Estate Planning

Your wealth represents more than financial assets. It reflects years of work, the choices you have made and the people you want to provide for.

A considered estate plan helps clarify your wishes, prepare for the unexpected and guide how your wealth will pass to the next generation. At Ocean Advice, we help you bring the financial elements of that plan together, working alongside your solicitor and accountant.

We begin by understanding your family circumstances, financial structures and priorities. Whether you want to provide for your partner, support your children or leave a charitable legacy, we help identify the decisions and arrangements that need attention.

Our advice covers:

• Reviewing how your assets are held—understanding the implications of personal ownership, joint ownership, superannuation, family trusts and companies for your succession plans.
• Planning for superannuation benefits—reviewing beneficiary nominations and pension arrangements, including how benefits may be paid and the potential tax implications.
• Supporting the transfer of wealth—considering how and when to help the next generation, while preserving your own financial security.
• Preparing for incapacity—working with your solicitor to help align financial arrangements with appropriate powers of attorney and decision-making provisions.
• Coordinating your estate plan—helping align your investments, superannuation and ownership structures with the legal documents prepared by your solicitor.

We also help you consider the practical needs of those you leave behind, including access to funds, ongoing income and the management of investments.

As relationships, circumstances and legislation change, your arrangements may need to change too. Regular reviews help keep your financial strategy aligned with your wishes and your family’s needs.

Based in Peregian Beach, we work with individuals and families across the Sunshine Coast and beyond.

Contact us to discuss your estate and wealth succession planning.

Please call Ocean Advice on 07 5471 2099 or click here to place an enquiry.