Lodestone Retirement Planning

Lodestone Retirement PlanningLodestone Retirement PlanningLodestone Retirement Planning

Lodestone Retirement Planning

Lodestone Retirement PlanningLodestone Retirement PlanningLodestone Retirement Planning
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move forward with confidence

move forward with confidencemove forward with confidencemove forward with confidence

Your compass for a secure financial future

Contact Us

move forward with confidence

move forward with confidencemove forward with confidencemove forward with confidence

Your compass for a secure financial future

Contact Us

OUR SERVICES

Retirement Planning

Retirement Planning

Retirement Planning

  • Pre-retirement planning for accumulators
  • Transition to retirement strategies
  • Retirement income streams
  • Tax minimisation strategies
  • State and Commonwealth Defined Benefit Pension Schemes
  • Account Based Pensions
  • Annuities


Superannuation

Retirement Planning

Retirement Planning

  • State (NSW) and Commonwealth Defined Benefit Superannuation Schemes (State Super Scheme, State Authorities Superannuation Scheme, Police Super Scheme, Commonwealth Superannuation Scheme, Public Sector Super)
  • Salary sacrifice
  • Contribution strategies
  • Superannuation portfolio review and construction
  • Downsizer contributions

Investment Advice

Retirement Planning

Investment Advice

  • Investment planning and selection
  • Children's education plan
  • Investing for passive income
  • Savings and investing
  • Regular investment plans
  • Managed Investment Funds

Estate Planning

Centrelink’s / DVA's Pensions and Concession Cards

Investment Advice

  • Minimising taxes to your beneficiaries and estate
  • Ensuring you are protected should you lose capacity to manage your affairs on your own
  • Develop strategies to increase the certainty that your assets are distributed in accordance with your instructions and any beneficiaries are cared for in line with your final wishes, after you pass away


Tax Management

Centrelink’s / DVA's Pensions and Concession Cards

Centrelink’s / DVA's Pensions and Concession Cards

  • Income tax minimisation
  • Capital gains tax minimisation
  • Tax effective superannuation contribution strategies
  • Asset ownership structure
  • Tax effective investments

Centrelink’s / DVA's Pensions and Concession Cards

Centrelink’s / DVA's Pensions and Concession Cards

Centrelink’s / DVA's Pensions and Concession Cards

Centrelink can play a significant role in planning for your retirement. 

Our process takes into consideration strategies to maximise your government benefits and entitlements such as:

  • Age Pension
  • DVA Pension
  • Commonwealth Seniors Health Card
  • Low Income Health Care Card


About Us

About Lodestone Retirement Planning

Over 20 years of experience in providing financial planning advice, specialising in wealth accumulation and retirement planning. 


We have extensive working knowledge in the areas of superannuation, including Commonwealth and State Superannuation Defined Benefit Superannuation Schemes, defined benefit pension schemes,   retirement income streams, managed investment funds, and social security.


Being privately owned and not associated with any product manufacturer, we are free from remuneration conflict as we do not receive any commission or soft dollar benefit from product providers. This means that we only recommend financial products, whether it be a superannuation fund, retirement income stream, or an insurance policy, we do so based solely on the merit of the product, such as proven performance track record, sound risk attributes, and low cost, and ultimately, suitability to your financial situation and needs. 

Why Us?

We focus heavily on building long-term relationships with our clients. As a boutique practice, our business model allows us to keep our practice small and manageable, focusing on quality over quantity. This ensures that you don’t get lost amongst a bigger practice, or an institution, where you can become just a number by changing advisers regularly. 

Being free from influence by any bank or financial institution, our advice is without bias or influence and always in your best interests.

Our Process

Initial Meeting

The aim of our initial meeting is for us to get to know each other and how we might be able to assist you towards a more secure financial future.  

We will endeavour to gain an understanding of your circumstances and your short and long-term goals. Whether that be to have a comfortable, worry-free retirement, pay off a mortgage, reduce tax, help your children with their property purchases, or make the most of your social security entitlements.   


It also gives us a chance to share with you our services and processes.  


Of course, where possible and appropriate, we will answer any questions you might have so that you can be sure that our services can meet with your needs.  


Financial Strategy Development  

Based on the information that you provided and our understanding of your investment objectives and personal investor risk profile, we will brainstorm and share with you our ideas, together with preliminary financial modelling to demonstrate possible cashflow and capital outcomes based on the strategies we proposed. If you’re comfortable that we’re on the right track, we will present you with our fee agreement, based on the scope of your advice needs.   


If required, we will conduct further follow up meetings to confirm our understand of your investment goals and attitude towards investing and investment risks to ensure that we have not missed anything.  


With your agreement to move forward, we then prepare your financial plan.  


Statement of Advice Presentation 

Once you’re comfortable with the strategic ideas discussed, we will prepare a comprehensive written financial plan, known as your Statement of Advice. This document outlines our understanding of your situation, investment goals, and personal tolerance level towards investment risks. It will contain our detailed recommendations and explanations of how they help to improve your financial situation and move you closer to your financial and lifestyle goals.  


Our goal is to make sure that the document is clear and easy to understand. So that you can approach your financial future with confidence, we will present this to you at a dedicated meeting so you have the opportunity to ask any questions to clarify anything you’re unsure about and feel confident in moving forward.  


Implementation 

Once you are comfortable with our recommendations and we’ve finalised your financial plan together, we take care of all the paperwork and handle any administrative complexities to put your plan into action. 


Ongoing Review and Support 

Once your financial plan is set in motion, we are committed to providing you with ongoing support and advice. Change is a life’s constant as we all know, such as personal changes, changes in legislation, investment market cycles and volatility, geopolitical turmoil, the ongoing pandemic, just to name a few.  


To give you the best chance of being able to maintain your lifestyle and arrive at your financial goals within your desired timeframe, we are a strong advocate of being available to our clients and conducting disciplined regular portfolio reviews to respond and cater for any changes and disruptions. 

ABOUT TOM NGUYEN

Certified Financial Planner and Principal

Tom is passionate about building strong client relationships and providing consistent, high-quality ongoing advice.  


With over 20 years of experience in financial planning, he blends his technical expertise with easy-to-understand advice to help his clients grow and manage their wealth.


He has a Bachelor of Science (Biomedical) degree from the University of Technology, Sydney, and completed his Diploma of Financial Planning in 2002. Tom has been a Certified Financial Planner (CFP) since 2007 and is a member of the Financial Advice Association of Australia (FAAA) and a registered Tax Practitioner (Tax Practitioners Board).


Testimonials

Julie and Steve - Schofields

“We were lucky enough to start seeking financial advice from Tom Nquyen approximately 15 years ago. Tom has been able to provide excellent advice on financial matters, navigating legislative and market changes. This has enabled us to have a very comfortable and worry free retirement. We look forward to continue working with Tom through our retirement.”

Frouke - Croydon Park

"I have been a client of Tom Nguyen’s for over 5 years and have benefited enormously from his sound financial advice.  He guided me through my working years while planning for retirement and has now helped me navigate the transition to full retirement.   During these years, there have been significant legislative and market changes, difficult for many of us to understand fully and to know how best to maximise our working and retirement incomes.  Tom has been wonderful in helping me with  these significant personal choices and I find him to be thorough, responsive as well as very personable.   He has given me great peace of mind in dealing with my finances." 

Ian and Anna - Cherrybrook

 “Tom has been our financial planner for many years and we have recommended him to many of our friends. Tom is highly experienced and knowledgeable. He is always generous with his time and speaks plainly when explaining financial concepts and strategies with us. Tom has helped us to confidently retire since 2012 and we are enjoying a lifestyle which we initially thought were not within our reach at that time. Thank you Tom.” 

NY - Castle Hill

 "I have known Tom Nguyen for almost 10 years. I really trust Tom on looking after my Superannuation Fund. Over the years he is very knowledgeable, trustworthy and continues to do his best to make sure that my superannuation fund is doing well. He strives to always achieve the best result and income for me."

Lyn & Tom - Bowen Mountain

“We would like to acknowledge Tom Nguyen’s excellent professional advice during our working careers and also throughout our retirement years.

Tom has consistently provided sound and clear financial guidance which really helped us to make confident decisions as we move into retirement. We highly recommend Tom’s professional services.” 

LH - Maraylya

“Tom has been my financial planner for many years. I have always found him to be highly trustworthy, professional and abreast of current issues which might affect my situation. Most importantly, he takes the time to listen and understand my needs and has been available to me and respond promptly whenever I need to call on him.

I feel my finances are in safe hands and highly recommend his services.”  

John & Carolyn - Breakfast Point

"We have known Tom professionally for over five years. He has always taken a genuine interest in us and our needs. 

We have found Tom to be an honest and independent adviser who has guided us through retirement years by being honest, available and responsive.

Tom has helped make the world of finance and super easier."

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Contact Us

The first step in your financial journey starts with partnering with an experienced guide. It is never too early or late to get started on your financial plans.

Lodestone Retirement Planning

4A /15 Terminus Street, Castle Hill, New South Wales 2154, Australia

02 9044 8718 0434 877 234 enquiry@lodestoneplanning.com.au

Hours

Monday - Friday: 9am - 5pm

Book a Complimentary Appointment

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