Services

At the heart of Lambert Group is the knowledge that everybody has their own goals in mind when they need both financial planning, and other financial services.

Whatever life-stage you are in, we develop tailored plans to protect the things that you care about most today, and in your future.

The team at Lambert Group can speak to you about any of our following services:

• Financial Planning
• Personal Insurance: Life Insurance | Income Protection Insurance | Trauma Insurance | Total and Permanent Disability (TPD) Insurance
• Business Insurance: Share Purchase (Buy/Sell) Agreements | Key Person | Debt Protection
• Superannuation including Public Service Superannuation &  Self-Managed Super Funds (SMSF)
• Managed Funds
• Retirement Planning
• Transition to Retirement Strategy (TTR)
• Aged Care
• Finance and Debt Management
• Estate Planning: Wills | Testamentary Trusts | Enduring Powers of Attorney | Guardianship | Advance Medical Directives

Contact us today, and let us help guide you toward building your best future.

Financial Advice

The perfect financial plan is the one that guides you to meet your life’s goals as you move through each life-stage. The plan must be a living one that is reviewed regularly as your short and longer-term priorities and circumstances change.

Investment Portfolio

Once you have a financial strategy and we have helped you understand and determine an appropriate risk profile i.e. the level of risk tolerance you have in relation to market volatility, we are ready to discuss your Investment Portfolio.

There are many different types of investments that could make up your personal investment portfolio, they include but are not limited to:

• Managed Funds
• Shares and ETF’s (Australian and Overseas)
• Property
• Fixed Interest Markets
• Money Market (Cash and Term Deposits)
• Annuities

Superannuation

Most of our clients will ask us how much superannuation is enough? The answer depends on your goals that sit at the top of your financial plan. Understanding your superannuation position and potential well before you reach retirement is vital if you want a superannuation outcome that is best for your future. This might involve a period of salary sacrifice into your super fund to help ‘top it up’. You may decide to use your super to transition to retirement, or consider if a SMSF is the best option for you in retirement.

Planning for Retirement

We all want to retire comfortably, however, what comfortable means to you is different to someone else. Your evolving financial plan should, at the right stage in your life, include a plan for your retirement; so that when it’s time, you can live the life you want to live on your terms.

Transitioning to Retirement

We don’t just wake up one morning and decide today is the day I am going to retire. Making a smooth transition from work to retirement is important, as it can provide both financial and personal benefits. Your retirement plan may include a transition to retirement strategy (TTR). TTR allows you to start using some of your super as an income stream prior to full retirement. This enables you to reduce your work hours while still earning a full wage.

Insurance

An insurance policy can be thought of as a promise that sits in your bottom drawer, hopefully you never need to call on that promise. However, if the life you want for you and your family is disrupted due to an unexpected change, for example, a  drop in income due to losing your job, a significant health event, accident or a loss of life.  The right insurance cover can be the difference to providing security and wealth protection and the ability to live comfortably. 

The types and levels of insurance you might need forms an important part of your financial plan; and may at different stages in your life include:

• Life Insurance
• Income Protection Insurance
• Trauma Insurance
• Total and Permanent Disability (TPD) Insurance

Wills and Estates

When you start earning money, collecting super and building up assets, having a Will and Estate Plan in place makes good sense. Such a plan enables you to outline your wishes and protect those you leave behind (should anything happen to you unexpectedly).

Many of our clients have said to us that a Will and Estate Plan is the ultimate for giving them peace of mind because they know they are leaving their family protected and provided for.

We have an online system that allows you to answer a few simple starter questions followed by a strategic discussion around your wishes.  click here.

Aged Care

Getting older happens to the best of us, and there will be a time when you start thinking about making a plan for your future care and living options. This is a daunting prospect for many as it is hard to know where to start. We can help guide your thinking, and answers questions around, how much will you need, and what are your options. 

Finance and Debt Management

There comes a time where we all have to borrow some money to buy our first big asset. It might be a car, getting into the property market or your first significant investment. Getting the right advice and a finance solution that best leverages that debt is important, especially if your expertise does not lie in this area. 

There is good debt and bad debt and understanding and managing your debt so it works for you and your circumstances is critical as you build wealth, create financial security and plan for your retirement. 

Business Succession Planning

Not all of us have started or run our own business but for those that do an area that is often overlooked is succession planning.  What is your exit strategy? what are the numbers you will need to exit and give yourself financial freedom or help you fund your next chapter in life? 

Get in touch

We are here to help you with your future planning no matter which chapter you are in your life.

Our advisers each specialise in the areas outlined above, and work together to ensure you are creating and protecting a world that you want to live in.