Financial Planning Services Australia Wide
Welcome to Summit Financial Planning - comprehensive financial advice for Australians at every stage. We work with professionals, young families, high-income earners, and clients from diverse backgrounds across Australia.
From cashflow optimisation and superannuation advice to transition-to-retirement strategies and wealth management, we help you take control of your financial future.
Cashflow & Wealth Creation
Transform your financial future with strategic cashflow management and wealth creation expertise.
We analyse your complete financial picture to identify hidden opportunities, enhance your cash position, and implement proven wealth-building strategies that compound over time.
Whether you're starting your journey or accelerating existing wealth, our tailored approach ensures every dollar works harder towards your financial independence.
Did you know...
Moving 1% of income into super from age 30 can add an estimated A$40k - $100k+ at retirement.
Freeing A$1,000/month for investment can grow to ~A$500k+ in 20 years at reasonable returns.
Tactical contribution timing and salary packaging can reduce tax drag and improve after‑tax compounding.
Clients who use disciplined cashflow plans and annual reviews are likelier to avoid costly behavioural mistakes and preserve long‑term wealth.
Sources: ABS | Australia Institute | Moneysmart | ATO | Moneysmart | Vanguard
Transition to Retirement & Superannuation Strategies
Unlock the power of transition to retirement strategies and superannuation optimisation to accelerate your path to financial freedom.
Our specialist advisers navigate complex super legislation to increase tax benefits, consolidate accounts, and implement TTR strategies that can save thousands annually while building your retirement nest egg faster.
Don't let duplicate fees and missed opportunities erode your future.
Did you know...
Starting super contributions just 1% higher at 25 adds $42,064 at retirement.
Average Australian needs $595,000 (single) or $690,000 (couple) for comfortable retirement.
Current average balance only $172,000 - less than 1/3 of requirements.
Women's super balances 25% lower than men's at retirement.
Sources: APRA | Australia Institute | Vanguard
SMSF Setup & Property Acquisition
As qualified specialists within this area we can accurately assess whether getting a property inside your SMSF is both financially feasible and in your best interests given your personal circumstances.
We will also provide you with a Statement of Advice which can be an invaluable document when dealing with the ATO or mortgage lenders as it demonstrates that a professional opinion was sought and recommended regarding buying property in super.
Additionally, whether via us or via our trusted referral partners, are able to facilitate the entire implementation process from setting up the SMSF, corporate trustees and bare trusts to getting the SMSF loan (LRBA) to buy the property and organising the fund accountants to ensure everything is lodged correctly and on time.
We pride ourselves on moving you from talking about property inside super to having the keys in your hands as soon as possible.
Did you know...
There are approx 653,062 SMSFs in Australia with a total of approx 1,203,127 members.
Assets inside SMSFs are approx $1.05 trillion nationally.
It's not uncommon to see rental incomes averaging $2,000-$3,000 per month, paid directly into super.
Sophisticated investors are known to use this strategy as part of a strong portfolio.
Sources: Forbes | Aussie Home Loans | Domain | WBTV | Your Mortgage
Risk Management & Protection
The above is just one example of how it's possible to protect your family's financial future with comprehensive risk management strategies tailored to your unique circumstances.
We analyse your protection gaps, structure optimal insurance coverage, and ensure your loved ones are safeguarded against life's uncertainties.
With 80% of Australian families underinsured and billions in unclaimed benefits, professional protection planning isn't optional—it's essential.
Did you know...
Denied TPD claims commonly become AFCA disputes, so policy wording at purchase matters for real‑world payouts.
Accepted mental‑health claims are increasing; similar policies can pay very differently depending on definitions and exclusions.
Holding insurance inside super lowers tax on premiums but brings caps, waiting periods and preservation rules that affect access to benefits.
Early adviser‑led claims lodgement and medical evidence collection materially speeds payments and reduces dispute risk.
Sources: Disability Stats | Income gap | AFCA | AFCA | ASIC
Debt & Tax Optimisation
Slash your tax bill and restructure debt to keep more money in your pocket.
Our strategic approach identifies missed deductions, optimises loan structures, and implements proven tax minimisation strategies within ATO guidelines.
From mortgage refinancing savings to maximising investment property benefits, we turn tax time from a burden into a wealth-building opportunity.
You can read more about tax minimisation strategies here.
Did you know...
Negative gearing benefits worth $12.3B annually to Australian investors.
50% CGT discount available on assets held over 12 months.
Super contributions taxed at 15% vs 37-45% personal income rates.
Professional tax planning can significantly reduce your annual tax liability.
The small business tax gap is $17.7 billion — structured planning can close costly leaks.
At Summit Financial Planning, we excel in precise financial management tailored to your needs. Contact us today for expert assistance.
Suite 59 10-20 Gwynne Street St Cremorne VIC 3121 Australia, Cremorne Victoria 3121
0401 010 740
Summit Financial Planning ABN 28 856 289 615 is a Corporate Authorised Representative of Lifespan Financial Planning Pty Ltd AFSL No. 229892 ABN 23 065 921 735.
Jeremy Douglas is an Authorised Representative (ASIC NO. 001238064) of Lifespan Financial Planning AFSL No. 229892.
The purpose of this website is to provide general information only and the contents of this website do not purport to provide personal financial advice. Summit Financial Planning strongly recommends that investors consult a financial adviser prior to making any investment decision.
The contents of this website do not take into account the investment objectives, financial situation or particular needs of any person and should not be used as the basis for making any financial or other decisions.
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