Welcome to Focus Partners

Chartered Accountants and Financial Planners
Albury Wodonga

Welcome to Focus Partners

Chartered Accountants and Financial Planners
Albury Wodonga

Focus Partners offers professional financial planning and taxation advice, including accounting, superannuation, retirement planning and business services throughout Albury Wodonga and the surrounding NSW and Victoria region.

Welcome

Learn more about how Focus Partners can help you with your accounting and financial planning needs.
The Focus Partners Office

The Focus Partners Office

Professional Support Throughout the Area

Along with the Albury Wodonga region, we also provide services to clients in nearby cities and towns including Bright, Myrtleford, Beechworth, Corryong, Wangaratta, Rutherglen, Tallangatta, Corowa, Culcairn and many more areas.

Experts Focused on Assisting You

Our comprehensive range of high quality services are complemented by a team of dedicated specialists in the accounting and financial services sector. With years of industry experience and knowledge behind the team at Focus Partners, we aim to help and support you with your finances in a friendly, cost-effective and proficient manner.

Looking for Help With Your Finances?

Staff are happy to field any questions you may have about our services, so phone today for appointment bookings and an explanation of the potential options available to you.

OUR STAFF... OUR CLIENTS

INTEGRITY, RESPECT, TRUST, LOYALTY

Solutions for Individuals, Families and Businesses

Whether you're an individual looking to prepare your income tax return, a couple considering retirement or a business owner planning to grow your business, Focus Partners are here to help and provide you with effective solutions.

The Dean Street Bridge

Dean Street Bridge, Albury

Albury Wodona country side Albury Wodona country side

Accounting Services

Learn more about how the team at Focus Partners can provide you with Business Accounting & Taxation Services in Albury Wodonga.

Business Advisory Services

Running a business takes up a lot of precious time, so it's important to identify and use a trusted adviser to work with you through the business life cycle.

Our business advisory services can provide traditional accounting services as well as professional business advice and planning. Our advisory services are not just about taxation and lodging Activity Statements, Focus Partners can offer advice from the set-up stage of business right through to sale or retirement.

During your complimentary one hour meeting, we conduct a Needs Analysis Review on your business, where we will discuss everything from your key business concerns to your will, right through to your holiday/leisure goals. From there we assess how we can help you meet your financial goals, help you understand your financial position, and develop a package that will enable us to become your trusted adviser.

Taxation & Compliance Services

Our firm understands the burden of keeping up to date with the seemingly never ending required returns and statements. We believe we can alleviate some of the pressure these deadlines can create. Our qualified staff prepare all income tax returns, financial statements and activity statements with care and precision to ensure clients are receiving quality results and advice.

Unfortunately, compliance services are a necessary evil of running a small business. We understand this burden and believe that we can alleviate some of the stress from this aspect of your day-to-day activities. Check out the Taxation & Compliance services we offer below, or take a look at our Compliance Fee Packages.

Dairy farm at Albury Wodona Dairy farm at Albury Wodona

Financial Services

Learn how to manage your tomorrow today with a structured financial plan from the team at Focus Partners.

Superannuation

Focus Partners are your Superannuation & Self Managed Super Fund specialists in Albury Wodonga and the surrounding areas.

Financial Planning

Financial planning is the process of developing strategies to help you manage your financial affairs so you can build your wealth, achieve financial security and enjoy life. Our qualified planners can help you implement and tailor a financial plan that suits your needs.

Retirement Planning

Achieving the standard of living you want in retirement doesn't happen without planning. Planning your finances in advance can give you a lot more flexibility and choice in retirement.

Personal Insurance

You may not realise this, but your ability to earn an income is your greatest asset. Surprisingly many people neglect this important quality. A personal risk management strategy should ensure that your assets are protected and debts are cleared in the event of the unforeseen death, major accident or major illness of a key financial member of a family or partnership.

Panoramic view of Albury Panoramic view of Albury

Pricing

We have a variety of packages to cover your business accounting and taxation needs, no matter the size and/or age of your business.
  • Starting out in business in Albury Wodonga
  • Starting Out
  • Tight budget? Just starting out in business?

    Our base compliance package is for those clients not registered for GST.

  • What's included?
    • Xero/BankLink/MYOB Essentials monthly subscription fee
    • Annual Financial reports (year end)
    • Income Tax Returns
    • Telephone/email discussions during the year
    • Annual review meeting (coffee's on us!)
  • From $154 per month
  • Enquire Now
  • Accelerating your business in Albury Wodonga
  • Accelerating
  • For our GST registered clients

    We've got what's needed to keep the Tax Office off your back.

  • What's included?
    • Xero/BankLink/MYOB Essentials monthly subscription fee
    • Annual Financial reports (year end)
    • Income Tax Returns
    • Preparation and Lodgement of Business Activity Statements
    • Annual one hour meeting regarding tax planning strategies
    • Annual meeting to review and sign financial reports and income tax returns
    • Telephone/email discussions during the year
  • From $300 per month
  • Enquire Now
  • Your business on cruise control in Albury Wodonga
  • Cruise Control
  • Perfect for our clients that employ staff

    Let our team help out you and your team.

  • What's included?
    • Xero/BankLink/MYOB Essentials monthly subscription fee
    • Annual Financial reports (year end)
    • Income Tax Returns
    • Preparation and Lodgement of Business Activity Statements
    • Review of wages paid during the financial year
    • Updates of changes to pay rates & conditions
    • Preparation of PAYG Payment Summaries and PAYG Payment Summary Statement
    • Completion of Workers Compensation Insurance renewal
    • Calculation of periodic Superannuation Guarantee liability
    • Annual one hour meeting regarding tax planning strategies
    • Annual meeting to review and sign financial reports and income tax returns
    • Telephone/email discussions during the year
  • From $350 per month
  • Enquire Now

Don't fit within one of our packages? Don't need all of the inclusions? Want more? We can customise a package for you. Just ask!

Avoid bill shock in Albury Wodonga

Avoid bill shock and organise a Business Advisory Package with Focus Partners

Avoid a nasty 'bill shock' at the end of the year, our goal is to help our clients with cash flow. You will know exactly what you're paying us each month, rather than getting a huge bill at the end of the year.

Don't like the idea of a monthly payment? That's fine! A number of our clients prefer to be billed during the year. We're here to make things easier for you.

We can take care of everything to get you started - right down to contacting your old accountant.

Additional packages: Need more?

Ask us today about our Business Advisory packages!

  • Ongoing assistance and monitoring of your budgeting and cash flow reporting
  • Benchmarking analysis
  • Business and strategic planning
  • Succession planning & estate planning advice
  • Board of Advice meeting facilitation
  • Business valuations and exit planning advice
River at Albury Wodonga River at Albury Wodonga

Frequently Asked Questions

Got a question? Here are some of the questions and answers we get asked by clients all the time.
  • Who are Focus Partners?

    While the 'Focus Partners' name may be less than a decade old, the business has been going since the 1960s. Focus Partners is both a Chartered Accounting and a Financial Planning business under the one roof. With financial advice becoming increasingly intertwined with taxation advice, we think this offers our clients a distinct advantage over a financial advice business operating in isolation.

    Focus Partners offers a range of strategic solutions for all your financial needs. Tailored professional financial advice can help you make informed financial decisions and create long-term financial security for you and your family.

  • How much does it cost to get financial advice?

    The cost varies from client to client, depending on the complexity of the advice required. The initial meeting with one of our advisers is free of charge. At that point we will gather relevant information about your current situation, and then we will look to see what strategies we can employ to help you achieve your objectives.

    Initial cost
    Focus Partners provides excellent advice in the form of written Statements of Advice (SOAs). The fee for preparing a SOA will generally be between $1,650 and $3,300, depending on the scope and complexity of the advice. The cost will be fully disclosed to you prior to any expense being incurred, and in most cases the expense can be paid from your superannuation.

    Ongoing cost
    Our ongoing cost of advice is 0.88% per annum of your investment balance, and this may be less if the appropriate strategy for you involves a Self Managed Super Fund (SMSF). The ongoing cost of advice with a SMSF is a flat dollar fee, which varies depending on the complexity of the fund and the level of service that you require.

    Transactions: buying and selling on the Stock Exchange
    Focus Partners outsources the trading function to Lonsec Limited. The charge we have negotiated with Lonsec is 0.44% with a minimum cost of $44. This is paid 100% to Lonsec, with Focus Partners receiving NIL. If you are not a financial planning client with an ongoing service relationship with us, Focus Partners will charge an additional amount of up to 0.66% with a minimum of $66.

    Personal Risk Insurance
    We will take great care to identify and recommend insurance that provides the best value for money for our clients. In line with industry practice, Focus Partners receives a commission on insurance placed through us.

    Please note that while the commissions are payable based on the premium you pay, the commissions do not form part of your premium and are not an additional fee to you. The level of commission payable to Focus Parnters will be fully disclosed at the time of recommendation.

  • What do Focus Partners do?

    Investing
    Whether you are trying to save on a regular basis, or you have a lump sum you want to invest in an effective and tax efficient manner, you need to address some very important issues. Factors to consider include your time horizon and your cash flow requirements.

    You will also need to understand a little about 'risk', which is your capacity to tolerate fluctuations in the value of the funds you have invested. This will require an assessment of your financial ability to take risk and your attitude towards risk. Consideration of both will help determine the choice of investments and the asset classes that are selected to make up your investment portfolio.

    In simplistic terms, a bank account generally provides high capital stability but no potential growth on funds invested or saved. On the other hand, equities or shares fluctuate in value, but provide high potential growth. By discussing your goals, objectives, and concerns, Focus Partners can help you to identify the asset mix and choice of fund managers to satisfy your requirements.

    Retirement Planning
    Focus Partners has the capacity to identify if you are on target to achieve your planned retirement goals. By identifying your objectives and considering the progress you have made to date, we can clearly demonstrate if there is likely to be a shortfall or surplus. If we identify a shortfall, we can then set about providing a solution to help you achieve your objectives.

    Superannuation
    Superannuation is often of great concern to many and can be confusing as rules often change. This is something we understand more than anyone else. The question we get asked most often is: "Just how much super will I need to enjoy a comfortable retirement?"

    Asking a few simple but pertinent questions is all we need to enable us to prepare an indication of your requirements at retirement. With the use of a computer program, Focus Partners can determine if your current financial situation is on target or if some minor or major adjustments are required.

    We will provide specific solutions to each of the following concerns:

    • How much Super you will need at retirement?
    • Should you use a Retail Fund or a Master Trust?
    • When is it practical to consider running your own Self-Managed Fund?
    • How can you gain more control over the investments selected?
    • How much can and should you contribute?

    Insurance
    Personal Insurance should form a very important part of your overall financial security and strategy. It is strongly recommended that every client should have their personal insurance reviewed and updated on a regular basis to ensure they and their families are adequately covered. In many cases, the insurance can be paid for from your superannuation.

    Life Insurance: Death Cover is vital to anyone with family or dependant children, especially when there is debt involved. If the income earner dies, the family and dependants will need sufficient capital to invest, so that they can continue to live in a manner to which they are accustomed.

    Disability Insurance and Trauma Cover: This form of insurance is recommended for everyone, even the single person with no responsibilities. This insurance would provide for the payment of a capital sum on the diagnosis of certain specified events such as heart disease, cancer, stroke, etc., or in the event that you become permanently unable to work due to illness or injury.

    You can imagine the load it would take off your mind to know you had a substantial amount of money due to you, if you were diagnosed with some debilitating disease which was going to require very expensive hospitalisation or medication.

    Income Protection and Business Expense Insurance: Income Protection will provide the insured with an ongoing monthly income in the event of an illness or accident which results in the inability to work. There is a wide range of options for this type of cover and the amount of payments, the waiting period and the term of the cover, are all specified by the client at the time of application.

    Centrelink
    Centrelink can be confusing, and the source of frustration for many retirees. Fortunately, it doesn't have to be that way. Focus Partners can assist with all your Social Security and DVA concerns.

    If you are about to apply for a pension or are currently receiving a part pension, we can also help to arrange your financial affairs to maximise your Centrelink or DVA entitlement. We can also assist in the completion and lodgement of all relevant documentation, making the task a simple and straight forward process.

    If you require assistance, please contact our office and book an appointment. For those retirees that have mobility problems, a home visit may be possible.

  • What is Focus Partners' investment philosophy?

    Focus Partners utilise the resources and investment knowledge of Lonsec Limited, one of Australia's top research houses. Using the guidance and recommendations of Lonsec, Focus Partners will construct a portfolio which is reflective of the level of diversity and sophistication that can be achieved with the financial assets available for investment. Where possible, we try to use direct investments (such as ASX listed Australian shares) in order to keep management fees to a minimum. Where direct investing is not economical or practical, we will utilise the skills of fund managers who are 'Recommended' or 'Highly Recommended' by Lonsec. Where direct investing is possible, we rely largely on the 'model portfolios' of Lonsec, which have a proven and long term track record of strong performance in excess of the relevant market benchmarks.

  • When is a Self Managed Super Fund (SMSF) appropriate?

    SMSFs are the fastest growing part of the superannuation market, but they are not for everyone. SMSF's offer an unparalleled level of flexibility and diversity of investment opportunities, but with great power comes great responsibility. Being a member, and therefore a trustee, of a SMSF requires you to be actively involved in the management and compliance of your super fund, and there are severe penalties for those who do not take their responsibilities seriously. Focus Partners will work with you to ensure you remain on track with your obligations, but it is important to remember that it is the responsibility of the trustee to ensure the fund remains compliant with superannuation rules.

    A SMSF's fee structure differs from a standard retail or industry fund, and this is another area where SMSF's can be worth consideration. While a standard fund tends to charge fees on a largely percentage basis, meaning you pay more as your funds grow, a SMSF tends to have more 'fixed dollar' fee structures. As a general rule, if the combined superannuation balances of yourself and your partner is less than around $250,000, it is likely that a SMSF is not going to be economical from a fee perspective. As your funds increases over and above this level, the balance can shift towards a SMSF being economical. If you have a super balance of over $500,000, it is advisable to compare a SMSF to your current arrangements to see if it is something that will save you money (assuming you are prepared to take an active role in your super going forward).

    Focus Partners are specialists in SMSF and we would welcome the opportunity to discuss your suitability and compare your options.

Outback Australian road at Albury Wodonga Outback Australian road at Albury Wodonga

Our Team

Learn more about the team members that keep the wheels turning at Focus Partners.
The team at Focus Partners Albury Wodonga

Our Accounting Team

Helen Christensen

Principal, Chartered Accountant

Elin Collins

Principal, Chartered Accountant

Fleur Curry

Principal, Chartered Accountant, SMSF Specialist

Sarah Shelley

Chartered Accountant

Trish Trevaskis

Accountant

Melinda Bramwell

Accountant

Deidre Lampe

Accountant

Jenny Pham

Accountant

Our Financial Planning Team

Josh Howard

Principal, Financial Adviser

Zac Trinnick

Principal, Chartered Financial Analyst

Kim Hulland

Financial Planning Support

Shannon Knight

Financial Planning Support

Our Support Team

Sharleen Wheaton

Office Admin Support

Taya Zanardo

Receptionist

The dry outback of Albury Wodona The dry outback of Albury Wodona

Latest Accounting & Financial Planning News

Read the latest from the Focus Partners news desk in both the Accounting and Financial Planning sectors.

Accounting News

Housing tax measures progress to Parliament

Housing tax measures progress to Parliament

Legislation for a number of housing affordability tax measures announced in the federal budget 2017 are being introduced to Parliament today.

Read More

AirBnb – wrong tax outcome?

AirBnb – wrong tax outcome?

We are seeing an evolution of income earning opportunities and waiting for regulators to keep up.

Read More

Are young investors wasting their youth?

Are young investors wasting their youth?

It was George Bernard Shaw who coined the phrase 'youth is wasted on the young'. In Australia today, it seems the young may be wasting their investing youth.

Read More

ATO sending 'more letters than ever' on income tax errors

ATO sending 'more letters than ever' on income tax errors

One firm believes the ATO is distributing more letters than ever to taxpayers whose tax returns’ have been flagged as failing their data matching processes.

Read More

Powerful Budgeting, cash flow and Super Tools available on our site.

Powerful Budgeting, cash flow and Super Tools available on our site.

Aging Australians look more and more likely to attain their retirement goals.  Three main reasons are more time to save and invest, professional assistance and increased financial literacy.  The tools on this site will help improve your financial literacy.

Read More

Property, unit trusts in ATO's sights

Property, unit trusts in ATO's sights

One big four accounting firm says the ATO has started to zoom in on property development in unit trusts being held in SMSFs and the calculation of valuations for these assets.

Read More

Financial Planning News

Powerful Budgeting, cash flow and Super Tools available on our site.

Powerful Budgeting, cash flow and Super Tools available on our site.

Aging Australians look more and more likely to attain their retirement goals.  Three main reasons are more time to save and invest, professional assistance and increased financial literacy.  The tools on this site will help improve your financial literacy.

Read More

Australia's leading causes of death - ABS

Australia's leading causes of death - ABS

Not the sort of topic one might normally come across but keeping an eye on the 'big' picture is always good for keeping things in perspective.  Census data from 2006, 2010 and 2015.

Read More

Australian Dietary Guidelines and healthy eating chart (PDF)

Australian Dietary Guidelines and healthy eating chart (PDF)

The Australian Dietary Guidelines give advice on eating for health and wellbeing. They’re called dietary guidelines because it’s your usual diet that influences your health. Based on the latest scientific evidence, they describe the best approach to eating for a long and healthy life.

Read More

Government introduces first home scheme laws

Government introduces first home scheme laws

Legislation for the government’s First Home Super Saver Scheme (FHSSS), as well as its proposed new superannuation rules for retirees downsizing their homes, have been introduced to parliament.

Read More

Are young investors wasting their youth?

Are young investors wasting their youth?

It was George Bernard Shaw who coined the phrase 'youth is wasted on the young'. In Australia today, it seems the young may be wasting their investing youth.

Read More

ATO granted super enforcement powers

ATO granted super enforcement powers

The government has announced a number of reforms designed to give the ATO more powers to oversee and enforce superannuation guarantee payments.

Read More

Farm land in country New South Wales Farm land in country New South Wales

Tools & Resources

Create a FREE account and login to our Financial Tools client area, or enjoy the links to FREE tools and calculators supplied by MoneySmart.
Outback New South Wales Outback New South Wales

Contact Us

We'd love to get in touch and we welcome any enquiry that you may have.

Get in Touch

Focus Partners welcome your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

Email

Our Office

  • 550 Smollett Street, Albury NSW 2640
  • (02) 6021 3399
  • (02) 6021 8539
  • 8:30AM to 5:00PM

CFO Program

Our SME Research confirms small business owners want professional advice on how they can grow profits and improve cash flows.

95%* of business owners believe there are exciting opportunities to grow their business, however 72%* don’t have a growth and improvement plan in place.

To help small business owners grow their sales, improve their performance and build a successful business we offer a unique CFO Program which includes:

The goal of our CFO Program is to give small business owners the confidence to make changes in their business to not only survive but thrive.

By regularly meeting we will:

  1. Ensure you are accountable for implementing these changes; and
  2. Act as your sounding board so you can make fully informed financial decisions.

We charge small business owners a fixed monthly fee for our CFO Program to spread the cost of this service over a 12 month period.

Click here to request a meeting with one of our CFO Program specialists.

*2016/17 SME Research Report.

Business Valuation

8 in 10 business owners want to value and benchmark their business*

Why? Many business owners regard their business as their “Superannuation”. That is, they are expecting the proceeds of the sale of their business to fund their next business venture or retirement.

Unfortunately, most business owners believe their business is worth more than what it actually is. As a result, many are not only disappointed when their business fails meet their price expectation but they also have a shortfall of funds to support their retirement.

At Focus Partners, we are passionate about advising private and family business owners on how to grow the value of their business to achieve financial independence and security. We offer a range of specialised business valuation services including:

We provide cost effective, best of breed business valuation services as we have access to:

We will charge you a professional services fee depending on your engagement with us.

Click here to request a meeting with one of our Business Valuation specialists.

*2016/17 SME Research Report.

Succession Planning

Succession planning is the #2 business concern of SMEs. The statistics below illustrate why it is a high level of concern*:

We believe the reason why there is a lack of action is most business owners don’t fully understand what succession planning is and where to go for advice and support.

We specialise in business succession planning. This is more than selling your business, reviewing your insurance and/or preparing a financial or retirement plan. We have a proven 5 step succession planning service that allows business owners to smoothly transition both ownership and management succession of their business, on their terms, price and timeline.

Our Succession Planning Service features:

  1. Understanding yours and your successor/s needs and aspirations;
  2. Providing an independent business valuation and then establishing value improvement targets;
  3. Preparing a formal family and business succession plan;
  4. Obtaining expert advice (if needed);
  5. Providing training to your successors and ongoing support to ensure your succession plan goals and objectives are implemented.

The objective of our Succession Planning Service is to give you piece of mind knowing you are in control of your future business and family succession.

We charge a fixed fee for each stage of our Succession Planning Service so you don’t incur costs for services that are not required.

Click here to request a meeting with one of our Succession Planning specialists.

*2016/17 SME Research Report.

Board of Advice Program

As the business grows, owners of private and family businesses seek out specialist advice on:

In order to provide support to private and family businesses we offer a unique strategic Board of Advice Program service.

Our Board of Advice Program features:

The objective of our Board of Advice Program is to provide an independent sounding board so enabling you to make informed decisions on how you can strategically grow and transition the value of your business.

We charge a fixed monthly fee for our Board of Advice Program to spread the cost of this service over a 12 month period.

Click here to request a meeting with one of our Board of Advice Program specialists.

Income Tax

Income Tax: Focus Partners is a registered tax agent. Our accounting staff have many years of experience preparing all types of income tax returns. Taxation is an area that is constantly changing. It’s important to plan well and stay one step ahead of the changes. Our tax planning service means that prior to the end of the year we’ll review how your business is faring, which could be the difference between paying the optimal, legal amount of tax, or paying more than necessary.

Capital Gains Tax: Allow us to show you how, with careful planning and timing, you can minimise your capital gains tax.

Fringe Benefits Tax: Compliance for FBT is also generally a nightmare for small business as it is a widely misunderstood tax. Allow us to assist in preparing your FBT returns to ensure you only pay what you have to.

Annual Accounting

Goods & Services Tax: Our team can assist you to with the preparation and lodgement of your Business Activity Statements (BAS), Instalment Activity Statements (IAS) and PAYG Instalments. Of course if you prefer to prepare your own Activity Statements we are always happy to review and lodge on your behalf, which gives you peace of mind and often time extensions to pay any Activity Statement debt.

ASIC Returns: We act as the Registered Office for most clients and ensure all Australian Securities & Investment Commission (ASIC) forms and paperwork are prepared and lodged on time. Most ASIC forms have lodgement deadlines with significant penalties if lodged or paid late.

Financial Reports: We will prepare financial reports, including a Profit/Loss Statement, Balance Sheet and supporting explanatory notes. We apply high professional standards to ensure the accuracy and reliability of the information disclosed in these reports.

Entity Structuring

Choosing or reviewing the legal entity through which you run your business affects many things including income tax, succession planning and Capital Gains Tax.

We can advise which structure to use in various situations and create the best legal structure for your individual needs. This is vitally important to get right from day one when you commence your business. But don’t panic, we can also do a health check on your existing legal structure to ensure you are not exposing your personal assets or paying too much tax, and advise you of your options moving forward. In most cases, new clients are amazed just how exposed their assets have been or how some careful amendments to their legal structure can reduce the amount of tax they are paying.

Software Packages

We are authorised providers of Xero, MYOB, Reckon, QuickBooks, BankLink and other various accounting software options. Whatever your preferred software, we are able to work with you. We won’t push you to change software packages if you are comfortable where you are.

We can assist with installation, ongoing training, processing and production of reports to ensure you are getting the most from your accounting software.

Superannuation

Planning for retirement is one of life's most important financial considerations. After all, the actions taken today will determine how comfortable life will be in the future.

Super is perhaps the most popular way to save for retirement. Put simply, contributing to super allows you to put aside money during your working life to use when you retire. With recent Government reforms to super, it's now one of the most tax-effective long-term retirement savings vehicles available in Australia.

There are many strategies available to help you maximise your retirement savings through super. Whatever your plans are for retirement, we can help you decide on the most appropriate strategy to make your plans for retirement become reality.

Tax Effective Strategies

To encourage Australians to save for retirement, the government provides various incentives such as tax concessions on contributions to super and on investment earnings within super. Some examples include the Government co-contribution, salary sacrifice tax deductions, and tax offsets for spouse contributions.

The Government also allows Australians aged 60 and over to take their superannuation benefits tax-free, whether they take it as a lump sum or as an income stream.

These tax advantages help you to maximise your total superannuation and are likely to help your money grow faster than it would in non-super investment vehicles.

Come and talk to our dedicated team at Focus Partners Financial Services in Albury to identify strategies to help you maximise your tax benefits.

Self Managed Super Funds

Self Managed Superannuation Funds (SMSFs) have become an increasingly important part of the superannuation landscape. At Focus Partners we believe that an SMSF is an important structure that provides the advantages of direct control over investments, greater flexibility, especially with respect to tax planning and retirement benefit options. They also offer the ancillary advantages of estate planning and asset protection benefits.

However, the duties and obligations placed on SMSF Trustees can be onerous, and having accountants and advisors to guide through these obligations has become increasingly important.

We provide the following services:

Looking for help with your superannuation and finances? Call the team at Focus Partners on (02) 6021 3399

Cash Flow Management

To effectively manage your cash flow you need to know where your money is currently going. Once you have indentified what is being spent and where, you can then adjust your behavior to increase the amount of money you are able to save.

We at Focus Partners are able to provide you with a cash flow analysis report that will help you to budget for your every day expenses. This process can assist you in understanding your spending patterns to determine whether you have a deficit or surplus.

Investment Management

This service may be a part of our full financial advisory service, or may be taken separately by clients who require only our investment management capability.

Our investment philosophy recognises the objectives of creating and preserving wealth for the long-term. Consequently, the strategies we recommend and implement usually have a long-term view rather than a focus on short-term market events.

Throughout the full economic and market cycle, we seek investments that offer substantial underlying value, meaning they are appropriately priced in relation to thier growth prospects. We also focus on businesses that have the capacity to generate sustainable and growing income streams. We believe in diversification across and within the asset classes. We endeavour to minimise fees and taxes by using the appropriate investment structure. The application of the above principles and methodology is tailored to each client.

Usually this occurs in consultation with other professionals in our team to ensure that our advice takes into account the total circumstances, needs and aspirations of our clients.
We at Focus Partners Financial Services can tailor our services in this area to help you with the growth of your wealth.

Finance Management

Finding the right loan for your business, home or investments can be a daunting task. "Tailoring" finance solutions to suit your needs is a key element of the overall service offering at Focus Partners.

Our clients tell us that being part of an integrated accounting & financial planning practice provides us with a unique advantage when assessing their financial needs. This, combined with our access to Lonsdale Finance Choice’s ability to source funds from over 40 banks and non-bank lenders, ensures we can deliver the best possible financial solution from over 900 different loan products to suit your needs.

Our Finance Management Services include:

Please note: All finance broking is referred out to Acceptance Finance.

Portfolio Guidance

Our wealth creators will guide you on the available investment options, taking into account your existing portfolio and objectives Portfolios are constructed for your changing lifestyle patterns over the coming years, and are consistent with the cash flow and accumulated wealth positions derived from our financial modelling analysis. Of course, considering after tax results is critical in constructing and managing an efficient portfolio.

If you fail to plan, you plan to fail

If you're serious about building a solid financial future, we will meet regularly with you to discuss financial markets, legislation, taxation and other issues, and then provide you with comprehensive reports and valuations to keep you on track to a successful financial outcome.

Contact us now to start creating your future!

What Happens After Retirement?

A key goal in any financial plan is to retire in style!

Our Financial Planners have extensive experience in helping people make the transition from working life to retirement.

We understand the issues our clients face and those they haven’t yet considered what happens after retirement in detail. Our Financial Planners can give you the financial tools you need to build your retirement assets.

We can develop medium and long-term retirement strategies that maximise wealth and income, and minimise taxation, regardless of how close you are to retirement. Throughout your retirement, we work with you to ensure that you are best positioned to meet your financial objectives.

Making The Transition To Retirement

Do you want to retire with a better future?

Well, the Government's 'Transition to Retirement' rules could be the answer – Transition to Retirement pensions can allow you to Boost your retirement savings without impacting your income if you are still working.

You could ease into retirement by reducing your working hours without reducing your income. You could Boost your income and minimise your TAX so you have more money to cover your everyday living expenses.

From 1 July 2005, it is easier for a person who has reached preservation age (currently, aged 55 or over) to draw on superannuation savings while still working. Our qualified and specialist financial planners can provide strategies to suit your needs..

If you are looking to make the transition to retirement from your work life, Focus Partners Albury Wodonga offers a range of financial planning expertise to assist and advise you and your loved ones with this life change.

Contact us on (02) 6021 3399 to book your appointment.

Allocated Pensions & Social Security

Achieving the standard of living you want in retirement doesn’t happen without planning. Planning your finances in advance can give you a lot more flexibility and choice in retirement.

The Australian government offers a range of social security services and payments to support those in need and assist people to become self sufficient. Social security benefits are provided through various means such as pensions, allowances, concessions and aged care services.

Receiving and qualifying for social security benefit entitlements can be an incredibly complex matter. That’s why we at Focus Partners Financial Services Pty Ltd have specialists who can provide advice when dealing in these matters.

If you would like to discuss your allocated pension and financial options for the future, call us on (02) 6021 3399 to book an appointment and speak with a financial expert.

Life Insurance

Life Insurance (often called Term Insurance) pays a lump sum benefit to the policy owner upon the death of the life insured, where this occurs during the term of the insurance cover (this can be up to age 99).

Term insurance is usually taken out in order to repay liabilities, such as mortgage, credit cards, etc., cover funeral costs, pay off credit cards and, in the event of the death of the main breadwinner, provide a substitute income stream for the spouse so that the current standard of living may be maintained. This is especially important where dependent children are involved.

Interested in finding out more about life (term) insurance or have any questions? Call the friendly team at Focus Partners Albury Wodonga on (02) 6021 3399 for advice and assistance you can trust.

Total & Permanent Disability Insurance

TPD insurance provides a lump sum upon medical confirmation that the insured person is totally and permanently disabled based on the definition provided in the policy document. This type of policy is generally sold as an additional benefit to term life insurance.

It is important to be clear about how the life company defines the total and permanent disability in the context of you being able to continue to work in your current capacity. This definition will assist in the selection of particular products for recommendation. Generally, in order to claim on TPD, you must be off work for at least six months and, in the opinion of the medical practitioners, unlikely to ever work again; or have irrecoverably lost the use of both eyes, legs, arms or one of each.

Trauma Insurance

Modern medicine can keep more people alive following major traumas. Trauma insurance pays you a lump sum in the event of a major trauma such as a major heart attack, cancer or stroke. Most life offices also pay the benefit under trauma in the event of death. Statistics show that we will suffer some major illness or trauma during our lifetime and that we are three times more likely to suffer a condition such as heart attack, cancer, stroke or bypass surgery than to die.

Most of us will survive the trauma but many are not able to continue working. In that case their income stream, upon which they rely for their livelihood, ceases.

Trauma insurance is designed to ensure that lifestyle suffers as little as possible by paying at and when the need is highest, therefore aiding recovery.

Income Insurance

Most people state that their greatest physical asset is their home. They see the importance of insuring their home building and contents but most overlook their most valuable asset, their income. Your ability to earn an income between now and retirement determines what you and your family are able to do day-to-day.

Income Protection cover is designed to provide you with a regular monthly income whilst you cannot work due to sickness or accident. You are able to protect up to 75% of your gross income, inclusive of any packaged benefits such as car and superannuation.

Helen Christensen

Helen Christensen

Principal, Chartered Accountant

Helen commenced with the firm in 1985, and has lived in the Albury and border region since 1979. She was brought up on a dairy farm in the Latrobe Valley, attending secondary school in Traralgon before studying Art at RMIT in Melbourne. Having spent time in Papua New Guinea and Port Hedland WA, she settled in Albury with her family and completed her Accounting / Computing degree at CSU. Helen has been a Chartered Accountant since 1990, is a fully qualified and licensed financial advisor, and a Justice of the Peace.

Elin Collins

Elin Collins

Principal, Chartered Accountant

Elin joined the business in 2005, having started in the industry in 2002. She completed her Bachelor of Business degree at Charles Sturt University and is a Chartered Accountant, as well as being licensed to advise clients on Self Managed Superannuation. She is married with a young daughter (Sienna). She spends her weekends following her husband Mick around the region watching him play & coach football in the Hume League. Being a Carlton supporter, she is usually hanging out for cricket season to start each year!

Fleur Curry

Fleur Curry

Principal, Chartered Accountant, SMSF Specialist

Fleur Curry was born and bred in Albury and attended Albury High School. She joined the firm in 2004 as a Graduate after studying Accounting and Marketing at Charles Sturt University here in Albury. Fleur completed the Chartered Accountants Program in 2008, and in 2017 completed a Graduate Certificate in Taxation (incorporating Superannuation) through the University of New South Wales. Fleur is licensed to advise clients on Self Managed Superannuation, and is also a Justice of the Peace. She provides a valuable service in the areas of business services, superannuation, tax and accounting, and assists clients with computerised accounting systems.

Fleur and her husband Matt have a son Angus, and a daughter Philippa. She has a strong community background, and enjoys spending time with friends and family, and the odd long weekend away.

Sarah Shelley

Sarah Shelley

Chartered Accountant

Sarah has been with Focus Partners since early 2013. She grew up in Howlong and studied at Charles Sturt University in Thurgoona, graduating with a Bachelor of Business (Accounting). Sarah completed the Chartered Accountants Program in 2015 and has recently become a Justice of the Peace. She is a passionate football fan. On the weekends she follows her beloved Howlong and St Kilda Football Clubs.

Trish Trevaskis

Trish Trevaskis

Accountant

Trish joined the firm in 1994 while completing her Bachelor of Business (Accounting) at Charles Sturt University. After graduating with Honours in 1998, Trish worked in general taxation accounting, but for the past 10 years has focussed on looking after the interests of our many Self-Managed Super Fund clients. When not in the office Trish enjoys hiking and cycling, both locally and overseas, and spending time with her two young grandsons.

Melinda Bramwell

Melinda Bramwell

Accountant

Melinda joined Focus Partners in 2008, straight after completing her Bachelor of Business at Charles Sturt University. In addition to her role in administering Self Managed Superannuation Funds, Melinda performs valuable taxation services for a number of clients.

Deidre Lampe

Deidre Lampe

Accountant

Deidre is our longest serving member of the team, having joined the business in 1983. She jokes that she has endured more office management, rules and functionality changes and job descriptions than the block contestants. She has been married for 27 years and has two adult children, with her weekends being taken up watching them in their chosen sporting fields while also enjoying Zen Doodling, wine and shopping.

Jenny Pham

Jenny Pham

Accountant

Jenny studied at Deakin University in Melbourne, graduating with a Bachelor of Commerce (Accounting, Finance and Financial Planning). She started working in accounting in 2012, and she has been with Focus Partners since moving to Albury in 2014. Jenny commenced the Chartered Accountants Program in 2015. She loves dancing and travelling, and spends her weekends with friends and at dancing classes.

Josh Howard

Josh Howard

Principal

Josh is a Financial Planner who specialises in Self Managed Superannuation Funds and retirement strategies. Originally from Albury he joined Focus Partners in 2009, having worked in the financial services industry in Melbourne since 2007. He holds an Advanced Diploma in Financial Services and is a SMSF Specialist Advisor, as well as being a Justice of the Peace. He gains great comfort and satisfactions from knowing he is helping his clients to achieve their financial goals.

Zac Trinnick

Zac Trinnick

Principal, Chartered Financial Analyst

Zac grew up in Albury before heading North to complete a double degree in Commerce and Economics at the Australian National University in Canberra. He then went on to spend twelve years working in funds management and investment banking in Sydney, where he obtained the Chartered Financial Analyst (CFA) designation. As an investment specialist, he is one of a handful of financial advisors nationally to hold the CFA qualification. He also holds a Diploma in Financial Planning and is a Justice of the Peace. In Sydney he met his future wife, an Albury girl, and in 2012 they moved back to start family life on the border. He spends his weekends lamenting another lost season for his beloved Richmond Tigers.

Kim Hulland

Kim Hulland

Financial Planning Support

Kim is originally from Sale in East Gippsland and made the move to Albury in 2006, which is when she began working in the financial planning industry. Kim started working at Focus Partners in 2015 and her role is to provide support to the financial planning team. Kim has three beautiful children Madison, Charli & Jed and is passionate about all things related to food and believes in living a healthy and well balanced lifestyle.

Shannon Knight

Shannon Knight

Financial Planning Support

Shannon has been working in financial planning since 1998 and started with Focus Partners in early 2007. She has a Diploma in Office Administration from Wodonga Tafe, and her role is to provide support to the financial planning team. She is married and has two daughters, Indi and Lily. She supports Hawthorn in the AFL and enjoys spending her weekends with friends and family.

Sharleen Wheaton

Sharleen Wheaton

Office Admin Support

Sharleen joined the business in 2002, having been in the industry for over 25 years. Her role is to provide office administration support to the accounting and financial planning teams. She is married with three children and one grandchild.

Taya Zanardo

Taya Zanardo

Receptionist

Taya joined Focus Partners in May 2008, having made the career change from hairdressing to office reception. Taya is the smiling face you will most likely see when you first walk in the door.

Secure File Transfer is a facility that allows the safe and secure exchange of confidential files or documents between you and us.

Email is very convenient in our business world, there is no doubting that. However email messages and attachments can be intercepted by third parties, putting your privacy and identity at risk if used to send confidential files or documents. Secure File Transfer eliminates this risk.

Login to Secure File Transfer, or contact us if you require a username and password.

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Get in Touch

Focus Partners welcome your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

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Our Office

  • 550 Smollett Street, Albury NSW 2640
  • (02) 6021 3399
  • (02) 6021 8539
  • 8:30AM to 5:00PM