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Financial advice for you

Big Sky Financial Planning offers services and advice to help you meet your goals, regardless of where you’re at in life. 

If you’ve never consulted with a qualified financial adviser, you may be surprised at what an adviser can do for you. A qualified adviser can have a significant impact on improving the way you view your financial situation.

Our financial advisers are all salaried employees to further ensure that we are always working with your best interest in mind. 

Big Sky Financial Planning will ensure you receive the highest level of personal service possible. Your adviser can also deploy our team of technical, research, and investment professionals to assist in the delivery of expert advice and services to you in the following areas:



Superannuation is one of the most important assets you’ll have.

In retirement, it could be your major source of income. What you decide to do about your superannuation can make a big difference to the money you have to retire on.

Self Managed Superannuation

Greater control

Self-managed super funds (SMSF) are available to those who want to have greater control over their superannuation and retirement future.

Operating your own superannuation fund can provide investment flexibility, strategic control, estate planning advantages and potential cost savings. 

Retirement Planning

Retirement Planning

If you’re close to retirement you’ve probably already asked yourself, “How much is enough?”, “How will I access my superannuation to provide a regular income stream?” or, “Will I be eligible for Centrelink support?”

The answer depends on many factors, including the lifestyle you want to have in retirement, your superannuation balance and the investment strategy you choose with your adviser.
Transition to Retirement

Transition to Retirement

A Transition to Retirement (TTR) strategy can be a great way for people who have reached their preservation age to: boost your superannuation in the years leading up to retirement; potentially reduce your tax liability while building your super nest egg; and ease into retirement by gradually reducing working hours while maintaining the same income level. 

If you’re eligible, these rules allow you to convert your super into an income stream even before you retire. At the same time, TTR also allows you to use the tax benefits of investing through super by maximising your voluntary salary sacrifice contributions. This strategy has potential to enhance your retirement income.

How to cope with Redundancy

Dealing with redundancy

When you accept a redundancy offer you may receive a number of payments, including a redundancy payout, other non-super payments, and superannuation. Understanding and using these monies carefully should enable you to optimise your finances during any period of unemployment and before you re-enter the workforce. 

If you’ve had benefits like life insurance, super contributions and employee share schemes, you’ll have to make decisions about these as well.

Personal Risk Insurance

Protect your lifestyle

Insurance provides options for people to protect their physical assets through home, contents, car and other insurance. They realise the value of these things – and the risk that these assets may be destroyed or devalued. However, far fewer people give the same consideration to protecting their most important assets – themselves. 

Some people may not recognise the effect that an accident, short-term illness or injury that limits their ability to work can have on their lifestyle. Mortgage payments, children’s education, living expenses and other commitments can all become difficult to manage if you lose your regular income.

Aged Care

Aged care

It is not just older Australians who need to understand how aged care works – anyone with aging parents may find themselves having to understand a complex aged care system at very short notice. There are many rules to comprehend and decisions to make about your assets so you can achieve the outcome for your estate and, importantly, your ongoing care. 

Some of the issues to consider include: working out the costs of your care; ensuring care is affordable for you; what happens to the family home; maximising government entitlements; and protecting and maximising the value of your estate. 

Investing with Big Sky

Investing for wealth creation

Investing is all about making your hard-earned money work for you. It’s a way of planning for the future. Your investment objectives can vary; whether it’s for retirement, children’s education or simply to build wealth for a better lifestyle. No two investment plans are the same, the key is to develop a sound financial strategy that works for you.


Our financial advisers

All our advisers are salaried employees to further ensure that we are always working with your best interest in mind.

When you choose to work with a Big Sky Financial Adviser you can be assured of receiving high quality, sound advice that’s appropriate for your individual circumstances.

Take our 5 minute financial health check for a quick assessment of your current financial situation. Our advisers will give you a call to help you identify areas where some professional advice and guidance could be of great value.

Advice is not limited to retirement planning only

Take Check

This website contains general advice only and does not take into account the objectives, financial situation or needs of any particular person. You should obtain financial advice relevant to your circumstances before making investment decisions. Whilst every care has been taken in the preparation of this information, Big Sky Financial Planning Pty Ltd does not guarantee the accuracy or completeness of the information. Big Sky Financial Planning Pty Ltd does not guarantee any particular outcome or future performance. Big Sky Financial Planning Pty Ltd is not a registered tax agent. If you intend to rely on any tax advice on this website you should seek advice from a registered tax agent. Big Sky Financial Planning Pty Ltd is a Corporate Authorised Representative of Australian Unity Personal Financial Services Ltd ABN 26 098 725 145, AFSL & Australian Credit Licence No. 234459, 114 Albert Road, South Melbourne, VIC 3205