Frequently Asked Questions

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Is there a cost to have an initial meeting with an adviser at Sky Advisers?

Our first meeting with you is complimentary, our initial consultation will go for up to 90 minutes and during this time you will be able to determine if you will be able to benefit from an adviser relationship going forward. We will be able to quote you a cost to deliver our advice based on your goals and if you do not wish to proceed then all you have given up is your time.

We need to consider Aged Care for a loved one and I AM TOTALLY CONFUSED BY THE OVERLOAD OF INFORMATION I HAVE BEEN GIVEN BY EVERYONE

Both David and Daniel are qualified and able to provide Aged Care advice and this includes assisting with Centrelink. We are able to assist with the burden of ensuring your loved ones are able to afford care in their later years.

I AM UNSURE IF I CAN AFFORD TO RETIRE AND IF I WILL HAVE ENOUGH MONEY TO LIVE ON IN RETIREMENT

We provide tax effective strategies to assist in painting a picture of your desired retirement, we can remove the stress of not knowing whether you can afford to retire and help you decide when you will retire.

I DON’T KNOW IF I AM DOING THE RIGHT THINGS REGARDING MY DEBTS

We can assist you in making good choices about debt. Whether it is securing lending to buy a home and or getting out of debt as soon as possible . We can also assist with strategies to pay off credit cards and personal loans. We work with and can refer you to trusted mortgage brokers.

I AM OVERWHELMED BY CENTRELINK AND THE PROCESS TO APPLY FOR A HEALTH CARE CARD OR INCOME SUPPORT

We deal with Centrelink daily and we have strategies available to increase your benefits. We will also take the time to help you apply for and keep your entitlements up to date with minimal need to attend a Centrelink office or through a Centrelink call centre.

I NEED A WILL! WHAT DO I HAVE TO DO NEXT?

We can guide you through what’s important to you when it comes to estate planning including common pitfalls. We will discuss with you, strategies to make sure that when it comes to leaving any remaining superannuation it is done tax effectively. Importantly, when you’re ready to take the next step we can refer you to a reliable estate planning lawyer.

SHOULD I SET UP A SMSF (OR GET OUT OF THE ONE I’M IN) IS THIS THE RIGHT THING TO DO AND HOW DO I DO IT?

We can assist in the establishment and day to day running of a Self-Managed Super Fund including its investment portfolio and advise on any insurances applicable. We also help wind them up if that’s the right thing to do. We will work with your accountant and or fund administrator or refer you to one if you want. We’re also not afraid to tell you if we don’t think a SMSF is right for you.

SUPERANNUATION IS FOR RETIREMENT; I DON’T NEED TO WORRY ABOUT IT NOW?

Taking control of your superannuation early can have huge implications for your end retirement balance, we’ll help you understand what you can control, how small changes now can create positive long term implications for your end retirement benefit and this can even mean a possible early retirement if that’s what you desire. We’ll help you simplify what you’ve got and make sure it’s working for you. There can be worthwhile tax, social security, estate planning and of course retirement outcomes if done well.