Calm Wealth Services

Calm Wealth has been helping Australians reach their financial goals for over 30 years in Adelaide, providing valuable assistance in planning for the future and managing wealth. A Calm Wealth financial adviser will develop a plan specifically for you – one that’s tailored to your needs and circumstances, to help you achieve your goals.

Retirement planning

Planning for retirement is one of life’s most important financial considerations. The actions you take today will determine your lifestyle in the future.

Prior to retirement, there are some important questions you need to ask yourself, including:

• What do you want to do in retirement?
• Do you need a regular income?
• Where will this income come from?
• When can you retire?
• How and when will you be able to access your super?

Superannuation

Superannuation is one of the most tax-effective long-term retirement savings vehicles, however it can be difficult to keep up with changing rules and regulations. A financial adviser can explain the rules and provide you with strategies to help you maximise your retirement savings.

Superannuation is the most tax-effective way to save for your future.

A financial adviser can help you:

• choose an appropriate super fund with the features you need
• select the appropriate investment mix depending on your risk profile and investment timeframe
• boost your super by making the most of the contributions limits, tax-benefits and government incentives
• transition your super to a pension once you retire.

Redundancy

In today’s economic environment, being made redundant can become an unexpected reality. We all have a lifestyle to maintain, some with dependents, and many with financial commitments such as mortgages, personal loans, and other obligations that require us to generate an income. You will need to make some important decisions about your finances. This includes any redundancy or employee termination payments that you may be entitled to, your expenses, and how you can structure your affairs tax-effectively.

A financial adviser can help you by:

• assessing your financial position and your ability to meet your financial commitments
• identifying any employer payments that you may be entitled to
• understanding how redundancy affects your superannuation
• identifying any Government assistance you may be entitled to
• understanding/assessing your personal insurance
• planning the way forward.

Managing your investments

Investing your money is an effective way to build your wealth. Investing often means taking risk. In fact, investment risk is defined as the chance you will either lose or make money on an investment. As all investments come with varying degrees of risk, it is important to recognise your appetite for risk and build a portfolio that suits your risk tolerance so you can sleep at night.

There are several factors that measure risk tolerance:

• Desire to take risk – Some investors enjoy the inherent uncertainty of investing and are inclined to take on high-risk investments. More common however is an aversion to the stress that a large fall in an investment’s value can produce.
• Financial capacity to take risk – A couple with a new baby and a mortgage will have a considerably different capacity to take risks than a single person just starting out in the workforce.
• Your need to take risk – This is tied to your investment time frame. If you are 30 years old and planning 35 years ahead for retirement, you will probably be happy to accept greater risk, as short-term volatility is smoothed out, to achieve your goals. On the other hand, if you are nearing retirement, you’ll probably not want to risk losing your money as there isn’t the luxury of time to recover from losses.

Risk and return

With greater risk, there is the opportunity for greater returns. Different types of investments, or asset classes, have greater risk and the possibility of higher returns. Each asset class has individual characteristics and carries a different level of risk and return to suit a range of investor types.

There are four main asset classes:

• Shares
• Property
• Fixed interest
• Cash

While risk is an unavoidable part of investing, there are steps you can take to minimise your exposure to unintended risk through diversification and where possible, making longer-term investments

How a financial adviser can help you:

A financial adviser can help you understand your risk profile and build a portfolio of investments that matches your risk profile and your investment objectives.

Contact us on 08 8227 2222 to arrange a free, no-obligation initial consultation with Calm Wealth

Chad is a Certified Financial Planner® professional after successfully completing his certification assessment in 2006. He also has a Bachelor of Economics degree from the University of Adelaide, and a Diploma of Financial Planning through Deakin University.

As an Authorised Representative of Calm Wealth, Chad is able to assist clients in the area of:

• Investment strategies
• Superannuation strategies
• Retirement planning
• Centrelink entitlements
• Direct Share Trading
• Salary packaging
• Life insurance
• Estate planning

In providing advice Chad is backed by a team of leading research analysts, enabling clients to have access to a range of leading Australian and international fund managers as well as listed investments. Chad is committed to building long-term relationships with clients by providing them with advice that is easy to understand and simplifies a lot of complexity that can surround financial advice.

To arrange a complimentary, obligation-free initial consultation with Chad, call 08 8227 2222.

Chad Appleby in branch at FSCU

Face to face appointments

(can also accommodate with phone/zoom based appointments to suit).

Appointment times 9:00am & 10:00am

• February 2
• March 1
• April 5
• May 3
• June 14
• July 5
• August 2
• September 6
• October 4
• November 1
• December 6