our fee structure at the initial meeting so that clients are totally aware of the level of fees to be charged).


To arrange a consultation, please contact our Bundoora office on (03) 9466 8777.

RETIREMENT PLANNING

The question that is often asked is what level of retirement capital is needed to retire? Working out how much super you need to retire on can be complicated.

It is never too early to start planning for your retirement. At Aspire, our advisers are here to assist you in putting your retirement plans in place.

The question that is often asked is what level of retirement capital is needed to retire? Working out how much super you need to retire on can be complicated.


How do I achieve this objective?

  • Where should my money be invested?
  • How do I effectively grow my superannuation?
  • Are there other investments that I should consider?
  • Am I maximising taxation advantages?
  • Do I have a different strategy to meet pre and post retirement circumstances?
  • How do I maximise my social security entitlements?
  • How do I ensure my retirement money lasts?

To arrange a consultation, please contact our Bundoora office on (03) 9466 8777.

SUPERANNUATION

Since superannuation operates within a concessional taxed environment, there are a number of opportunities that are available to enable your superannuation to be maximised. At Aspire, our advisers can assist in the implementation of these strategies.

Outside your family home, superannuation will be the largest investment that you will make in your lifetime. This is why it is so important that you work with our adviser to ensure your superannuation strategy will maximise your superannuation entitlements at the time of your retirement.


Since superannuation operates within a concessional taxed environment, there are a number of opportunities that are available to enable your superannuation to be maximised. At Aspire, our advisers can assist in the implementation of these strategies.


It is so important that you talk to your adviser to ensure that a long term strategy is set in place but has the flexibility to adjust to personal and financial circumstances. In this way, your superannuation benefits have the best opportunity of being optimised.


To arrange a consultation, please contact our Bundoora office on (03) 9466 8777

SELF-MANAGED FUNDS

A question that is often raised is the level of funds required to warrant the establishment of a SMSF. At Aspire we would recommend that a minimum of $250,000 is needed before consideration is given to the establishment of a SMSF.

The team at Aspire Financial & Retirement Planning assist our clients across Melbourne to decide whether a self managed superannuation fund is suitable for their needs. We can also assist you in establishing and running the fund.  


A question that is often raised is the level of funds required to warrant the establishment of a SMSF. At Aspire we would recommend that a minimum of $250,000 is needed before consideration is given to the establishment of a SMSF.


Some advantages of establishing a SMSF are:


  • That the trustees have absolute control as to where the capital of the SMSF is invested (subject to existing legislation).
  • SMSF has the ability to borrow to invest in certain assets.
  • Lower running costs may apply.

At Aspire Financial & Retirement Planning, we use a team approach with our advisers and accountants working closely together to maximise strategy effectiveness and ensure that the SMSF fund is set up, administered and managed correctly. 


To arrange a consultation, please contact our Bundoora office on (03) 9466 8777.

FINANCE - PERSONAL BUSINESS

As your adviser, we can help reduce the time you spend looking for the most suitable and tax effective finance. Our consultants will compare rates and products from over 50 lenders to ensure you get the best deal.

We can help with finance for your business and personal requirements. Ask us how!


As your adviser, we can help reduce the time you spend looking for the most suitable and tax effective finance.  Our consultants will compare rates and products from over 50 lenders to ensure you get the best deal.

If you need help with any area of finance ask your adviser for assistance.

  • Home Equity Loans
  • Reverse Mortgage (seniors Loans)
  • No Doc Home Loans
  • Salary Packaging motor vehicles
  • Home Loan Refinancing
  • Bridging Loans
  • Motor vehicle/Truck finance
  • Self managed super fund loans
  • Debt Consolidation Loans
  • Mortgages For The Self Employed
  • Business Equipment Finance
  • Commercial property loans

To arrange a consultation, please contact our Bundoora office on (03) 9466 8777.

INSURANCE

If something unfortunate was to happen to you, what financial obligations would you leave your family? Homes, childrens’ educations, cars, and personal belongings are often sacrificed in order to make ends meet.

60% of Australian families with dependents will run out of money within 12 months if the main income earner were to die.


If something unfortunate was to happen to you, what financial obligations would you leave your family? Homes, children's educations, cars, and personal belongings are often sacrificed in order to make ends meet.


Insurance is important but you need to consider your situation and cash flow, ultimately it’s up to you to decide what types and how much insurance you need.

Aspire can help organise the financial security and protection your family deserves. It will protect you, your family, and your assets in the unfortunate event of serious accident, injury or disease. We specialise in:

  • Life
  • Total and Permanent Disability
  • Critical Illness/Trauma
  • Income Protection

How we can help…

An Aspire adviser can minimise the confusion and complexity that often comes with acquiring insurance, by considering your individual circumstances to find the most appropriate combination of policies and strategies to suit you and your family’s needs.

Many of us believe that if we never have to make a claim we have too much cover, but if we do have to make a claim the cover is not enough. Therefore it’s important to discuss any of these concerns with your adviser.

To arrange a consultation, please contact our Bundoora office on (03) 9466 8777.