Financial planning is a dynamic process and your financial development needs to be regularly reviewed for changes in your circumstances. Economic conditions, government legislation and a range of issues may impact on your financial wellbeing.

No plan should be ‘set and forget’. To ensure our advice remains appropriate and continues to meet your changing personal needs and financial situation, we recommend regular reviews.


Your McCormack Financial Services Adviser will offer an ongoing review service based around your needs, which include:

  • A regular review of your situation to ensure needs and objectives are being met by your financial strategy. We will monitor your progress to ensure you are on target to achieve your financial objectives

  • Being available for regular consultation via phone and email

  • Providing you with information, technical advice and recommendations when there are significant changes in personal and financial circumstances

  • The ongoing monitoring of your portfolio and relevant recommendations based on changes in economic conditions, investment manager circumstances, opportunity, investment risk and financial strategy

  • Regular market commentary and newsletter

Self-Managed Superannuation

We understand that some people want hands-on control of their Super.

A self-managed super fund can be suitable for people with extensive skills in financial and legal matters. You must be prepared to research and track your super investments regularly if you want to manage it yourself. Super is your investment for your retirement, so don’t rush in. And of course, with added control comes added responsibility and workload.

It’s a big decision, and one that needs to be discussed with your professional partners - that is, your Accountant, Financial Planner, and Lawyer.

Personal Insurance and Risk Management

You never know what life is going to throw at you - but one thing you do want to know is that you are covered in the case of adversity. We have access to a range of Risk Insurance providers that can tailor a cover to suit your personal situation, because we understand that no two people have exactly the same needs.

We will conduct a needs analysis with you to ensure you are not over insured, or more importantly, under insured. We will also help you understand the various types of personal and business insurances that may be suitable for you, including:

  • Life insurance

  • Trauma or Crisis insurance

  • Business insurance

  • Incorporating insurance into your Super

  • Income protection

  • Total and permanent disability

It is important to review these regularly to adapt to your changing needs.


Retirement Planning

Retirement should be all that you’ve dreamed it to be and the reward you deserve for a lifetime of hard work! Whether you see it as a time to travel the world, pursue new interests or even work part-time, your goal is to retire from your job and not your life. There are many ways to make your retirement an enriching one.

The amount of annual income you will need when you retire is a completely personal number. It depends on the kind of lifestyle you have today and the kind of lifestyle you want to lead after you stop working.

When you retire, you may rely on more than one source of income, for example, your superannuation fund, personal investments and the Government Age Pension, if you are eligible. We can work with you to bring it all together. The important thing to remember is that we can be there the whole way with you.


Dealing with Centrelink can be a daunting process for many people. We can deal with them on your behalf. Centrelink benefits and concessions can be worth thousands of dollars and can make a substantial difference in your retirement. You need to be confident you are receiving your correct entitlement.

We have over twenty years of experience in dealing with Centrelink and we confidently claim an expertise in strategies that maximise Centrelink benefits and assistance.

We can complete Centrelink documents and lodge on your behalf with minimal hassle and stress.


Estate Planning

Estate planning is a vital part of every financial plan - and requires the involvement of lawyers, accountants and financial planners to ensure the right funds get into the right hands at the right time.

We can assist you by:

  • Ensuring you have a valid Will in place

  • Ensuring you update your Will when your circumstances change

  • Ensuring your life insurance policies reflect your needs, have the correct ownership structures and beneficiaries are in place

  • Explaining what happens to your super, debts, etc, after you’ve gone

  • Ensuring enduring powers of attorney are in place and up to date

Aged Care

By discussing with our planners early enough you can ensure your elderly parents transition to aged care with ease and dignity. Our advisers can provide a central point for relevant accurate information on aged care. Your family are able to make informed decisions and actions required to secure the appropriate level of care. Objective recommendations remove the emotion from the decision making process.

By receiving professional advice you minimise the potential for family disputes with a review of estate planning issues.