Financial planning and business consulting

Welcome to The Loan Market, your trusted finance broker in Robina. We specialise in providing bespoke financial solutions, including loans, mortgages, and financial planning. Our expert team is here to assist you in achieving your financial goals, ensuring you receive tailored advice and personalised service. With our extensive network of lenders, we'll find the best loan options for you. Experience the difference of working with a reliable and dedicated financial partner. Let's embark on this journey together and unlock your financial potential!

At Via Financial Group, we believe that true wealth lies not in possessions, but in the ability to pursue your passions. With our expertise in financial advice, wealth management, and personal and business insurance, we safeguard your assets, giving you the freedom to focus on what truly matters to you. Our accredited advisors, based in Robina, Sydney, the Northern Rivers region of New South Wales, and the Gold Coast, offer tailored solutions for a secure and sustainable financial future.

Financial Services

Looking for a Gold Coast accountant? Look no further than B&M Financial in Robina. With a passion for helping clients maximise their financial potential, we take the time to understand your goals and develop a comprehensive plan tailored to your needs. From self-managed superannuation funds and tax advice to estate planning and risk management, our team of experienced professionals provides top-quality financial services. Contact us on 1300 266 255 to take control of your financial future today.

At Finlife Advice, situated in Robina, we are masters of the Financial Planning realm. Our expertise spans across a wide array of areas, including devising innovative investment strategies, tailored retirement planning, Superannuation solutions, SMSF advice, Aged care and Centrelink guidance, as well as astute tax and estate planning. Trust us to navigate the intricate financial landscape with finesse, as we assist you in securing your future with unrivalled precision and care.

Welcome to Independent Wealth Management, your trusted partner for comprehensive financial planning in Robina. Our experienced team is dedicated to assisting you in creating a tailored wealth management strategy that aligns with your goals and aspirations. With a focus on personalised advice and a commitment to transparency, we aim to maximise your financial potential and secure a prosperous future. Contact us today for expert guidance on investments, retirement planning, and more.

The MRD Way: We give you the freedom to choose your future. Our goal is to give you the ability to build long term wealth for your family's future. As experts in building property investment portfolios, our approach is to treat your property investments like a business. Most importantly, our approach is to treat you like a partner. We teach you to invest the smart way; with the least amount of risk possible. We help you learn the simple way so that you can grow the right way. At the end of the day we're here to assist you. Think of us like your personal assistant in property helping you, advising you, researching for you and looking out for you. That's the MRD way.

CCOUNTING SERVICES FOR GROWTH IN YOUR BUSINESS We make sense of your numbers so you make better decisions

The purpose of the Bankruptcy Act is to provide a humane solution for persons who are unable to pay their debts. If you feel overwhelmed by financial pressures then bankruptcy is a legitimate way for you to get out of debt so that you can start again, get back on your feet and get on with your life. We offer a helping hand throughout this processes. Thousands of "ordinary people" choose to utilise bankruptcy each year and any one can go bankrupt. The pressures of debt can be suffocating and this is the reason for the bankruptcy act. The types of debt people feel overwhelmed by include credit card debt, personal loan debt, tax debt or debt from an adverse Court Judgement and much more. Some of the causes of these debts can include; rela- tionship breakdown, unemployment or underemployment, sickness, adverse Court judgement, busi- ness failure, act of nature (eg Floods), a personal guarantee and structural change within an industry just to name a few. Only individuals can go bankruptcy. If you have a company that is unable to pay its debts then liquida- tion is a companies way of going bankrupt and requires a little more work but in many ways the pro- cesses are quite similar. If you are considering bankruptcy then you need to know how it works and how it may effect your life. Bankruptcy needs to be a sensible solution for both the person going bankrupt as well as the credi- tors who are owed the money. Too often the person who owes the money is pressured by the creditor to pay them. If the person cannot pay the debt they will often experience increasing emotional, rela- tionship and health problems. As time progresses the ability to repay the debt deteriorates until their life implodes. This is no good for anyone. It is best to be open and honest, admit you can't pay the debt and declare bankrupt. Then everyone knows where they stand. Bankruptcy enables everyone to put direction into their lives and so be able to plan forward. Once you obtain the protection of bankruptcy, life goes on as normal. The biggest difference people tell us is that they can use their wages to live rather than having no money because all their wages were being used for loan repayments. The Trustee is not involved in your daily life. The role of the Trustee is to administer the bankrupt estate although it is worth mentioning that you are required to help the Trustee should that be required. That might mean sending a document or having a chat on the telephone. Household furniture & effects are protected unless you have items of value that will appreciate like works of art or antique furniture. You are able to save and replace items of furniture & effects during the three years of the bankruptcy. You can retain tools of trade to an auction value of $3,600. This amount enables a lot of tools of trade to be retained as these days tools tend to sell for very little at auction. Transport is very important; you can retain cars to an auction value of $7,350. These days a lot of people have cars on finance and normally the lender will allow people to retain the car during the three years you are bankrupt (and then once bankruptcy has been completed) provided the payments are kept up to date. They do this as cars depreciate rapidly and if the financier repossess the car they will most likely sell it for less than the amount owing and bring a loss to account. This loss would be a provable debt in the bankruptcy. To avoid this lenders allow people to retain the car and to continue making the payments. If in any doubt, we recommend that you discuss the car with the lender prior to proceeding to lodge the papers for bankruptcy. It is important that you can function in your day to day life post bankruptcy. Where a car is subject to finance, the value of the car that can be retained is the loan payout plus $7,350. For example, if the loan payout is $20,000 then for the car to be retained its auction value should not be more than $27,350. If you have a car that exceeds the $7,350 threshold equity amount and you need to retain the vehicle, give us a call and we will try to help and will look to see if anything can be done to help you retain the car. A Debit Card. We recommend to people that they obtain a Debit Card so they still have the conve- nience of a credit card if travelling, buying goods on line etc. A Debit Card works the same as a credit card except you are using your own money and do not have the costs and interest that will be in- curred on a credit card if the monies are not repaid on time. During the 3 years of bankruptcy you must disclose your bankruptcy when applying for, or obtaining goods and services on credit or by cheque for more than $5,333. Normally, once subject to bankruptcy you will not be able to obtain a credit card and we recommend that you do not obtain credit as you will most likely be charged a high rate of interest which will detract from your funds that are available for day to day living. Use bank- ruptcy to create the habit of saving, no matter how small the amount being saved is. Plan. Bankruptcy is not only about assisting you to resolve debt that you are unable to repay, it is also about reconfiguring the way you live your life going forward. We recommend that you create some quiet time and plan how you want to live your life once you have the protection of bankruptcy, it is a new start so do not waste the opportunity. Cash. On the day of your bankruptcy, most Trustees will allow you to have $1,000 in your bank ac- count. Once you have received your bankruptcy file number and have the protection of bankruptcy, any money you save in your bank account from your income is protected. However these monies must remain in your bank account and cannot be invested into property, managed fund, shares etc. The funds can however be used for living expenses, replace a fridge, lounge, TV or even to go on a holiday etc. Once discharged from bankruptcy the funds in the bank account are available for you to do what you want. Tax Refund. Any monies able to be claimed as a tax refund for the year or part year prior to bank- ruptcy, go to the bankrupt estate. For example, if a person becomes bankrupt on 30 September, 2012 and lodges a tax return for the Financial Year ended 30 June 2013 and obtains a tax refund of $1,200, then $300 will go to the bankrupt estate and the person will get to keep $900 of the refund. All subsequent refunds during bankruptcy can be retained by the bankrupt person, but will be looked at as these are really some of your net income, and so may take your earnings over what is called the Threshhold amount. Another point to note is, if monies are owed to the Tax Office, refunds during bankruptcy will be retained by the Tax Office against taxes owing at the date of bankruptcy. This only happens during the three years of the bankruptcy. My House. It is possible, depending on your circumstances, to save a house when you become bankrupt. Each case needs to be considered on its own merits. It is in everyone's best interest if the social consequences from the trauma of extreme financial problems can be minimised. The effects and consequences for other (non bankrupt) members of the family can be significant. Kids can be dis- tressed from losing the security of their bedroom, the non bankrupt spouse can be devastated to lose the house when they do not have financial problems, etc. and we will work to help the non bankrupt spouse to save the house if we consider this to be a viable option. Overseas Travel. During bankruptcy you can still travel overseas. Those persons wishing to travel will however need to obtain permission from their trustee to travel overseas. There is a form to be filled out to authorise the travel. It is very rare that overseas travel is declined. How much can I earn. - No dependents - - 1 Dependent - - 2 Dependents - - 3 Dependents - - 4 Dependents - - Over 4 dependents - $52543.40 (After Tax) $62,001.21(After Tax) $66730.12 (After Tax) $69,357.29 (After Tax) $70,408.16 (After Tax) $71,459.02 (After Tax) If your after tax income exceeds these threshold amounts (depending on the number of dependants you have) you will have to pay income contributions to the bankrupt estate of half of each dollar that you earn above your threshold amount. You get to keep the other half of the excess as protected in- come. Some people who are subject to bankruptcy save their half of the excess income to save for a holiday, to buy a car once discharged from bankruptcy, to save a deposit to buy a house once dis- charged from bankruptcy. Where income contributions are required to be paid, the Trustee seldom contacts the employer. They liaise with the person subject to the bankruptcy for the payment of the income contributions. The Bankruptcy Act is very humane. One of the great attributes of bankruptcy is that it ensures that your income is protected so as to ensure your wages are available for the provision of the necessities of life such as rent, food, electricity, fuel, transport costs, saving for a holiday, that sort of thing. Superannuation. Monies held in a superannuation fund are protected provided they have been ac- cumulated over time. If lump sums are deposited into the Super Fund prior to bankruptcy there can be problems. During bankruptcy, monies your employer pays into your super fund are protected and are not available to the bankrupt estate. You are not precluded from depositing money into your super fund during bankruptcy and if you are considering doing this we recommend that you first obtain ad- vice from your superannuation advisor. Post the commencement of bankruptcy, monies you receive from your super fund are protected. If you receive an income from your super fund and it exceeds the above mentioned threshold amount that is relevant for you (eg. $52,543.40 if you have no depen- dants) then you may have to pay income contributions.

We are Business Engineers, an Industry leader in Personal/Business Finance, Accounts and Solutions. We are passionate about engineering businesses for maximum performance. As a result, regardless of industry, we believe all businesses share fundamental similarities and can be fixed, improved, and/or optimised by utilising the latest everyday technology, appropriate structures and efficient uses. Above all, we take a holistic approach to simplifying your business success. We are not just a consultancy firm; we get in and engineer your bottom line!

Equity Access Australia is a mortgage and finance company providing a range of loan services to Northern Rivers clients. We are specialists in property finance, particularly home loans, and can source the loan that best suits your unique needs.

A financial planning business in the Robina area.

H&R Block, situated in Pacific Pines, is Australia's leading tax services firm. Our adept accountants, renowned for their expertise in bookkeeping, tax accounting, and general accounting, proffer invaluable advice on income tax returns, refunds, and more. Discover the nearest H&R Block office effortlessly. Our commitment to excellence and customer satisfaction sets us apart, making us the go-to destination for all your tax-related queries. Trust us to navigate the intricate world of taxes with finesse and efficiency.

Practical Super, located in Broadbeach Waters, is a trusted financial planning service offering expert advice and solutions tailored to your individual needs. Our team of experienced advisors specialise in assisting clients in maximising their financial potential, with a focus on wealth creation and retirement planning. With an emphasis on practical strategies and personalised service, we strive to guide you towards a secure and prosperous future. Let us navigate the complex world of finance and help you achieve your financial goals.

At Topstone Property Invest, we're passionate about helping individuals achieve financial freedom. Our focus lies in developing the right financial structure, utilising property as a means to acquire income-generating assets. Situated in Varsity Lakes, we specialise in financial planning, guiding our clients towards a secure and prosperous future. Trust us to pave the path towards prosperity, unlocking opportunities for long-term wealth accumulation. Let's embark on this journey together!

To develop lifelong partnerships with our clients that see them achieve ultimate financial freedom/success as a result of our exceptional, bespoke advice.

AllState Partners offers a refreshing alternative to other business advisory, financial or accounting organisations, with a select range of services for business entrepreneurs and professionals.

At Centaurus Wealth we are passionate about providing quality financial advice to guide our clients through life. Our advisors are financial advice specialists spend every day advising clients on how they can get ahead in life and build a nest-egg for a comfortable retirement. After doing this for so long, we believe we well positioned to provide quality advice to clients and are the best people to guide you with your financial decisions in life.

Corbwood & Associates specialise in assisting every day Australian families to create wealth by investing in high growth, positive cash flow residential Australian properties both inside and outside superannuation. We have always been a complimentary service provider and we always will be in order to stand by our mission of helping everyday Australians get above the bread line and have a brighter financial future. We work directly alongside some of the countries best financial planners, mortgage and insurance brokers, accountants and solicitors to make sure that you are supported and cared for every step of the way through to your retirement. After engaging our services you will be assigned a dedicated Client Liaison Officer (CLO), so you will only ever have to maintain one relationship and that person can work 1 to 1 with you to make sure we achieve all of your financial goals.

"For over 45 years, Crest Accountants on the Gold Coast have been empowering individuals, families and businesses to nurture financial success, security and peace of mind. Our strong foundation has been built on old-school principles, trust and transparency, which has enabled us to build and nurture long lasting client relationships – where getting to know you, is our priority."

Why Rent When You Can Own? Easy Property Pty Ltd, based in Pacific Pines, offers new house and land builds, making home ownership more accessible. As low deposit and single contract specialists, we help you achieve your dreams without financial stress. Our financial planning services ensure a smooth journey towards owning your own home. With our expertise, owning property becomes a reality. Start your journey towards home ownership today with Easy Property Pty Ltd.

Welcome to FinCare Accounting, your premier accounting and financial services firm in Varsity Lakes, on the beautiful Gold Coast. Our dedicated team specialises in goal setting, tax minimisation, compliance, budgeting, debt reduction, wealth creation, cash flow management, performance management, benchmarking, succession planning, retirement planning, and so much more. With our expert advice, we'll help you navigate the world of finance and achieve your financial goals. Trust FinCare Accounting for all your accounting and financial needs.

Wealth Management, creation and growth for Individuals and Business

Welcome to Freedom Realty Group. We are a real estate resource on the Gold Coast, specialising in Property Management. We focus exclusively on providing high-quality property management services and pride ourselves on providing solutions to all of the Gold Coasts Real Estate needs.

At Generation Private Wealth we offer expert financial education for those at any stage of life who want to plan for a better financial Future. As a result you will grow your personal wealth and become smarter in the way you plan and execute your financial goals. We are also proud sponsors of the Miami Swimming Club who have produced a representative at every Olympic Games since the first Olympian Andrew Baildon at the 1988 Seoul Olympics.

Insight Financial Advisers, located in Varsity Lakes, are distinguished specialists in wealth and retirement advisement. With an impressive range of services spanning life insurance, investment services, stockbrokers, banks & building societies, insurance agents & advisors, financial planning, and wills, estates & probates, our astute team offers tailored solutions to secure your financial future. Count on us to guide you with finesse, unlocking a world of possibilities for your financial goals. Trust in our expertise to shepherd you towards prosperity.

Invest Blue is dedicated to helping individuals achieve their goals and live their best lives through bespoke financial advice. Located on the Gold Coast, our team of skilled Financial Planners and knowledgeable Lenders are ready to assist with home loans, investment mortgages, and a wide range of financial solutions. From tailored Financial Planning and Wealth Creation to Retirement Planning and Debt Management, we cover it all. Contact us today to unlock your potential for a prosperous future.

Established in Armidale in 1996, Invest Blue has offices conveniently located in rural, coastal and city locations in Queensland, Northern New South Wales, Victoria, Tasmania and the ACT. All of our offices are supported by an operations team of technical advice, research, marketing and IT specialists. What this means for Invest Blue clients is that they can deal with someone local but also benefit from the expertise and support of the collective company. We are here to empower you to live your best possible life through comprehensive financial advice. We do this by getting to know you and what is most important to you and developing a strategy tailored to your unique situation. Invest Blue is passionate about helping people to reach their goals and live their best possible life by providing quality, tailored financial advice. We are a Financial Planner located in the Gold Coast, QLD. We have a strong team of Financial Planners as well as a dedicated Lending team to support those looking for home loans or investment mortgages. We offer tailored Financial Advice on Financial Planning, Wealth Creation, Wealth Management, Wealth Protection, Superannuation, Retirement Planning, Tax Strategies, Debt Management, Life Insurance, Income Protection, Investments, Lending, Budgeting and Money Management. We service a large area in and around the Gold Coast so please get in touch to see how we can help you live your best possible life.

Lake Terraces, a vision actualized over five years, is an embodiment of the Mortley team's aspirations. Spearheaded by Professor Raoul Mortley AO and his wife Miranda, this breathtaking development in Robina showcases their enduring passion for excellence. With Professor Mortley's exceptional expertise, including pioneering Australia's first intellectual property policy and presiding over esteemed companies in engineering, Lake Terraces stands as a testament to meticulous craftsmanship. Step into a world-class realm and unlock your financial planning goals with Lake Terraces in Robina.

Located in Varsity Lakes, at the heart of the Gold Coast, Prestige Wealth Management is a locally-owned financial planning business, renowned for its distinctive approach to financial advice. Our expert team offers bespoke solutions tailored to each client's unique needs. Discover the unrivalled expertise, attentive service, and innovative strategies that make us the go-to choice for those seeking top-tier financial planning services. Trust us to help you achieve your financial goals with finesse.

Running your own business is hard enough. SiDCOR chartered accountants can help simplify your finances so you can enjoy more of what you love in life – whether that’s sinking holes on the green or spending more time with the people you love. Our passion is working with small to medium business owners because we’re as keen to grow your business as you are. We aim to first understand your business, so we can understand you.