Services

• Constructing wealth creation and retirement plans

  Building a robust and innovative wealth management strategy is a complex and highly personal process. At Cardena we use our expertise to explore the possibilities and deliver you insights and knowledge aligned to your specific needs. We then look to the future to build a tailored roadmap for your personal wealth accumulation and retirement aspirations.

  At Cardena our advisers bring a multitude of skills from their professional backgrounds in accounting, law and wealth management. We’re also committed to working together with your tax adviser or estate planning lawyer to ensure you receive a holistic wealth management solution. 

  Once we’ve developed your wealth management strategy, we offer ongoing personal advice and regular strategy reviews to ensure you remain motivated, goal-oriented and on top of your affairs. We also regularly share market insights and offer you access to professional wealth management resources to ensure you can be involved and in control of your wealth management strategy.

• Superannuation planning

  As part of the development of your comprehensive financial strategy, your Cardena adviser will review your existing superannuation arrangements and determine the best approach for using your superannuation as a tool to achieve your financial goals. 

  We will help you understand and compare the strengths and weaknesses of the different types of super funds – retail super, industry super, and self-managed super funds – and rationally assess which option best suits your investment objectives.

• SMSF administration and account management

  At Cardena we can help you establish a self-managed superannuation fund (SMSF), and offer you a comprehensive SMSF administration and account management service. Our SMSF service helps you manage your SMSF via 24/7 online access to your SMSF portfolio and essential account information while outsourcing all of the paperwork and admin to us.

  Our system can take care of all of the SMSF administration, processing and year-end tasks including minutes, annual accounts, annual audit, tax preparation and lodgement. All transactions are processed daily via digital data feeds and sophisticated matching and coding, and you’ll have the ability to conduct real-time year-end tax and superannuation planning.

• Debt and cash flow management

  At Cardena our team pay attention to debt structuring, debt strategies and the suitability of existing loan structures and repayment options aligned to your cash flow capabilities. We can also offer access to innovative real time applications that help you to automatically track expenditures and compare to a budget you have set. 

  Our view is that while borrowing to invest can accelerate investment returns, it also increases the overall risk of an investment strategy. We focus on managing risk by imposing strict gearing limits, and ensuring adequate cash reserves and surplus income.

• Personal risk insurance

  If something were to happen to you, how long could you and your family maintain your lifestyle and continue to pay your bills? As part of a holistic approach to building a wealth management strategy, your Cardena adviser will review your existing insurances to make sure that if anything happens to you, your family will be protected. 

• Cross border and expatriate related issues

  When moving from one country to another there are many things to plan for. A visa, employment, housing, and shipping – the list is quite daunting. Often, the less tangible aspects of immigration are overlooked and have the potential to cause serious problems in the future.

  There are significant financial, taxation and legal factors which can’t be overlooked and require planning, ideally before you depart Australia. Cardena offer a financial advisory service to expatriates leaving Australia to reside abroad and we partner with specialists overseas to help you gain a better understanding of the cross border issues between the country you’re relocating to, and Australia. By working with specialists from other regions, we can help you to consider the ideal outcomes and manage your assets in both countries, in a tax efficient way.

• Estate planning and asset protection

  Estate planning is one of the key considerations in any financial plan to ensure your personal and family assets are protected and that your wishes are carried out in the event of death. For many, conversations around these types of issues are extremely difficult and stressful, and as a result are often avoided. In our experience, making a will is fundamental to ensuring the future security of your family and your beneficiaries.

  At Cardena we work with specialist estate planning lawyers who are skilled in preparing wills for both large and small estates. We can make sure that your estate plan leaves nothing to chance and protects your family from needless financial or legal problems. 

  We understand that estate planning isn’t just about assets and financial matters, which is why we also pay close attention to areas such as the guardianship of your children and ensuring an enduring power of attorney is in place.

• Aged care advice

  Increasingly, the responsibility for funding aged care is impacting those who have both ageing parents and adult children – a population commonly referred to as the ‘sandwich generation’. This challenge is compounded by the need to navigate the complex language and rules associated with aged care.

  At Cardena we have a four-step approach to help you to develop and implement an aged care plan that takes into account your individual family circumstances. We’ll also help you align an aged care plan with broader estate planning issues such as succession, bequests, real estate issues and other consequences; and help align the plan with the expectations and needs of all the relevant generations of your family.

• Philanthropic and charitable giving strategies

  A growing number of Australians are becoming more and more interested in how they can give back to society and the broader community through philanthropic and charitable giving strategies. Many of our clients have spent most of their life and careers building their financial security and independence. As a result, many are in a position where they now want to give serious consideration, and dedicate more of their personal time, towards such philanthropic pursuits.

  In recognition of this need, Cardena has partnered with organisations specialising in the philanthropic sector and can offer clients access to the following services:

  • The establishment and ongoing administration of private ancillary funds for individuals and families;
  • Access to public ancillary funds, and assistance to groups wishing to set up their own public ancillary fund; and
  • Assistance for individuals and foundations to plan their grant making, so they can support the community more effectively.