Let’s Work Together

Shume & Associates was created to provide results-driven, client-centred advice of the highest standard.

Our Core Values are:

Integrity- we respect the trust our clients place in us

Relationship- we spend time with our clients so we know what is important to them

Locally Owned- we place our client’s interests first

Professionalism- we are committed to the highest level of technical skills and ethical standards

What We Do

Financial Planning is the ongoing and evolving process of managing your financial arrangements to ensure your current and future goals and objectives can be achieved.

Financial Planning is rarely “set and forget”. Once your initial financial plan or strategy is in place it is important to regularly review your financial plan to ensure it remains appropriate to your ongoing and changing needs.

Shume & Associates offers a number of services that will assist you in achieving your financial goals.

Superannuation

Superannuation is an integral part of any retirement plan. These days most Australians have superannuation and whilst most people make or receive some contributions to superannuation, too many people will fall short of their retirement goals unless they plan for their retirement and explore some of the opportunities available to them via superannuation.

Shume & Associates can help you use superannuation effectively to help you meet your retirement goals. The advisors at Shume & Associates keep up to date with the most current information available to help you make smart and timely decisions about your superannuation.

Shume & Associates can provide detailed advice on:

  • Self Managed Superannuation Funds
  • Contribution strategies
  • Taxation considerations
  • Transition to retirement strategies
  • Drawing pensions and withdrawing from superannuation
  • Investment of your superannuation / construction of a portfolio within your superannuation
  • Gauging and managing the right level of risk for you

An increasing number of Australians are choosing to build wealth and provide for their retirement through Self Managed Superannuation Funds (SMSF). A SMSF allows you a greater level of control over the assets that you hold to fund your retirement.

If you set up a SMSF you become a trustee of the fund. This means that you become responsible for managing your SMSF according to its trust deed and the laws and rules that apply to SMSFs.

But is a Self Managed Superannuation Fund for you? What is involved? What would you invest in? What are the advantages and disadvantages? How would you meet your compliance obligations?

We at Shume & Associates offer a SMSF specialist advisory service and can answer all your questions about SMSFs, including advising on the best strategies to meet your investment goals and help you through the steps involved in meeting your trustee obligations.

David Shume is an accredited SMSF Advisor™, a certification granted only by the Self Managed Super Fund Association. Advisors with this designation have undergone independent accreditation and make an ongoing commitment to professional development and excellence in the SMSF sector.

Self Managed

Superannuation Funds

Self Managed

Superannuation Funds

An increasing number of Australians are choosing to build wealth and provide for their retirement through Self Managed Superannuation Funds (SMSF). A SMSF allows you a greater level of control over the assets that you hold to fund your retirement.

If you set up a SMSF you become a trustee of the fund. This means that you become responsible for managing your SMSF according to its trust deed and the laws and rules that apply to SMSFs.

But is a Self Managed Superannuation Fund for you? What is involved? What would you invest in? What are the advantages and disadvantages? How would you meet your compliance obligations?

We at Shume & Associates offer a SMSF specialist advisory service and can answer all your questions about SMSFs, including advising on the best strategies to meet your investment goals and help you through the steps involved in meeting your trustees obligations.

David Shume is an accredited SMSF Advisor™, a certification granted only by the Self Managed Super Fund Association. Advisors with this designation have undergone independent accreditation and make an ongoing commitment to professional development and excellence in the SMSF sector.

Wealth Creation /

Investment Specialists

There are so many investment options available to investors. How do you know which one is right for you?

We at Shume & Associates, can help guide you through the options and tailor an investment strategy specific to your needs.

Before investing you should consider:

  • What is your investment time frame?
  • What is the purpose of your investments?
  • What level of income or capital growth do you need to achieve?
  • What are the taxation implications, now and later?
  • What are the risks?
  • Do you know enough about the investment to make an informed decision?

An appropriate investment portfolio, whenter inside or outside of superannuation is the core of any retirement plan. We at Shume & Associates believe that constructing a portfolio required finding the right mix of investments that will deliver your desired outcome whilst taking no more risk than is necessary. Once we have assisted you in constructing a portfolio, we can assist you in regularly reviewing your portfolio as part of the ongoing service that we offer.

Most people wish to retire, however before you can retire you need to achieve financial independence. The first step in achieving financial independence is to plan for it. As with all plans, you need to determine the goals. These goals encompass many things such as when you would like to retire, what sort of lifestyle you would like to live in retierment and what goals you have for holidays, care upgrades etc.

Many people make the mistake of leaving their retirement planning until too late. The earlier you start planning the easier it will be to reach your goals.

Do you know the answer to the following?

  • What level of income will you require in retirement to meet your lifestyle?
  • What level of wealth will you require at retirement to provide you with the required income?
  • How will you accumulate wealth?

We can help you to answer all of these questions and more importantly set some goals regarding your retirement. Once your goals are set Shume & Associates can assist and advise you in developing a retirement plan to achieve your goals and importantly advise you how to maintain your retirement plan via our ongoing service.

Plan for Retirement

Plan for Retirement

Most people wish to retire, however before you can retire you need to achieve financial independence. The first step in achieving financial independence is to plan for it. As with all plans, you need to determine the goals. These goals encompass many things such as when you would like to retire, what sort of lifestyle you would like to live in retierment and what goals you have for holidays, care upgrades etc.

Many people make the mistake of leaving their retirement planning until too late. The earlier you start planning the easier it will be to reach your goals.

Do you know the answer to the following?

  • What level of income will you require in retirement to meet your lifestyle?
  • What level of wealth will you require at retirement to provide you with the required income?
  • How will you accumulate wealth?

We can help you to answer all of these questions and more importantly set some goals regarding your retirement. Once your goals are set Shume & Associates can assist and advise you in developing a retirement plan to achieve your goals and importantly advise you how to maintain your retirement plan via our ongoing service.

Ongoing Services

Once your initial retirement plan or strategy is in place it is important to regularly review your plan to ensure it remains appropriate to your ongoing and changing needs. Your plan may also need reviewing due to circumstances outside of your control, such as changes in legislation, market movements or economic factors.

Shume & Associates offers an ongoing service designed to keep you on track to achieve your financial goals and objectives.

1 South Street
Alstonville, New South Wales
PO Box 504
Alstonville NSW 2477
Tel: 02 6628 0334
Fax: 02 8007 0507
 
info@shumeassociates.com.au

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Shume & Associates is a Corporate Authorised Representative of Australian Financial Services licence Wealth Integrity Pty Ltd (AFSL 499766).