Estate Planning

If you have made a binding nomination and appointed a beneficiary, this person will receive your funds.  If you haven’t done this, the trustee decides who they pay the money to based on what is set out in the trust deed.

Superannuation death benefits are taxed differently depending on who receives them.  It essentially depends on whether the recipient is a dependent or a non-dependent.

A dependent includes:

• A spouse or de facto.
• A child under 18.
• Someone financially dependent on you (this could include an adult child).
• Or a person with whom you had an 'interdependent' relationship (e.g. may be a same sex relationship or someone with whom you lived in a close and ongoing relationship with  financial and domestic support).

For tax purposes:

• Super benefits paid to dependants are tax-free.
• Benefits paid to 'non-dependents' are taxed.

All of our advisers are qualified and licensed appropriately. The changes implemented for education standards have meant that our advisers are studying again to keep up to date with the financial planning industry regulation.

We offer a free no-obligation appointment to discuss your financial matters. Should you wish to utilize our services, our ongoing advice fees can be deducted from your superannuation, pension or investment portfolio.

Aged care appointments are charged at $385 and allow for 2 meetings with Scott Keeley to discuss aged care costs and how to best afford the accommodation needs for your family member entering an aged care facility.