Financial Planning

Financial Planning

Financial Planning Warrnambool

Financial Planning – demystified

Our whole financial planning process is very focused on your goals, concerns and future plans.

We work hard with you to figure out what you want your lifestyle to look like – whether that is starting a business, having kids, buying a house or travelling the world – and then we create a plan to make that happen.

Our real focus and a major strength is understanding your needs and concerns. Not what we think you need to hear about, but what you are actually concerned about!

We’ll help you create, grow and protect your wealth which in turn can help you achieve your goals by going through these five key areas:

Understand your ‘Freedom Gap’

To establish where you are financially at this stage of your life, we will create for you a one page plan for your future – how much money you will need, an estimate of how much money you’ll have and help you figure out what money you’ll need in the future to make sure you have the best possible financial lifestyle in the future!

Reduce Debt or make it Tax Deductible

You need a plan to reduce your debt over time and debt optimisation helps you to reduce your non-tax deductible debt, and to turn whatever debt you do have into tax deductible debt where possible.

Protect your family lifestyle if anything goes wrong

Ensures you and your family can continue to live the lifestyle you are used to or want to after a  major illness, accident, disablement or death.

Keep your family wealth in your ‘bloodline’

Ensure that your assets are kept in your family “bloodline” rather than possibly having one of your children lose their inheritance from a failed relationship.

Getting your Wills and Power of Attorney up to date and is one of the best things you can do to protect your family’s hard earned wealth.

General advice disclaimer

The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

Only financial planning advice provided by CeebeksTM Financial Solutions is associated with InterPrac Financial Planning Pty Ltd ASFL 246638

Christopher Beks (Authorised Representative no. 231937) is a director of CeebeksTM Financial Solutions (Authorised Representative no. 344518) and an Authorised Representative of InterPrac Financial Planning Pty Ltd ASFL 246638 and is authorised to provide personal financial advice.

Chris Beks operates under Beks and Associates Pty Ltd, Corporate Authorised Representative No. 344518.

Information We are required to Disclose to You

As a Registered Tax Agent (TA 62943015), our work for you is performed in accordance with the Tax Agent Services Act 2009. Under this Act, the Tax Agent Services (Code of Professional Conduct) Determination 2025 requires that we make the following disclosures to you:

1 .  Matters that could significantly influence your decision to engage us (or continue to engage us) for a Tax Agent Service from 1 July 2022 onward include the following:

  • None Applicable

2. The Tax Practitioner’s Board maintains a register of Tax Agents and BAS Agents. You can access and search this register here: https://www.tpb.gov.au/public-register

3. If you have a complaint about our Tax Agent services, you will need to contact us in the first instance with details by email. If they are unable to resolve your complaint within 3 business days, please contact our office manager, Angela Tirabassi,  by email (angela@ceebeks.com). Your complaint will be investigated by Angela or another Team  member who is not involved in the subject matter of the dispute where possible. We will provide you with email acknowledgement of receipt of your  complaint and our understanding of the circumstances. The email will inform you that we will attempt to resolve your complaint within 14 days and will outline the dispute resolution process. If you are unhappy with the outcome that we propose to you, you can then make a complaint to the Tax Practitioners Board (TPB) using the link listed above. The TPB will send you an email to acknowledge the receipt of your complaint and review and risk assess your complaint. If you are unhappy with how the TPB has dealt with your complaint, the above link includes details about your review rights and who can further assist you.