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Estate Planning


What is Estate Planning?


This can be described as a planning strategy aimed at giving:


a) financial security for a person during their lifetime, including an ability to meet lifestyle

    expectations; and

b) an uncomplicated, cost effective transfer of that person’s assets to their beneficiaries on their



 The broad scope of this type of planning has to take into account issues such as:


•  emotional and lifestyle issues, including having a Power of Attorney and appointing a guardian

in the event that the person may not always have the capacity to make decisions about

financial and lifestyle matters


•  the passing of assets to heirs with minimum financial disincentives on their death


•  ensuring the person has a will


•  the financial and emotional wellbeing of minor dependants and the present and future financial

needs of the person’s family, dependants, business and assets


•  the person’s actual contingent and potential liabilities


•  the needs of physically or intellectually challenged dependants and the protection of assets for

the benefit of dependants, including whether assets would be available to creditors, the

possibility of claims under the Family Provision Act, the effect of holding assets under joint

tenancy, collection of overseas assets, life insurance, superannuation, relevant revenue and

insolvency legislation


•  the use of family and testamentary trusts as vehicles for holding assets


•  evolving appropriate investment strategies for the person, and also for any trusts.




Estate Planning is Dynamic



An estate planning strategy is not static and should be reviewed at intervals to meet changing

circumstances.  For example, a new Will may need to be made in the event of marriage, divorce,

entering or dissolving a de facto relationship, the death of an executor appointed under the person’s

will, the sale of assets which are specifically mentioned in the person’s will, the birth of further children

or the death or loss of capacity of a beneficiary under the person’s will.  A new Will may also be

considered necessary if family or financial circumstances change substantially.

Purchase Property in your SMSF

SMSF and property investments: Although many property spruikers stand before you and sell the concept that everyone must buy a property in your SMSF. Birchcorp is here to say that there is much time and effort required for an investor to decide to embark on this complicated arrangement. Although Birchcorp is happy to say the process is as easy as 1,2,3... it is not a process that should be taken lightly. We are professionals and have processed these SMSF establishments and ongoing services many times. A complacent trustee can easily come into serious trouble with the govern... Read More


Birchcorp can show you how you may purchase your Insurance with no out of pocket expense.

Unlike other Financial Planning firms, Birchcorp is happy to show you how and why you can decrease your Insurance coverage... Read More

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Birchcorp Pty Ltd ABN 56 132 775 654 is a Corporate Authorised Representative (No. 339299)
of Dover Financial Advisers Pty Ltd ABN 87 112 139321, which is the holder of an AFSL No. 307248. Birchcorp Pty Ltd is an Accredited Member of the FBAA with an ACL No. 376718.