Cedar Wealth - Financial Advisers Perth

Cedar Wealth - Financial Advisers Perth Cedar Wealth Money Managers:

Strategic Individual Planning,
Business Exit & Succession,
Retirement Ltd. ABN 77 103 642 888 AFSL 227748.

General Advice Warning:
IBAMCY Group Pty Ltd trading as Cedar Wealth Money Managers are Authorised Representatives of Sentry Advice Pty. It is important for you to note that in preparing any information on this page Cedar Wealth Financial Advisers have not taken into account any particular persons objectives, financial situation or needs. Investors should, before acting on this informati

on, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend investors obtain financial advice specific to their situation before making any financial investment or insurance decision.

Simple steps today can make a significant difference tomorrowRetirement should bring greater freedom and peace of mind. ...
03/09/2026

Simple steps today can make a significant difference tomorrow

Retirement should bring greater freedom and peace of mind. Yet small mistakes in the years leading up to it can reduce your choices later. Here are some of the most common mistakes - and how to avoid them.

1. Starting too late
Planning only in your late 50s or early 60s can limit your options. Starting earlier gives you more time to build super, reduce debt and adjust if life changes.

2. Retiring without a clear plan
A super balance is not a retirement plan. You need to understand your likely income, major expenses, tax position and how long your money may need to last.

3. Carrying too much debt
Mortgage and personal debt can place pressure on retirement income. Reducing debt before you stop work may create greater flexibility.

4. Keeping too much in cash
Cash is important for emergencies and near-term spending, but inflation can reduce its buying power. Part of your retirement savings may still need long-term growth.

5. Making emotional investment decisions
Moving to cash after markets fall can lock in losses and mean missing the recovery. Decisions should follow your goals, timeframe and risk tolerance - not the headlines.

6. Underestimating retirement's length
Someone retiring at 60 may need their money to last 30 years or more. Allow for inflation, healthcare, home maintenance, travel and unexpected expenses.

7. Ignoring estate planning
An up-to-date Will, enduring authorities and valid super beneficiary nominations help protect the people you care about and reduce uncertainty.

8. Trying to manage everything alone
Super, tax, investments, debt, cashflow and estate planning should work together. Structured advice can identify opportunities and keep the strategy on track.

How Cedar Wealth Can Help

At Cedar Wealth Money Managers, we can help you assess whether your current plan will help you reach your long-term goals.
The right answer will depend on your situation.

Contact us here for a chat:

https://www.cwmm.com.au/general-connect/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

If Life Changed Tomorrow, Would Your Family Be Financially Safe?The financial role you play is bigger than a pay chequeF...
31/08/2026

If Life Changed Tomorrow, Would Your Family Be Financially Safe?

The financial role you play is bigger than a pay cheque

For many parents, especially those balancing paid work with most of the planning, care and organisation at home, illness or injury can affect the whole household. The mortgage, groceries, school costs, childcare and everyday bills still continue. Personal insurance can provide money when your family needs choices, time and stability most.

Four types of cover, four different jobs

Life cover pays a lump sum if you die or meet the policy’s terminal illness definition. It may help repay debt, fund future living costs and education, and reduce the financial pressure on the people caring for your children.

Total and Permanent Disability (TPD) cover pays a lump sum if you meet the policy definition of permanent disability. It may help with debt, treatment, rehabilitation, home changes, long-term care and replacing future earning capacity.

Trauma cover pays a lump sum if you are diagnosed with a specified serious condition covered by the policy. It can provide breathing space for treatment, recovery, time away from work and extra family support.

Income protection pays a regular benefit if illness or injury prevents you from working, subject to the policy terms, waiting period and benefit period. It can help keep household cash flow moving while you recover.

It is not only the income that needs protecting

A parent working part-time, taking a career break or doing more unpaid care still provides significant financial value. If that work suddenly had to be replaced, the family may face extra childcare, transport, household support and time away from work for the other parent. Good planning considers both income and unpaid responsibilities.

How much cover is enough?

The right amount is personal. It may depend on your mortgage and other debts, income, children’s ages, education plans, emergency savings, partner’s income, existing cover through super, health, occupation and the support available from family. Policy definitions, exclusions, premiums and ownership also matter. A regular review is important after having a child, changing jobs, buying a home, separating, repartnering or experiencing a major income change.

A simple way to think about it.

Protect
Provide for the people who rely on you if you are no longer there.

Recover
Create financial breathing space during serious illness or permanent disability.

Continue
Help keep income and everyday family commitments moving while you cannot work.

How Cedar Wealth can help

We can help you identify the financial risks your family would face, check existing insurance, compare appropriate cover and structure ownership and premiums around your broader cash flow, superannuation and estate planning.

Contact us here for a chat
https://www.cwmm.com.au/general-connect/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

Investment Tax Planning: Making More of What You EarnWhat is investment tax planning?Investment tax planning is the proc...
30/08/2026

Investment Tax Planning: Making More of What You Earn

What is investment tax planning?

Investment tax planning is the process of choosing the right mix of investment structures, contribution strategies and timing decisions so that tax is managed as part of the overall financial plan.

It considers where income is earned, how investments are owned, when gains may be realised, and whether superannuation, investment bonds or other structures may improve the long-term result.

Why tax planning matters

Investment income such as interest, dividends, rental income and capital gains generally needs to be declared in a personal tax return. Without planning, those earnings may simply add to taxable income each year.

The aim is not to chase tax savings in isolation. The aim is to build a strategy that supports retirement goals, cash flow, risk management and wealth creation.

The superannuation advantage

Superannuation is often central to tax planning because concessional contributions are generally taxed inside super rather than personally. The current concessional contribution cap from 1 July 2026 is $32,500.
Investment earnings in the accumulation phase are generally taxed at 15%, while earnings in the retirement phase are tax-free, subject to the transfer balance cap. This makes super a powerful long-term retirement planning environment.

Strategies that may be considered

Common strategies may include salary sacrifice, personal deductible contributions, using available carry-forward concessional contribution amounts, reviewing investment ownership, and managing the timing of gains and income.
For some clients, investment bonds may also sit alongside super because earnings are taxed internally and the structure can provide flexibility outside the superannuation system.

The value of planning ahead

The best tax outcomes often come from decisions made well before the end of the financial year. Planning earlier gives more time to coordinate contributions, cash flow, investment changes and advice from accountants where needed.

Tax planning works best when it is connected to the whole financial picture, not treated as a single once-a-year exercise.

How Cedar Wealth can help

At Cedar Wealth Money Managers, we can help you understand where tax planning may fit into your investment and retirement strategy, including superannuation contributions, investment structures and long-term wealth planning.
We can also work alongside your accountant or solicitor where specialist tax, legal or structural advice is required.

A simple way to think about it

Structure
Choose the right ownership and investment vehicle for the goal.

Contribute
Use super contribution rules carefully and within the caps.

Coordinate
Align tax planning with retirement

Contact us here for a chat:

https://www.cwmm.com.au/general-connect/

https://www.cwmm.com.au/licensing-and-general-advice-warning/

Address

Unit 1, 89 Winton Road, Joondalup
Perth, WA
6027

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61892563788

Website

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