Financial planning
Financial planning, alongside your accountant
Retirement, super, investment and aged care advice through Clarity Wealth, who sit in the same office as Judge Accountants. Your financial planner and your accountant work from the same numbers, so the advice takes account of your tax, your business and your structures. Fees agreed with you in writing before any advice is prepared.
What advice covers
Retirement planning
When you can afford to stop work, how to draw an income from super, transition-to-retirement strategies, and how it all interacts with the Age Pension.
Superannuation
Whether your fund suits you, contribution strategies including salary sacrifice and catch-up contributions, and consolidating old accounts.
Self-managed super
Whether an SMSF is right for you, the investment strategy, and pension strategies, with Judge Accountants doing the fund’s accounts and tax.
Investment advice
A portfolio matched to your goals and how much risk you actually need to take, with regular reviews so it stays that way.
Wealth creation
Saving for a home, paying down debt, or building capital outside super, with a plan for cash flow so it’s sustainable.
Personal insurance
Life, total and permanent disability, trauma and income protection cover, sized to your debts and your family’s needs, and held inside or outside super.
Aged care
Fees, accommodation payments and how they affect the Age Pension and the family home, explained step by step when a parent needs care.
Estate planning
Making sure super and other assets go where you intend, including binding death benefit nominations, working with your solicitor on wills and trusts.
How it works
- First meeting. Where you are now, where you want to be, and what’s worrying you. No cost and no obligation.
- Fee agreed. You’re told what the advice will cost before any work starts.
- Statement of Advice. A written plan, explained in person, with your accountant involved where tax or structures are affected.
- Implementation and reviews. Help putting the plan in place, and regular reviews to keep it on track if you want them.
Your adviser
Matthew Corry, Partner, Clarity Wealth. Matthew has worked in financial services since 2009, starting in client services at an advice firm and then as a financial planner in banking, before joining RI Advice, where he helped establish and grow Clarity Wealth. He became a proprietor of the business in 2020. He holds a Bachelor of Business and a Diploma of Financial Services (Financial Planning), and is an authorised representative of RI Advice Group (no. 470238).
Important information
Clarity Wealth Pty Ltd (corporate authorised representative no. 1236536) and Matthew Corry (authorised representative no. 470238) are authorised representatives of RI Advice Group Pty Ltd ABN 23 001 774 125, AFSL 238429. Judge Accountants is not an authorised representative and does not provide financial product advice.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it’s appropriate for you and read the relevant Product Disclosure Statement. Read the Financial Services Guide and Adviser Profile before receiving advice.
Clarity Wealth does not currently pay or receive referral fees, commissions or other benefits for referrals, including to or from Judge Accountants.
Frequently asked questions
Who provides the financial advice?
Financial advice is provided by Matthew Corry of Clarity Wealth Pty Ltd. Matthew is an authorised representative (no. 470238) and Clarity Wealth a corporate authorised representative (no. 1236536) of RI Advice Group Pty Ltd, AFSL 238429. Judge Accountants doesn’t provide personal financial product advice itself; we work alongside Clarity Wealth so your adviser and your accountant are looking at the same numbers.
How much does financial advice cost?
The first meeting is free. After that, the fee for preparing your advice, and for ongoing reviews if you want them, is agreed with you before any work starts and depends on how complex your situation is and what you need. Fees can be paid directly or, for some products, deducted from your investment. Everything is set out in writing, and you decide whether to go ahead.
When should I see a financial planner?
Common times are five to ten years before retirement, after an inheritance or the sale of a business or property, when deciding whether an SMSF makes sense, when a parent needs aged care, or when you simply don’t know whether you’re on track.
What’s the difference between my accountant and a financial planner?
Your accountant looks after tax, structures and compliance. A financial planner is licensed to recommend specific financial products and strategies, such as which super fund, how to invest, how to draw a pension, or how much insurance to hold. The best results come when they talk to each other, which is why we work side by side.
What will I receive?
Personal advice comes in a written Statement of Advice explaining what’s recommended, why, what it costs and the risks. You can take it away, ask questions, and decide in your own time.
Ready to talk?
Book a free consultation of up to an hour, in the office or by video, or just call.