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At XL Planners our aim is to assist you in establishing financial strategies that protect your family and business. We realise that every client is different in terms of their needs, objectives and stage of life. By treating each client as an individual we provide products tailored to suit your unique needs. In addition, we provide you with regular reviews to keep your objectives on track in response to market trends or changing legislation.

Retirement Planning

To make sure you're on track for the retirement you want, it can help to start with a retirement goal and plan. Here are a few important questions to consider:

  • When do you want to retire?
  • How much is enough and how will you generate that money?
  • Will you be able to live on the age pension?
  • Will your money run out?
  • What assets will you leave to your children?


Risk and return determines how much risk for reward you are willing to accept. Asset classes are divided into Growth (shares) greater returns with higher risk & Defensive (Cash) less returns and lower risk.


Insurance Through Superannuation

Where your superannuation owns the insurance and premiums are paid by the fund may help your cash flow but will reduce your retirement savings.

Business Insurance

If you cannot work what would happen to your business? How would you pay the rent and important staff if you are in a small business?

Personal Insurance

It is important to do a needs analysis to check what if….What if your income stopped due to injury or sickness, or if you died prematurely?


There's no getting away from it. If you earn an income you will generally need to pay tax. But a "taxpayer" can also be another "entity", like a business. And if that entity also earns income, it will generally need to pay tax as well.Taxes are a way of making sure that the government is able to provide facilities, infrastructure and services for the community.

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Spending more time with your family. Picking up a brand new hobby. Exploring exotic destinations for longer than your scant weeks of annual leave would allow. However you paint it, retirement is a beautiful goal to work towards. And starting early means you’ve got more time and energy to enjoy it. ...
You can't go back in time. Sound familiar? If you’ve ever said (or thought) the above, you’re not alone. It’s natural for the holidays to shape your ambitions for work/life balance in the year ahead. Unfortunately, the stats show for most the situation is less than ideal. The OECD Better Life Index ...

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