Our Services

Civic has particular expertise in advising members of the Australian Public Service and the Defence Force on complex issues and the many options and benefits available to them in the event of resignation, redundancy or retirement.

Our Range of Services

• Redundancy and retirement planning
• Future benefit projections and strategies for public sector employees particularly for CSS, PSS, DFRDB and MSBS members
• Pre-retirement wealth creation strategies, such as savings plans, gearing and superannuation
• Residential Aged Care advice
• Salary packaging advice
• Financial planning advice for clients who have self-managed superannuation funds
• Strategies for retirees to meet income and capital growth needs and to access Centrelink benefits, if applicable
• Share purchases and sales
• Expenditure and debt management strategies
• Referrals to specialist services as required, for example, term life, trauma and income protection insurance, home and investment loans, and estate planning strategies

Our Research Manager has developed sophisticated software programs to assist planners with estimates of potential benefits, particularly in relation to defined benefit superannuation schemes such as the:

• Commonwealth Superannuation Scheme (CSS)
• Public Sector Superannuation Scheme (PSS)
• Defence Force Retirement and Death Benefits Scheme (DFRDB)
• Military Superannuation and Benefits Scheme (MSBS)

Fees and Ongoing Service

A fee will be quoted for the preparation of a strategic financial plan.   A competitive fee will be charged to implement recommendations.

We believe it is very important to establish an ongoing professional relationship and trust with our clients.   This involves regular reviews of:

• the performance of their investments
• investment markets generally
• their changing needs
• new investment opportunities
• how the latest tax, superannuation and Centrelink rules may impact on or assist them.

There are a number of options available to clients for ongoing advice and services and in many cases the fee can be tax deductible

Our Financial Planning Advice

We design individual financial planning strategies for our clients after taking into consideration many aspects such as:

• Lifestyle needs and expectations
• Short, medium and long term goals
• Existing assets and liabilities
• Capital requirements in the short-medium term
• Ongoing income and expenditure requirements
• Tolerance to investment volatility
• Evaluation of risk management (insurance) needs, if applicable
• Estate planning issues.

Every client has a unique situation that requires a unique strategy.   Some clients seek to create further wealth prior to retirement, others face redundancy and a possible career change, while many others are retiring and could be apprehensive about all the investment and other options available to them.

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