Innovative Financial Solutions (QLD) is a boutique financial planning practice providing strategic financial advice solutions for clients in areas such as wealth creation, superannuation, risk management and retirement. Our aim is to help you achieve financial success and peace of mind by providing you with a personalised financial strategy. We strive to provide you with a plan that will create and protect your wealth over the long term, while dealing with your day to day financial needs and challenges. We are committed to client service excellence and ongoing adviser education. All of our advisers are qualified, financial experts with the necessary experience to ensure the best financial outcome for you. Our quality financial advice puts you in control.

The practice was established in 2005 by David Just and Mark Raff. Having each spent 7 years fine tuning their skills in a large financial institution David and Mark decided it was time to strike out on their own when they realised the frustrations of product placement, commission taking and poor service were not likely to change any time soon. Their dream was to establish a boutique financial planning firm that really understood its clients needs and was able to pull together a team of experts to deliver on this.

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.

Financial Services

Based in Robina, AAHS, an Australian Affordable Housing Securities Limited, holds an esteemed Australian Finance Services License and excels in pioneering finance schemes for ordinary Australians seeking rental or homeownership. Their investment decisions showcase discipline and their strong compliance and risk management culture ensures a secure environment. With a flair for innovation, AAHS leads the market in delivering creative financial solutions. Trust AAHS for expert Financial Planning assistance.

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!

Welcome to David Macnaught Financial Adviser - Fortnum, your trusted destination for expert Financial Planning services in Robina. With a wealth of knowledge and experience, we provide bespoke financial solutions tailored to your specific needs. Trust our esteemed team to guide you towards financial security and success, as we prioritise your goals and ensure sound financial decisions. Discover the peace of mind that comes with personalised financial advice, here at David Macnaught Financial Adviser - Fortnum.

Financial Advice Matters Group Gold Coast, based in Robina, is an esteemed financial planning firm that excels in providing comprehensive services. From goal setting to retirement planning, we expertly navigate the intricacies of financial management. Our team, located conveniently in Robina, extends their expertise to Varsity Lakes, Burleigh Waters, and beyond. We pride ourselves on delivering bespoke advice tailored to each client's unique life journey. Prioritising financial education and wellbeing planning, we ensure our clients' fiscal prosperity with utmost dedication.

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.

We assist everyday Australians to get ahead financially. We help our clients clarify and quantify goals that are important to them, then work closely with our clients to achieve their desired outcomes using our unique cashflow monitoring service. With a HM plan, it’s not about being told what to do or not to do with your money – it’s about having informed choices to attain goals and genuine financial success.

Welcome to It's Now Finance, your trusted partner in Financial Planning located in Robina. We're here to guide you through the intricate world of money management, providing personalised solutions tailored to your unique financial needs. With our team of expert advisers, we'll help you navigate the financial landscape and unlock opportunities for growth. Trust us to optimise your investments, safeguard your assets, and secure your financial future. Get started with It's Now Finance today and embrace a brighter tomorrow.

Financial Planners

Financial planning and business consulting

Specialised commercial & residential finance

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!

We help remove the tension involved in making informed decisions about your aged care choices. Accessing care for older Australians can be tricky with baffling jargon and a lot of paperwork. We make it easy for you to understand your options; whether that's staying at home longer with assistance or transitioning into to a residential aged care facility. Our aim is to hold your hand' through this journey and take the stress of your shoulders. We want to ensure that elderly Australians are taken care of in a dignified manner and that their families are comfortable with the choices made.

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.

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 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.

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

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.

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.

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.

At Mortgage Choice in Mudgeeraba, John Kennedy and his team of experienced local mortgage brokers are here to assist you. Whether you're a first-time buyer, seeking an investment property, or looking to pay off existing home loans sooner, we're on your side. With access to a wide panel of lenders, we meticulously review numerous mortgage options, providing you with a clear plan to confidently navigate the property market. Rest assured, we're driven to find the best product for you, and our service comes at no cost.

Arranging finance can be stressful, especially with some lenders now taking extra steps including going through your living expenses and credit scoring (ouch!). And sometimes banks can make you feel like ‘just a number'. That's why we want to do things differently: because you deserve better. At Mortgage Innovations, we love making your dreams a reality. We are an award winning office who you can entrust in to get your home loan approved. That means: Getting to know you, your situation and what you want to achieve Being there to help and answer your questions Making the process easy and stress-free Using our expertise to give you the best chance of approval Giving you a fast turnaround time Helping you save as much money as possible with the best loan to suit you All at to cost to you. As a local family-owned business, our team takes the time to listen, answer your questions and make getting your home, car or equipment loan as easy as possible. The first step in making your dreams a reality is a chat and that starts by requesting a free consultation with one of our friendly team. Jason and the Mortgage Innovations team Multi Award Winning Office awards include: 2022 Australian Mortgage Awards Best Regional Broker 2022 MFAA National Best Regional Broker 2022 Better Business Best QLD Regional Broker Office 2022 Better Business Best Customer Service by an Individual Broker 2021 Better Business Best QLD Regional Broker Office