Wills & Estate Planning

Personal Insurance

Investment Advice






You’ve worked hard all your life, and now it’s time How would the loss of your Income     affect your plans There is no time like the present to start creating We believe Estate Planning is a      fundamental cornerstone

Gold Coast & Brisbane Financial Advice

Some of the specific areas we provide financial advice in are, Personal Insurance, Wills & Estate Planning, Investment Advice and Tax Planning, Retirement Strategies, Superannuation, Pensions, and Debt Management.

These areas can be highly complex and it is advisable that you seek expert financial advice. We have the experience and knowledge to provide comprehensive financial planning advice in all of the above areas. In cases where advice is only sort in a specific area we are happy to limit the scope of advice in accordance to the clients instructions.

We charge a fee for service on all advice areas other than for personal insurance when we are paid commission from insurance companies. We will always advise you of the fee prior to engaging in our services and all our fees are completely transparent.

We offer an ongoing service to our clients and charge on a fee for service basis, this is based on the level of work and advice required.

Feel free to contact us and we would happily provide you with a quote on the cost after assessing your needs and the level of work required.

Financial Planning Gold Coast & Brisbane

Integral Financial Planning is located on the Gold Coast at Nerang on the Nerang River, Gold coast however we have the ability to meet and service the needs of clients in Brisbane and other areas. We are qualified and experienced in all areas of providing Financial Planning advice.

We believe we can provide you with direction and give you meaning to your financial decisions, based on your personal goals and objectives. We assist in planning for the various changes in your personal circumstances no matter your life stage.

Our team will help you see your financial decisions in the bigger picture and provide you with peace of mind when there is uncertainty and doubt.

Integral Financial Planning approach the financial planning process in a holistic and comprehensive manner, this way we can ensure the advice we provide is appropriate, timely and effective. We work with you to understand your needs and assess the plans you may already have in place. We will clearly explain the range of financial strategies and options available to you and your family. Furthermore we will continuously keep you up to date on new opportunities that may arise and be right for your situation. The biggest misconception about Financial Planning advice has traditionally been the emphasis placed on product. Our focus and priority is to provide you with appropriate strategic advice providing you with the best opportunity to achieve your personal and financial goals.

Integral Financial Planning is committed and endeavors to build long term sustainable relationships. To ensure this is the right move for you, we encourage you and your family to sit down with us, for an initial consultation at our expense.

We have clients ranging from Far North Qld, Brisbane, Gold Coast, Tweed Heads, NSW, Victoria, Western Australia and Internationally. Location is not a problem these days, with the latest technology at our fingertips we can see you any where.

We welcome you to take a closer look through our site and make contact with us if you have any questions or if we can be of assistance.

2016 Federal Budget Analysis

Play the video below for the MLC analysis of the 2016 Federal Budget. For further information and a copy of our 2016 Budget Summary Analysis simply click here.

2015 Federal Budget Analysis

Play the video below for the MLC analysis of the 2015 Federal Budget.

The importance of Retirement Planning

Retiring from the paid workforce is one of the most important life changes most of us ever make. So why aren’t more Australians better prepared? Here are some issues to think about and steps you can take to become truly retirement ready, so you can enjoy the lifestyle you’ve been looking forward to. Retirement is Continue Reading

Free Home Loan Review and Enquiry

      There is no time like the beginning of a New Year to conduct a review of your existing Mortgage or talk with a Mortgage Broker about the possible purchase of your first home, a new home and or an investment property. By talking to one of our affiliated Mortgage Brokers they will Continue Reading

The Foundation to a Successful Financial Plan

Justin talks about the importance of budgeting in this video and why he considers it to be the important foundation to any successful Financial Plan.

Our Uninspiring Political Parties & Government Leaders

This rant is not about any Australian Political Party in particular more of a general observation but I do think our last government did an extremely poor job. I was happy when we realised our last change in government hoping that things would be for the better, but seriously the current government sabotaged themselves before Continue Reading

Cheaper Life & TPD Insurance through Super

Did you know you can save money by buying your insurance in super? This is because super can offer both cash-flow benefits and tax concessions. Most super funds offer insurance that can help you, or your dependants replace your income if the unexpected was to happen. This includes Life, Total and Permanent Disability (TPD) and Continue Reading

Biggest Tax Free Income Opportunity a miss!

It alarms me when I think about how many prospect clients I’ve seen over the years that were not aware of some common strategies that could save them significant tax and increase their retirement savings. Even after telling many of these  prospect clients what the benefits are, how it may work, and the fact they Continue Reading

Hidden Tax Increase for Pre-Retirees

With the announcement of the 2014 Budget on the 13th of May it’s highly likely we will all be paying more tax in some shape or form with some significantly more than others. • For those that earn in excess of $180,000 it means a 2% increase in income tax (Budget Repair Levy) on the Continue Reading

Retirement Income Planning and Risks

Most people don’t consider the various risks associated with retirement income planning such as sequencing, longevity, inflation, consumption and execution risks. We have provided you with a series of videos with Moshe Milvesky a Canadian Finance Professor that has conducted much research and is considered to be a specialist in this field to walk you Continue Reading

2014 Australian Federal Budget

In one of the more highly anticipated Federal Budgets, the Government announced major changes that could warrant a review of your financial plans. Note: These changes are proposals only and may or may not be made law. The following Federal Budget Analysis prepared by GWMAS trading as MLC Technical appears below. Summary • A Temporary Continue Reading

Gold Coast Mortgage Broker & Home Loans

Integral Financial Planning is located on the Gold Coast and we partner with some of the most experienced mortgage brokers in the industry. Our purpose is to serve and provide, trustworthy, effective and reliable advice to our clients. For this reason we have sourced similar like minded brokers to look after our clients lending needs Continue Reading

Financial Planning for Young Families

For most young families consulting a Financial Planner or Adviser is usually placed on the back burner as they feel they are not in a position to do anything or pay for advice. Unfortunately not getting financial advice at this stage in your life can be costly. There are so many important areas to consider Continue Reading

Financial Planning Priorities

The beginning of a new year is the perfect time to review all your personal financial and legal affairs. You really can’t expect to be a winner if you simply fail to plan! Why not start the year off on a positive note and attend to all those important matters that you keep postponing and Continue Reading

Building Wealth via Debt Recycling

What are the benefits? By using this strategy, you could: • Replace inefficient debt with efficient debt on a regular basis, and • Establish an investment portfolio to build your long-term wealth. How does the strategy work? While it’s important to reduce inefficient home loan debt as quickly as possible, it’s also important to build Continue Reading

Managing Job Redundancies

If you are leaving your employer due to redundancy, you have a great opportunity to make a fresh start. You could work for a different organisation or pursue a different role in the same industry. You could even think about a carer change, become self employed or consider retiring. Regardless of what your next steps Continue Reading

Economic Update for August 2013

Update was prepared on the 8th August 2013 by Ben McCaw, an MLC Portfolio Manager This month Ben discusses a number of different areas: Why both shares and bonds rose over during the month What factors kept the Australian dollar moving downwards How there are signs of recovery in the US, Europe and Japan, and Continue Reading

Super & Transition to Retirement Strategy

It’s absolutely not too late to start saving more for your retirement in your mid to late fifties even in your sixties. What’s more if you have some surplus cash to put aside, super is generally the most tax-effective option.  This is because of the low tax rate payable on investment earnings in super and Continue Reading

What is a Reversionary Beneficiary?

            A reversionary beneficiary nomination enables you to elect for your pension payments to automatically continue to be paid to your spouse (or certain other people) in the event of your death. If this is your preference, then completing a reversionary beneficiary nomination can provide you with some certainty that Continue Reading

Gold Coast & Brisbane Retirement Planning Advice

Retirement Planning is critical to ensure that you live the lifestyle you deserve and have dreamed about all your life once you finally reach retirement . There is nothing worse than trying to wing it and not having a road map;  chances are without  proper planning you will end being somewhere else. At Integral Financial Continue Reading

Gold Coast & Brisbane, Wills & Estate Planning

If your considering getting advice and preparing a Will either on the Gold Coast or in Brisbane you should carefully consider using experienced professionals in this field. The Gold Coast and Brisbane has many firms that hang a shingle claiming they provide Estate Planning and Wills advice. Unfortunately there are only a few that are specialists in Continue Reading

Can my Will be challenged?

A Will can be challenged for a host of reasons ranging from improper signing of the document through to complaints that it did not adequately provide for potential or actual beneficiaries. Sound estate planning ensures that the formalities needed to have a valid Will are satisfied and that the scope for dispute about its terms Continue Reading

Is my Will invalid?

Obviously, an invalid Will is an important reason for reviewing and updating your estate planning affairs. If you are uncertain as to whether your Will & Estate Plan is valid, some of the things that might cause it to no longer be relevant or legally enforceable include: (a) if you or a person named in the Continue Reading

What happens if I die without a Will?

If you die without a Will, the law says that your assets will be distributed to your family, as determined by a set Government formula, which is different in every Australian state. To provide some general examples of the possible outcomes (bearing in mind the actual outcomes will be different in each state), if you die leaving: (a) your Continue Reading

What is a Testamentary Discretionary Trust?

A testamentary discretionary trust is a trust established in someone’s will. It comes into existence only when the person dies. A lineal descendant testamentary discretionary trust is a trust established in someone’s Will for the benefit of their lineal descendants. Let’s assume that someone died at Point A. The executor’s job involves finding all the Continue Reading

Do I need a Will?

A Will is generally the most important document any person signs. After death the terms of a Will can only be altered by a court and unless a court intervenes, the Will regulates how the deceased’s assets are to be finally dealt with. There are many things to consider as part of your Estate Plan. Continue Reading

What is a Will?

Integral Financial Planning is located on the Gold Coast and can help you facilitate your Wills and Estate Planning needs. A Will is a document that enables you (the testator) to direct who is to receive the assets from your estate and on what terms, after your death. A Will allows you to appoint who Continue Reading