Our Services


For most of us, superannuation is something we rarely think about, if at all. We see it on our payslip or get a reminder when the statement turns up. But until retirement gets close, we just ignore it. We figure there is not much we can do about it.

Like all investments though, small differences can make a big difference over your working life.

At some point in time, you may have asked yourself the following:

  • Is my current superannuation right for me?

  • Do I have lost super and how do I find out if I do have lost super?

  • Should I consolidate my superannuation into a single account?

  • Am I paying too many fees and are there cheaper alternatives?

  • Will I have enough to retire?

  • Is my superannuation invested correctly to maximise my chances of having enough to retire?

  • What are the tax benefits of contributing to superannuation?

  • Should I be contributing extra to superannuation?

  • Is having insurance in superannuation right for me? What impact will it have on my retirement?

  • Am I eligible to access my superannuation early?

  • What happens to my superannuation when I change employers?

  • How do I setup a self-managed superannuation fund (SMSF) and is it right for me?

  • Can I purchase a property with my superannuation?

Whilst it may not seem like it now. Getting your super right is a big deal.

Getting it right could mean an early retirement with regular holidays.

Getting it wrong could mean working longer and living off the age pension.



No one really likes to pay tax. But the good news is, if you're paying tax, there a good chance you are either earning a good amount of income or you've had a win on an investment, so it's better than the alternative.

Despite that, it is worth looking into ways to minimise the tax you pay.

We will be able to help you answer questions like:

  • Am I paying the right amount of tax?

  • Should I consider salary packaging my next car?

  • How does salary packaging work?

  • What expenses can I claim on my tax return?

  • Is a family trust right for me?

  • How will salary sacrificing to super effect my tax?

  • Should I have private health insurance, and how will it impact on the tax I pay?

  • What is negative gearing and how does it work?

                   Finding the most tax efficient use of your money means more money in your                                 pocket. 

                   What you save could be used to start saving for your first home, reducing your                           debts or investing for your future. 



At one point or another, you may have tried coming up with a budget. Some succeed, most fail. Often, it is because we over complicate the process, setting up spreadsheets and tracking everything down to the last cent. It becomes a chore, and then eventually gets thrown in the too hard basket. To be successful, it should be simple to implement and allow some freedom to live your life without too much guilt.


If you are contemplating putting together a budget, either for the first time, or trying again, you've probably at some point asked yourself the following questions:

  • Why do I struggle to save money?

  • I earn good income, where does all the money go?

  • What is the best way to start saving for a holiday, home, or investment property?

  • I feel like I am not getting anywhere, how do I make a budget and start planning for my future? 

  • Where should I focus my attention? Repaying debt? Saving for a home? Can I do both?

  • How much do I need to save and how long with it take for me to achieve my goal?

  • Can I automate everything, so it is easy to manage?

  • How will I pay for my children's education?


Understanding your cashflow will form the foundation of your financial

success. We can help you understand where your money's going, get on top

of your finances and set up a simple plan to start saving for that first home,

dream holiday or start saving for your future.


Retirement Planning

Whether retirement is a couple years away or 20 years away, the sooner you start planning for it, the more likely you will have the retirement you always dreamed of.

It is hard to know where to start, but we know, and we can help clear things up and answer questions you may have like:

                                 People are living longer than ever these days. You will likely have to plan                                     for living at least 30 years in retirement. With a problem that big, you will                                       want to make sure you are making an informed decision. 

                              We would love to hear about your plans, and we are excited to come along                                  for the ride as you achieve them.


Life Insurance

Most of us have some form of life insurance through our superannuation, but not many of us know how much cover we have, whether it is enough and whether it will even payout when we need it most.


There are a lot of options out there. Which can make the decision about which one to choose difficult. Getting the right insurance plan could be the difference between financial hardship or financial freedom. We will help you consider the following:

  • Do I need life insurance?

  • What is the difference between Life, TPD, Trauma and Income Protection cover?

  • How much cover do I need to ensure my loved ones are taken care of?

  • How do I make sure the payout gets to my loved ones when they need it?

  • Should I pay for my insurance with my superannuation?

  • Will my income protection payout if I have sick leave, or do I have to use it first?

  • Is the life insurance in my super good enough?

  • How often should I review my insurance cover?

  • Why are there so many medical questions, and what is the benefit for me?

  • Can I get insurance if I have pre-existing medical conditions?


Life is unpredictable. Nobody knows what is coming around the corner.

Rather than leave it to chance, plan and protect yourself and your



Debt Reduction

Not all debt is bad debt. Understanding when the right time might be to take out a loan, or what you can borrow money for, could kickstart your finances. Some debt though, is bad debt and the sooner you can pay it off, and start saving interest, the sooner you can put that money towards something you have dreamed about.

To get you on the right track, and start saving interest, we will help you answer all the following questions:

  • How to save a deposit in order to get a home loan?

  • Where to go to find a loan, and figure out how much you can borrow?

  • Should I make additional repayments to my mortgage?

  • Should I take a fixed or variable interest rate?

  • What is an offset account, and should I have an offset account?

  • When is the right time to borrow for an investment property?

  • How do I access the equity in my home?

  • What is redraw and how do I know if I have it?

  • Should I get a lease to purchase my next car?

  • How do I, and should I, refinance my other debts into my home loan?

  • How do I payoff my credit card debt sooner?

  • Should I pay more than the minimum payment on my credit card?

                                               Bad debt can cripple your finances, just ask anyone who is stuck                                                       with multiple credit cards maxed out. Good debt could have you in                                                         your first home, buying your first investment property, or                                                                    building a property portfolio. Understanding how to navigate                                                            this is the key.


Estate Planning

At some point in your life, you have probably thought about getting a Will. Life is busy though, and if you are fit and healthy, it is probably not a high priority for you.

There is more to an estate plan than having a will, we will help you understand the following:

  • Do I need a will?

  • Should I update my will, and if so, how often should I do it?

  • Will my superannuation be covered by my will?

  • What assets are covered by my will?

  • Should I nominate a beneficiary on my superannuation?

  • Who can I nominate as a beneficiary on my superannuation?

  • What is a power of attorney and do I need one?

  • What are the potential Centrelink benefits of special disability trusts?


Estate planning is not just for your parents. No one knows when their time

will come. Without a plan in place, you are leaving it for someone else to decide

how you and your loved ones will be looked after. Start working on your estate plan

before someone must decide for you.



At some point in your life, you might be in the fortunate position where you are starting to think about investing. You might have heard about or discussed different options with family and friends. You may be considering investments like investment property and crypto, we will help you consider alternatives like shares, managed funds or term deposits. 

If you have never invested before, and started with a quick Google search, you might be overwhelmed with all the options out there. We will help you understand your options, assist with choosing what is right and answer any questions you may have like:

  • How does investing in shares differ from investing in property?

  • What are the risks of shares compared to investment property?

  • What shares should I invest in?

  • Will I lose all my money if I invest in shares?

  • Will I have to pay tax on my investment?

  • What is negative gearing? 

  • How much do I need to start investing in shares?

  • Should I invest a lump sum? Or should I use it to pay off debt first?

  • When is the best time to invest?

                               Investing does not have to be complicated. We will help you understand                                           whether to get into investing, where to start and which option is best to set you                                 up for the future.


Your Financial Plan

Your financial plan is like a GPS for your finances.


Imagine getting in the car and trying to figure out how to get somewhere you have never been. You might be able to get close, maybe in the right suburb, or a nearby street, but you will probably need the GPS to get you the rest of the way.

It is similar with your finances and planning for your future. Going with the flow or leaving it to chance might get you there. But what if it does not, and what if you do not notice till it is too late. Better to have some direction and know how to control the outcome.


Everyone's situation is different, and as such, their financial plan should be

different too. Your financial plan will be tailored to your personal circumstances,

the goals you have set for yourself and your family, and give you easy to follow

steps to your financial freedom.

Like many things in life, the sooner you start, the easier it will be, and the

more likely you will succeed. Leaving things to the last minute will usually just

create unwanted pressure and stress.


Contact us now to begin making your tailored financial plan, and start living your ideal life....


Karthik - 0415 223 182

Micheal - 0456 757 140


Aurora Wealth

Suite 41, Level 2, 66 Victor Cres

Narre Warren, VIC, 3805

Micheal Anderson, Karthik Ganapathy Sivashanmugham and A.G.S Financial Services Pty Ltd t/as Aurora Wealth are Authorised Representatives of Synchron, AFS Licence No. 243313.

The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

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