https://www.seasidewealth.com.au/blog daily 0.75 2025-04-28 https://www.seasidewealth.com.au/blog/investinginartinyoursmsf monthly 0.5 2024-09-03 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/ea328507-746e-44a8-bbd2-3f489bfdc06f/wherethemountain.jpg Blog - Seaside Wealth - Financial Planning Advice & Tips - Investing in art in your SMSF - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.seasidewealth.com.au/blog/whyyoushouldhaveagoodcreditrating monthly 0.5 2024-03-07 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/5758fb5c-7c05-4b1c-9e2e-93d139c9b42a/Credit.jpg Blog - Seaside Wealth - Financial Planning Advice & Tips - Why you should have a good credit rating. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.seasidewealth.com.au/blog/shouldyoubuytakeawaycoffee monthly 0.5 2024-02-27 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/e0bc481b-6596-4389-adcd-3c98c05be250/Coffee+beach+m.jpg Blog - Seaside Wealth - Financial Planning Advice & Tips - Should you buy takeaway coffee? 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- Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.seasidewealth.com.au/blog/Blog Post Title One-wpey6 monthly 0.5 2023-06-13 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1686177059508-X9ZL7KWO32DW56GKEHSL/Grapevines+Ocean+NZ.jpg Blog - Seaside Wealth - Financial Planning Advice & Tips - I bought my first house in 2000 for $59,000 and the Government gave me $7,000. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.seasidewealth.com.au/home daily 1.0 2026-01-26 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/2d76433c-4a42-4338-bad0-b71d58cf9e7e/shutterstock_548979424.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/cfca8c08-3a66-43d1-abc8-97eab34781b0/shutterstock_205827343+book+ocean.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/ae0a5429-41fb-48f1-9059-1e6f1c9950eb/shutterstock_653683495+02.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/70eee7d1-5443-4677-b987-ca9d6ade48a0/CLARE_SHEWAN-1_%285%29.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/fbecd408-fd94-4828-9182-0050e81f123b/Seaside+Wealth+Testimonials+07.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/2c0102f3-e059-4e5e-abf1-e358a73d0cac/Seaside+Wealth+Testimonials+03.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/71842fb8-e955-4c2b-be04-ebbd863e48eb/Seaside+Wealth+Testimonials+04.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/3ad1cf16-c34a-4745-a017-3f2c74593969/Seaside+Wealth+Testimonials+05.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/0f4d946f-d271-48f6-9f38-d5f062449c06/Seaside+Wealth+Testimonials+06.jpg Financial Advisor Brighton, Hampton, Sandringham, Black Rock https://www.seasidewealth.com.au/contact daily 0.75 2022-11-01 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1621415141214-H3WJQQ3C0YMBPP8CSAC5/Seaside+Wealth Contact https://www.seasidewealth.com.au/our-services/financial-planning daily 0.75 2023-06-14 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622950733890-1I8JKHU5KL3AT3LGYPI6/shutterstock_346254803.jpg Financial Planner Brighton, Hampton, Sandringham - Financial Planning No two clients have the same financial or lifestyle goals and your situation is unique to you. That is why it is important, to have personalised financial advice, as what is appropriate for you, may not be for someone else. You may have multiple super funds, assets that seem to be unorganised, with no direction. You may have inherited some money or be uncertain about what options there may be for your funds. Do you wonder, will I have enough for retirement and I am I doing the best I can for me? Ongoing financial advice gives you reassurance that you are not alone. To have an adviser who knows you, who understands your personal situation, what your financial goals are, the investments that are appropriate for you, allows you to focus on enjoying your life. https://www.seasidewealth.com.au/about-us daily 0.75 2026-03-09 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/cc62bf04-8cac-438f-ad3d-4ece965ec547/CLARE+SHEWAN+HR_20MG_cropped.JPG About Us - Clare Shewan (MFinPlan) Senior Financial Adviser/ Principal at Seaside Wealth Authorised Representative (No, 001242970) https://www.seasidewealth.com.au/help daily 0.75 2021-06-03 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622693836867-UOYV4NUGQIFHBOXERH5F/shutterstock_236128513+Help+Bottle.jpg HELP - Do you need help? What we can help you with! Organising your finances. Structuring the ownership of your assets - taking into account tax ongoing consideration and timing of disposal of assets. You should have a long term plan for all investment decisions. Protecting you and your famiy - insurance and estate planning. Chosing the right investments for you Estate planning Having some one to manage your finances so you can get on with enjoying your life. https://www.seasidewealth.com.au/financial-services-guide daily 0.75 2026-02-10 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622952355800-49FIV6CRKBWDOEZ2FNK4/Seaside+Wealth Financial Services Guide - Financial Services Guide Our Financial Services Guide is very important as it contains information that you should read about: Our services Our fees Our ongoing advice service Your privacy How to make a complaint https://www.seasidewealth.com.au/privacy-tscs daily 0.75 2021-06-17 https://www.seasidewealth.com.au/our-services/investment-risk daily 0.75 2023-06-15 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622959323750-3A95WWXYQ7PS1RSMRVEA/shutterstock_515663761.jpg Investment Risk Brighton, Hampton, Sandringham - Investment Risk Understanding your Investment risk in all conditions is important. You may feel confident and comfortable with your investments in a market that is moving upwards, but how comfortable would you feel if the market took a sharp turn downwards and what are you likely to do? That is why it is important to review your investments, to determine what defensive (cash + fixed interest) and growth (shares, managed funds, property) mix is right for you. Your sex, age, financial goals, personal experiences and situation in life will all play a part in the amount of risk you wish to take, when it comes to investments. Over time, people tend to become more conservative with their investments and once retired, preserving their capital can be a priority. We complete a risk questionnaire with all of our clients and discuss previous experiences with investing and if you slept at night when investments dropped in value quickl https://www.seasidewealth.com.au/our-services/retirement-planning daily 0.75 2023-06-09 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622959438986-7CJ1ZC3N0RK9SB3CAG00/Seaside+Wealth Retirement Planning Services Brighton, Hampton, Sandringham - Retirement Planning Have you thought about your retirement? What age do you want to retire and how much income do you need, to enjoy the retirement you may have dreamed of? Are you putting extra into your superannuation and should you? Having a long term plan that starts from now, is a wise move. You may already be retired and need assistance with managing your pension and other assets? Would you rather sit and relax, while your Financial Adviser looks after your retirement savings? https://www.seasidewealth.com.au/our-services/self-managed-super-funds daily 0.75 2023-06-15 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622951936508-9U4NJX19BRPUIU988QAO/Seaside+Wealth Self Managed Super Funds - Self Managed Super Funds Do you already have a Self Managed Super Fund and need help with ongoing investment advice? Is a Self Managed Super Fund suitable for you? A Self Managed Super Fund allows flexibility with assets including property and other investments like collectables, art, cars etc. These assets cannot be for personal use. There is an initial set up cost and generally set costs to run a SMSF. There is also a cost to close them down and this may take some time. Our preference is to look after SMSF’s with a minimum balance of $500,000, due to the ongoing cost and attention required. The Trustees of the Fund have obligations and duties they must carry out. They must be responsible and take the wheel. The ability to have multiple members, allows combined superannuation assets in the one fund. https://www.seasidewealth.com.au/our-services/investments daily 0.75 2023-06-14 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622960867911-CSQMA77R40Q7S0UISMVX/Seaside+Wealth Investments - Investments Investment choice can be hard. Before considering what assets are appropriate for you, there are some important considerations: How should I structure the ownership, what are the ongoing tax consequences and what happens if I sell them? How liquid are they? This means, if I want to sell them, how long do I have to wait until I get my money. If I want to leave them to someone, how do I do this? Having a financial adviser with a real passion for investment selection, who researches funds and investment products, to better provide appropriate recommendations, will save you time and take the guess work out of things. https://www.seasidewealth.com.au/our-services daily 0.75 2023-08-21 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622953772372-ZXT47CC3GS1L4F4DDM2X/shutterstock_346254803.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622960867911-CSQMA77R40Q7S0UISMVX/shutterstock_423134989.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622951936508-9U4NJX19BRPUIU988QAO/shutterstock_155410985+Road+ocean.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622959438986-7CJ1ZC3N0RK9SB3CAG00/shutterstock_414414001_02.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622958580319-FBSF47R8S6TOANI6XO9H/shutterstock_1091547029.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622959323750-3A95WWXYQ7PS1RSMRVEA/shutterstock_515663761.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/fa96cda4-139e-403c-afec-b2a44963004d/shutterstock_1639399213.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/6695b158-368a-40dd-83d1-98b637ac8860/Succession+Final.jpg Our Services https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622955021547-LWINYNZBNCKZFLPP5GGH/shutterstock_618175013.jpg Our Services https://www.seasidewealth.com.au/our-services/estate-planning daily 0.75 2023-06-15 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622958580319-FBSF47R8S6TOANI6XO9H/Seaside+Wealth Estate Planning - Estate Planning Estate Planning is very important, as we are all going to die one day. A Financial Adviser can’t write your will, draw up your Powers of Attorney or Testamentary Trusts. You would need to seek the expertise of a Legal Professional. Did you know not all assets are estate assets? There are some investments that can be left to individuals, which won’t form part of your estate. You may wish to leave money to grand children or a family member or friend, that is separate from your other assets. If you have a superannuation or pension fund, have you nominated a beneficiary or beneficiaries and do you understand what this means? When you leave assets to others, there may be tax consequences to consider. https://www.seasidewealth.com.au/our-services/insurance daily 0.75 2023-06-09 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/1622955021547-LWINYNZBNCKZFLPP5GGH/Seaside+Wealth Insurance - Insurance Are you adequately insured? Do you have an insurance claim, that you require assistance with? Are you a business owner and need key person insurance? Insurance can be expensive, but affords peace of mind, that if something were to happen to you, you and/or your loved ones would be taken care of. It can be structured in different ways and it is important that tax considerations are taking into account, should you need to make a claim. https://www.seasidewealth.com.au/our-services/esg daily 0.75 2023-06-15 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/fa96cda4-139e-403c-afec-b2a44963004d/shutterstock_1639399213.jpg ESG - ESG ESG stands for Environmental, Social and Governance. To break it down further (but not limited to): Environmental dimensions may be: Climate Stability; Climate Change Action; Water and Waste Management; Natural Resources; Energy Efficiency; Greenhouse Gas Emissions & Reductions; Circular Economy. Social dimensions may be: Diversity and Inclusion; Human Capital Management; Working Conditions – Labour Standards'; Health and Safety; Human Rights; and Eradicating Modern Slavery. Governance dimensions may be: Risk Management; Transparency – Reporting and Disclosure; Anti-Bribery and Corruption; Board Structure and Decision-Making Process Across the Board; and Cybersecurity. When you consider measures for how companies have integrated ESG frameworks into the way they conduct business, this is termed as Responsible Investing. If your goal includes tailoring your investments to have some ESG exposure or to be solely focused on ESG investing, talk to us about how we may be able to provide you with recommendations to suit your investment needs and timeframes. You can also learn more about ESG investing at Environmental Social Governance (ESG) investing - Moneysmart.gov.au. As the demand for ESG investing increases, we may be able to assist you to invest in companies that provide greater clarity of accountability, standards and practices in place, that are working towards more positive outcomes for the world including the flora and fauna, all humans and the creatures that inhabit it. https://www.seasidewealth.com.au/our-services/succession-planning daily 0.75 2023-06-15 https://images.squarespace-cdn.com/content/v1/60a31fdbfe8a1614a13d3153/6695b158-368a-40dd-83d1-98b637ac8860/Succession+Final.jpg Succession Planning - Succession Planning Is succession planning important to you? What is it exactly? It is most often passing on the wealth you have accumulated over your lifetime to others in your family in a tax effective way for future generations to receive the benefits. The key is identifying what it is you want to pass on, who you want to pass to, then understanding the implications and the timing required to fulfill this. Succession planning can be setting up structures to hold investments to be passed on upon your death or at a nominated date in time. There is the potential some of these structures could be treated separately to your Estate to be a confidential way of passing on wealth to certain individuals. This can be a sensitive matter in split families or those with problematic behaviour. You could potentially have large capital gains on your investments you intend to pass to your loved ones/intended beneficiaries/charities etc. Depending on your current tax bracket, the connection between you and your intended beneficiary and their potential tax bracket at the time of inheritance starting a process of selling these down over a series of financial years may create a better outcome and reduce any associated Capital Gains Tax. It is important to get this right and having a plan in place to ensure you know what action needs to be taken and when. Working with a Financial Planner, along with your Accountant to facilitate this and guide you through all of the associated tax and other financial planning intricacies of your particular situation and wishes would surely see you and your loved ones/intended beneficiaries in a better position than not taking any action. Are you aware of how much tax will need to be paid from your superannuation if it is passed on to your non-dependent children or your Estate and what options you have to potentially reduce this? Do you have assets in Family Trust structures or a Business that need reviewing and future planning? What can you do? Speak with me today.