See how we can help you
Plan for Retirement
Your health and independence will be fundamental to a long and happy retirement. Similarly, a strong financial position is key to you enjoying the choices that a comfortable lifestyle can bring.
We can work with you and help you consider your goals and aspirations. Work out when you’ll have access to your super and how to maximise any Centrelink entitlements you may be entitled to. We can help create a plan that covers all the financial aspects of building your next chapter.
Make the Most of Retirement Funds
Retirement is a life event that many of us long for, dreaming of the day we can enjoy the rewards of years of hard work. But it can also mean a period of adjustment as we settle into a new version of our life.
Together, we’ll work through how to arrange the money you do have, and we’ll help you create a strategy to help achieve your retirement goals.
Help Make More of my Money
If you’d like to make more of your money, it might be time to consider whether your money’s working hard enough. The right advice could make a difference to how much you end up with.
It can be challenging to identify which investments are the right ones, and what risks they may bring. We’re here to share our passion, knowledge and experience. Together we’ll create a strategy to help you get to where you’d like to be.
Receiving or leaving an inheritance
Beneficiaries who receive items of value as part of an inheritance often face unexpected financial decisions. It can be challenging to know what to do. We can help you identify your options and seek any other advice you may need.
Whether you’re a beneficiary or you’re planning to leave something behind, a valid will is essential. If necessary, we'll work with your lawyer or put you in touch with one so that your estate planning needs can be met.
Whether it's renovating your house, paying for your child's education, saving for retirement or travelling overseas, everyone's financial goals are different. At Calan Wealth Management, we look to partner with an investment manager that will help you to achieve your goals.
Two sets of experts, one goal
Whether it's renovating your house, paying for your child's education, saving for retirement or travelling overseas, everyone's financial goals are different.
At Calan Wealth Management, we look to partner with an investment manager that will help you to achieve your goals.
Achieve your financial goals
We're here to guide you on the path to financial security. We're here to understand what is important for you and your family and to identify your financial goals, needs and aspirations. We can help you plan for the lifestyle you want and build the strategy that you need to get there. Based on your financial goals and your risk capacity, we create a sound, well-researched investment strategy.
It’s simple: we align our investment goals to yours
We focus on growing and preserving your savings. We don't let ourselves get hung up on comparing your investment strategy to arbitrary benchmarks like a share market index, such as the S&P/ASX200. To determine your investment objective, we start with the rate of inflation and add to that an additional amount of return needed to achieve your financial goals. So your objective and the obiective of your investment portfolio are the same.
Why is it Important to Beat Inflation?
Introducing the CPI+ objective
Inflation is the increase in the average level of prices, or in other words, the cost of living. It's measured and tracked using the Consumer Price Index, or CPI. It stands to reason that as prices increase, your savings need to increase so that you maintain your buying power and standard of living. That's why it makes sense to define an investment objective that starts with keeping up with inflation, then adding an additional amount agreed between you and Calan Wealth Management achieve the CP|+ objective needed to reach your goals.
The same definition of risk as you
We work with you to establish the level of risk that is needed and that you're comfortable taking to achieve your financial goals. We think about risk differently to others in the industry - we don't use terms like price volatility and standard deviation. Instead, we use a more practical definition - losing money that can't be made back.
For our clients, that's the risk of not having enough money to achieve your goals or having to change your lifestyle so that your savings last throughout retirement.
We then work with an investment manager that has the flexibility and expertise to invest in an asset class (such as shares, cash, fixed income and property) only if it makes sense to do so. If the reward isn't worth the risk, we want to avoid the investment or asset class completely.
A diversified and professionally managed investment portfolio
Building a portfolio to achieve your investment objective requires careful research and analysis - it's important that your assets are entrusted to the right investment partner. We look for a professional investment manager that builds diversified portfolios where every investment is chosen to help you achieve your investment objective more reliably.
We look for an investment manager that invests across well-known investments such as shares and cash, as well as some harder to access investments such as infrastructure.
While those are all important considerations, we look for an investment manager that's able to do this in the most cost-effective way. We've seen the detrimental impact that high fees can have on your returns over the years. For you, this means a professionally managed, cost effective investment as a vehicle to reach your financial goals. We look to provide you with peace of mind that you're invested in a diversified portfolio that's able to provide you access to good investment opportunities throughout the market cycle.