OUR SERVICES

CUSTOMISED FINANCIAL SOLUTIONS

Whether you want to protect your family with insurance or you would like to invest your hard-earned money, Dixon Financial Group can offer you customised financial planning and solutions to meet your needs.

Browse the sections below for more information on our services.

SUPERANNUATION

It feels like changes to the laws governing superannuation are almost constant – this creates both opportunities and risks.
  
With over 40 years combined experience between our three Financial Advisers, the advice you receive at Dixon Financial Group is both sound and up to date. We do not only advise on which investments to choose, but also consider different strategies around contributions, transition to retirement, pension, Self-Managed Super (SMSF), funding insurance premiums… the list goes on.

For many people, Superannuation funds are the biggest financial assets that they will ever own. Over the past 26 years, we have had numerous dealings with clients who have accounts with GESB Gold State, West State, Plum (Worsley & South 32), Mercer (Crystal Global) and other common superannuation funds in the South West. Regardless of your fund type, it is always beneficial to obtain personalised advice to help you realise the full potential of your investment. 
INVESTMENTS
We all have different goals and objectives in life. Your goal may be to save up to buy your first home or to put money away to enable you to retire early. Maybe you would like to invest an inheritance that you’ve received or you may be planning on leaving your children an inheritance one day.

Outside of superannuation, there are many other structures which can be used to invest your money – family trust, insurance bond, retail investment platform or off platform. Your personal circumstances will determine the structure that is most suitable for you.

Dixon Financial Group is not aligned with a bank. This allows us to have a very broad offering and enables us to advise on many platforms, such as Asgard, BT, Colonial First State and MLC. We have numerous fund managers to choose from as well as the ability to invest directly in shares.

Our Advisers provide goal-based advice, tailoring a customised investment strategy, designed specifically for you, to help you achieve your goals.
INSURANCE / WEALTH PROTECTION
Protecting you & your family’s wealth and way of living can be as important as implementing an appropriate wealth accumulation strategy. The default insurance cover provided by some superannuation funds may not always take your personal circumstances into consideration, which could mean that you are not adequately protected.
 
One of the main reasons that individuals are not concerned with obtaining sufficient insurance cover is that they feel like “It won’t happen to me”. Research undertaken in 2010 by the National Centre for Social and Economic Modelling (NATSEM) found that one in five Australian families will suffer from an insurable event during the parents’ working lives. 18 families in Australia lose a working parent every day of the week. Each year there are 236,000 people of working age who suffer a serious injury or illness and, of these, 17,000 are forced out of the workforce for a prolonged period of time.

With Australians in more debt than ever before, it has never been more important to insure your life and your ability to earn an income. The Advisors at Dixon Financial Group can compare and evaluate different policies, offered by many of the top insurers in the country, to find the policies that are best suited to your needs.
ESTATE PLANNING
We feel that estate planning is a very important aspect of financial planning, and that all Australians should have an estate plan in place to ensure their assets are managed according to their wishes. 

At Dixon Financial Group, we can assist you with advice on setting up wills, enduring powers of attorney and testamentary trusts. We can also assist you with protecting your estate from the tax man and in-laws, because no one wants to pay more tax than they have to!
DEBT MANAGEMENT
At Dixon Financial Group, we have a range of different strategies that can assist you in managing your debt by paying it off sooner, reducing your interest expense and making the most of efficient and reducing inefficient debt. We can also provide advice on gearing strategies, borrowing money for investments through line of credit and margin loans.

In addition, we are able to offer advice on reverse mortgages, to access the equity locked up in your home for a source of funds in retirement.
RETIREMENT PLANNING
“How much is enough for retirement?”, is a commonly asked question. The answer to this question depends on many factors, including your chosen retirement age, how long you live and what type of lifestyle you would like to lead in retirement.

According to the ASFA Retirement Standard, a couple leading a modest lifestyle will require $34,855 per year (if they’re homeowners), while a comfortable lifestyle would increase the annual living cost to $59,971. For people retiring at age 65 and who will live to an average life expectancy of about 85, ASFA estimates the lump sum needed to support a comfortable lifestyle for a couple is $640,000, assuming that they will be entitled to receive a partial Age Pension.

At Dixon Financial Group, our advisers can do calculations for you to determine how much you will need at retirement and make recommendations on strategies that could be implemented to help you reach your goals, based on your specific needs, objectives and personal circumstances.
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