Pivotal to your plan is sound technical advice. Your relationship with money, your spending habits, and general financial approach are all formed subconsciously at a young age. We instinctively learn from our parents and the people around us, absorbing their attitudes towards money and seeking their guidance.

In an evolving financial environment, to gain the upper hand and extract the most from your finance, you need the support of a strong team. Our Accounting service partner was founded in 1972 and have a rich history of over 50 years providing exceptional service. The team are dedicated to supporting individuals and the community with expert financial solutions and unwavering commitment to quality.

Together we provide complete services to cater for your accounting needs. We can cover your tax and compliance work requirements, consulting, SMSF and Real Estate Trust auditing and complex structuring advice. Coupled with our Legal Advisory services (See Legal Services tab), we have the capacity to deal with the challenges that may arise along your financial journey.

While the best time to get tax advice is before your start a venture or acquire an asset, it is generally beneficial to review your structure and tax planning on a regular basis. Together with our Accounting Service provider we can help you better understand your Tax position and identify strategies available to legally reduce your tax obligations.

Our Annual Subscription family office styled service can be tailored to include all your Taxation preparation and lodgement needs via our Accounting Service provider.

To find out more request an obligation Free Service Introduction Today.

Lending is more than just finding low interest rates. Knowing which lender to approach and how their requirements will impact your borrowing capacity is the key to successful lending. This is where our related entity, Clever Lending can help.

Ultimately, lending is the process of communication and the sharing of information with the goal of obtaining suitable finance to achieve your purchasing objective. While it sounds simple enough, with so many lenders, products, loan features and offers available, navigating the lending environment is complex, confusing and time consuming.

From the bank’s perspective, Lending is a process of risk assessment. They are seeking to determine their likelihood of receiving the borrowed funds back, on time, with sufficient return to justify their risk. Therefore, each bank and financial institution has different servicing requirements. This adds to the complexity of choosing the right lender.

As a borrower, it’s important to get your strategy right. This includes taking into account more than just the bank’s lending requirements. We can help you determine the right strategy with consideration of the potential future impacts on Income Tax, Capital Gains Tax and Stamp Duty. We will also consider ownership structures. With the right advice you can potentially save yourself thousands of dollars of tax in the future and/or protect your assets better.

There is a lot of work behind the scenes to go from lending enquiry to a settled loan. Clever Lending will clarify your lending objectives, review your strategies and provide the right solutions to suit your needs. They compare 1000s of loan options and do this with no charge to you: they are paid by the banks, only when the job is done, and your loan has settled.

With accreditation to over 30 financial institutions, Clever Lending can find solutions for most lending needs. Their lending network includes all the major Banks along with numerous specialty lenders, niche and non-conforming lenders, private lenders, and access to many more.

To find out more request an obligation Free Service Introduction Today.

It’s clear that investors in Australia love property. People love the tangible nature of Bricks and Mortar. It’s easy to understand why with its income earning potential, history of long-term capital growth and current favourable tax treatment. A well selected investment property combined with the right gearing strategy is the basis of many wealth building plans.

When it comes to property there are so many options. Houses, Units, Townhouses, NDIS, Defence Housing, Commercial Property, Vacant Land, Farms, Student Accom, Share Accommodation, Short Term Rentals, Retirement Homes. The list is expansive, so, which is right for you?

Everyone says Location, Location, Location, but which location is right? Is it Land that you need? Do houses outperform units? Does it differ depending on location? Is it Blue Ribbon? Is it population growth areas? Infrastructure development? Employment Driven? Greenfield new sub-divisions or Infill development in existing Suburbs? Do you need to be able to see it? What about foreign markets?

From a tax perspective, a lot of property investors take advantage of Negative Gearing. This is a strategy of investing borrowed money in a manner that results in a loss that can be claimed as an income tax deduction. This happens when the claimable costs of owning a rental property exceed the rent returns you earn.<br<
Property receives favourable tax treatment in a few ways. Depreciation and Capital Gains Tax (CGT) Discounts are two examples. An investment property owner can claim depreciation costs, using a depreciation schedule, even though the costs are not actually incurred by the investor. The use of depreciation makes it possible for the right properties to have a positive pre-tax cashflow and yet still be negatively geared.

Ideally a negatively geared property will return a future Capital Gain for the investor. Depending on the holding structure used and duration of ownership, current tax laws provide significant CGT discounts to the investor when they sell the property.

At Clever Advice, we can assist you to understand the benefits of property investment, help develop and interpret cash flow analysis scenarios and see the potential tax implications of your purchase. We’ll help you understand different investment approaches and learn the pitfalls to avoid.

Ultimately, your property selection will come down to your specific property investment strategy and personal preferences. The choices you make will depend on your budget, time frames and income objectives. Typical strategies aim for a combination of Capital Gains, Cash Flow, or Tax Benefits with either a Short-Term or Long-Term hold. The right property for a short-term capital gain strategy will differ to a long-term income strategy.

When it comes to property selection, the choice is yours. To assist in this process, we have identified a number of property specialists and buyer’s agents who we believe are research backed and have the experience, methodology or track record to justify their recommendations. We have selected a diverse group to represent and provide advice across a broad spectrum of property types, locations and strategies.

To find out more request an obligation Free Service Introduction Today.

Buying a property is often the biggest financial transaction a person will make in their life. Finding the right property in itself is often a stressful journey, so the last thing you need is a difficult settlement process. Before you sign your contract, it makes sense to seek legal advice first – sellers and agents have their own interests in mind, but a good conveyancing lawyer is there solely to protect your interests.

Conveyancing should be a seamless process. There are so many parties involved in the background – the seller, their bank, their solicitor, your bank, the bank valuers, your conveyancer, your planner, your mortgage broker, your accountant and the system that links them all together. Knowledge of the process coupled with clear and transparent communications makes the journey easier.

If you have a relationship with a conveyancer who you know and trust, fantastic. If not, at Clever Advice we highly recommend the conveyancer that we use ourselves. They are a national law firm that specialises in conveyancing, with the capacity to facilitate interstate property transactions. We have assisted many people in their property acquisition journey and have found their team and systems to be highly convenient and transparent.

Their digital service is designed to save you time and reduce stress across the many different aspects of a property transaction. You and your advisers can stay in the loop with transparent 24/7 access to documents, updates and messages with all communications delivered straight to your mobile device.

They will appoint a legal adviser who will handle your conveyance. They will guide you and advise you through the process. They will research into the property in order to prepare your contract to make sure you are protected and get the best deal.

To find out more request an obligation Free Service Introduction Today.

Depreciation is the second largest deduction claimed by Australian investment property owners, only second to interest. An investment property owner can claim depreciation costs, using a depreciation schedule, even though the costs are not actually incurred by the investor. It’s a noncash deduction available without an expense.

A depreciation schedule can help unlock the cash flow potential of your investment property, often resulting in thousands of additional dollars for the owner each year. There are many factors that determine the amount of depreciation available to be claimed for a property including the property age and its level and type of furniture and fixtures.

The use of depreciation makes it possible for the right investment property to have a positive pre-tax cashflow and yet still be negatively geared. The schedule needs to be prepared by a quantity surveyor. The fee for its preparation is Tax deductible. There are a number of providers offering this service for you to choose from.

At Clever Advice we recommend the services of BMT Tax Depreciation. They have specialist construction cost knowledge allowing them to analyse every available deduction and provide the most comprehensive schedule on the market. Their services are Australia wide. They have completed over 900,000 tax depreciation schedules.

We have arranged a discount for Clever Advice clients. To find out more request an obligation Free Service Introduction Today.

Insurance is about the transfer of risk, from you to the insurer. It is effectively a payment by you in exchange for a contractual promise made by the insurer. A promise to make a payment, take responsibility or incur costs in the event that certain covered events occur in the future.

While Life Insurance provides coverage for an individual for personal accident and/or sickness events (See Planning Services – Life Insurance), General Insurance covers broader risk types that potentially involve other parties or other assets. These include coverage like car insurance, home and contents coverage, landlords’ insurance, and third-party liability coverage like Professional Indemnity, Medical Indemnity, and Public Liability.

While you can arrange this type of cover directly with the insurance providers, our experience has shown us that a specialised adviser with the right product knowledge can help you to get the right coverage and avoid the potential mistakes commonly made. Not all insurances with the same label provide the same coverage. Product terms and definitions can vary significantly, potentially leaving you exposed when you thought you had coverage, or, paying more than you need to for coverage you don’t need.

A good adviser knows the right questions to ask to correctly identify your risk exposure and select the coverage that is right for you. Our General Insurance related service provider has the knowledge and experience to help guide your General Insurance needs.

To find out more request an obligation Free Service Introduction Today.

In business and in finance, problems or disputes can quickly spiral out of control, causing considerable stress, loss of assets or revenue, significant loss of time and potential loss of reputation. While a conversation between parties may resolve some things, when there’s a substantial amount of money at stake and no agreeance, it can get far more complex quickly.

When planning for the future, undertaking a new venture, or acquiring an asset, it’s important to consider the legal side. A carefully drafted contract or agreement prepared at the start could possibly prevent future disputes and save considerable costs later.

Before committing to a significant investment, it is important to get clear and concise advice. The right Legal practitioner will help you understand your risks and options, so that you can plan ahead and move forward with confidence.

Our Legal Services related service provider has extensive experience in several critical areas of business law including Banking and Financial Services Law, Corporate and Commercial Law, Insolvency and Restructuring, Estate Planning, and Dispute Resolution and Litigation.

They will explore a diverse range of options to determine what is the best approach to get the best possible result for you. They keep you informed with easy-to-understand advice about the options available, what’s involved in the steps, and when a direct engagement is needed, how they can step in quickly to protect your interests.

Coupled with our Legal Advisory service providers we provide you with the confidence that your plan is robust and have the capacity to plan for and address the challenges that may arise along your journey.

To find out more request an obligation Free Service Introduction Today.