Financial Advisor Beaumaris

Finding a trusted financial adviser in Beaumaris starts with choosing a local firm that understands the area and your stage of life. Vista Financial is based right here in Beaumaris – not some distant firm in the CBD. We operate as Authorised Representatives of Count Financial Limited (AFSL 227232).

Our clients appreciate the care and specialised attention of our professional financial advisers. See what our clients are saying about Vista on Google. We work with integrity to ensure they’re confident and well-equipped for retirement.

Retirement planning in Beaumaris should start earlier than you’d expect because of the cost of living and high property prices. Even if you’re in your 50s, you’re still in a great position to make a real difference. The years before retirement are often the most powerful for building wealth inside super.

Working with a financial adviser in Beaumaris will help you understand when you can retire. Starting now gives your money more time to work and provides more flexibility later.

Yes. Vista Financial Group is a local Bayside firm with financial advisors in Beaumaris who have supported clients in the area for over 20 years. We provide tailored financial planning in Beaumaris to help individuals, pre-retirees, families, business owners and elderly Australians navigate retirement, super and long-term wealth decisions.

We create strategies to boost retirement savings, minimise tax and reduce any stress and uncertainty that comes with this stage of life. Our long-term clients value responsiveness and the way our financial advisers in Beaumaris tailor retirement strategies to suit their lifestyle.

For many Beaumaris residents, the question isn’t whether they’ve built enough wealth; it’s whether it’s structured to support retirement. With lots of equity tied up in their homes, it’s important to consider strategies for income and sustainability.

A financial planner in Beaumaris can help you understand how your assets translate into a reliable retirement income. We run detailed projections for every client to help them understand where they need and what needs to change for them to retire in Beaumaris.

The downsizer contribution is a valuable strategy for eligible individuals. If you’ve owned your home for more than 10 years and decide to sell, you can make a large contribution of proceeds from its sale into your super.

Several rules affect eligibility for the downsizer contribution, including:

1. You must be 55 years or older
2. You must have owned the home for at least 10 years
3. You can only make a downsizer contribution for a single home
4. You must contribute within 90 days of receiving settlement proceeds

You can contribute up to $300,000 per person, or up to $600,000 per couple, from the sale of a qualifying property. For Beaumaris homeowners with significant property value, it’s a practical way to convert equity into a flexible income stream.

You can only use this once in your lifetime, and the contribution needs to be made within 90 days of selling your home. The property must have been your principal place of residence for at least 10 years. A financial advisor in Beaumaris will ensure you meet all requirements for the downsizer contribution.

There is no formal “death tax” in Australia, but superannuation paid to non dependents, e.g. adult children, after you die can be taxed at up to 17%. For Beaumaris families with established wealth, this is an important part of financial planning.

When superannuation is left to non-dependents, such as adult children, tax is applied to the taxable portion. A financial planner in Beaumaris can help structure your estate to minimise tax and ensure your wealth is passed on efficiently.

Possibly. If your children are adults and financially independent, they’re considered non-dependents under tax law. Super paid to them as a lump sum can be taxed at up to 17% on the taxable component. It’s one of the most overlooked estate planning issues we see, and one of the most fixable.

Considering the high super balances of residents in Beaumaris, it’s an important consideration.  Speak with a Vista retirement planner in Beaumaris to discuss how to protect your legacy.