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Financial Advice
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Superannuation
What is superannuation?
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
How does superannuation work?
Superannuation is treated differently to most other savings. For most people, super will be taxed at a lower rate than a similar investment outside super. If you’re self-employed, you may be able to claim a tax deduction for personal contributions you make to super.
How we can help?
The team at Redpool Group can help you understand, grow and manage your superannuation.
We can help you:
• Consolidate your super funds and help you save on fees
• Identify investment options tailored to your goals and risk profile
• Review your concessional and non-concessional contributions to super
• Identify strategies to help boost your superannuation
• Enjoy the benefits of salary sacrifice
• Understand your insurance options within superannuation
• Determine if you have the correct beneficiary nominations in place
• Determine whether a self-managed super fund (SMSF) is right for you.
How to find your lost super?
If you think you may have lost track of your super then you have access to services to help you find your lost accounts.
This service searches the Lost Members Register and other ATO records, such as ATO-held super accounts and unclaimed super money, for your lost super accounts. You can also use the phone service (13 28 65).
• myGov
You can use the ATO’s myGov service to see details of all your super accounts, including any you have lost track of or forgotten about. You will need to create a myGov account and then link your account to the ATO service.
• Previous employers
Ask your previous employers for the names of the super funds that received contributions on your behalf.
Call us on 02 4605 0350 for more information about how we can help you make the most of your superannuation.
Superannuation
Superannuation is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Read More....
Superannuation
What is superannuation?
Superannuation, often called super, is a way to save for your retirement. You build up super while you are working to make sure you can have a comfortable retirement.
Super is a tax effective environment for your money; the account is held in your name, and both you and your employer can deposit money into your account. Your money will attract investment earnings, and when you reach your ‘preservation age’, you are able to start drawing on these funds.
How does superannuation work?
Superannuation is treated differently to most other savings. For most people, super will be taxed at a lower rate than a similar investment outside super. If you’re self-employed, you may be able to claim a tax deduction for personal contributions you make to super.
How we can help?
The team at Redpool Group can help you understand, grow and manage your superannuation.
We can help you:
• Consolidate your super funds and help you save on fees
• Identify investment options tailored to your goals and risk profile
• Review your concessional and non-concessional contributions to super
• Identify strategies to help boost your superannuation
• Enjoy the benefits of salary sacrifice
• Understand your insurance options within superannuation
• Determine if you have the correct beneficiary nominations in place
• Determine whether a self-managed super fund (SMSF) is right for you.
How to find your lost super?
If you think you may have lost track of your super then you have access to services to help you find your lost accounts.
This service searches the Lost Members Register and other ATO records, such as ATO-held super accounts and unclaimed super money, for your lost super accounts. You can also use the phone service (13 28 65).
• myGov
You can use the ATO’s myGov service to see details of all your super accounts, including any you have lost track of or forgotten about. You will need to create a myGov account and then link your account to the ATO service.
• Previous employers
Ask your previous employers for the names of the super funds that received contributions on your behalf.
Call us on 02 4605 0350 for more information about how we can help you make the most of your superannuation.
Retirement Planning
Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.
We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.
Why is retirement planning important?
We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.
Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.
How we can help
Redpool Group Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.
We will help you:
- Identify your retirement goals
- Review your income and cashflow requirements
- Identify what assets (house, savings, investments) you have and how much they are worth
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement
- Determine when you can apply for the age pension and whether you are likely to be eligible.
- Review your estate planning
Please contact one of our qualified Financial Advisers at Redpool Group on 02 4605 0350 to discuss your retirement planning needs.
Retirement Planning
Retirement may seem like a long way off but putting money into super now is still a tax effective way to invest your money. You also can benefit from the effects of compounding returns.
Read More ....
Retirement Planning
Retirement means different things to different people. For some, traveling around in Australia in a caravan is a life-long dream but for others flying at the pointy end of the plane and staying in 5-star hotels around the world is more how they see life after work. Or maybe spending more time with the grandkids or volunteering in your local community rate high on your list of retirement goals.
We all have different ideas of what the second half of our lives looks like and that’s why planning for your retirement is so important.
Why is retirement planning important?
We are living longer and for most of us compulsory superannuation payments or the Age Pension alone won’t be enough to help us achieve the retirement lifestyle we’re dreaming about.
Putting a long-term financial plan in place will provide you with the comfort of knowing that you can do all those things that you dreamed of and that your financial future is under control.
How we can help
Redpool Group Financial Advisers can help you work out how much money you have now, how much you might have in the future and where it is coming from.
We will help you:
- Identify your retirement goals
- Review your income and cashflow requirements
- Identify what assets (house, savings, investments) you have and how much they are worth
- Assess how much super you have and when you can access it
- Find ways to grow your retirement income
- Put plans in place to make your money last in retirement
- Determine when you can apply for the age pension and whether you are likely to be eligible.
- Review your estate planning
Please contact one of our qualified Financial Advisers at Redpool Group on 02 4605 0350 to discuss your retirement planning needs.
Wealth Protection
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.
Having the right insurances in place can help protect your family and your income if the unexpected occurs.
There are different types of cover that fall under the broad heading of life insurance:
- Life cover – also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
- Total and permanent disability (TPD) cover – covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
- Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.
- Income protection – replaces the income lost through your inability to work due to injury or sickness.
How we can help
Redpool Group has access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs.
Please call us on 02 4605 0350 to discuss.
Wealth Protection
Insurance is the foundation of all financial plans. We can help you evaluate the risks and come up with the right insurance solution for you and your family.
Read More ....
Wealth Protection
An accident, sickness or death of a working age parent will almost always have a significant impact on the financial circumstances of the family. Despite this Rice Warner Actuaries calculate that over 95 per cent of families do not have adequate insurance.
Having the right insurances in place can help protect your family and your income if the unexpected occurs.
There are different types of cover that fall under the broad heading of life insurance:
- Life cover – also known as term life insurance or death cover, pays a set amount of money when the insured person dies. The money will go to the people you nominate as beneficiaries on your policy.
- Total and permanent disability (TPD) cover – covers the costs of rehabilitation, debt repayments and the future cost of living if you are totally and permanently disabled. TPD cover is often bundled together with life cover.
- Trauma cover – provides cover if you are diagnosed with a specified illness or injury. These policies include the major illnesses or injuries that will make a significant impact on a person’s life, such as cancer or a stroke. It is also referred to as ‘critical illness’ cover or ‘recovery’ insurance.
- Income protection – replaces the income lost through your inability to work due to injury or sickness.
How we can help
Redpool Group has access to a large range of insurers and we can tailor your wealth protection plan to suit your circumstances. We will make the insurance process as simple as possible and help you get the right cover to protect you and those you love with a financial safety net in the event that the unexpected occurs.
Please call us on 02 4605 0350 to discuss.
What our Clients Say
“I recently started a small business, I just refinanced home loan, acquired an investment property construction loan and needed to merge several superannuation policies, I needed a financial plan that would secure my future. I turned to Chris Angel, a financial advisor who had all the answers and many questions that I had not considered. With his advice, guidance and planning strategies, I’m now heading in the right direction for that secure future.
Thank you.
– Steven
“Chris has been a fantastic advisor to us, he has helped us get all of our finances in order and clear our debt that had been accrued over the years. His advice has allowed us to start saving money and for us to start going out and enjoying life because we now have money to be able to these things. He’s given us peace of mind with knowing we will be financially secure with income protection and life insurance protecting us against any life changing accidents or death.
He’s has always been available to help us no matter the time or day and always done promptly. He has changed our lives for the better and we thank him for that.”
– Nathan and Sam
Why Choose Us?
Exceptional Personal Service
Knowledge and Experience
Ongoing Support
A Holistic Approach
Keep You On Track
Ease and Convenience
Our Team
Petar Caric
I am an owner and Director of Redpool Group with over 12 years’ experience providing financial advice and strategies to a wide range of individuals, families and businesses.
I see myself as an financial teacher and I aim to help my clients make better financial decisions. I help my clients focus on what’s important to them so they can experience more in life.
By way of education I have a Masters of Financial Planning from the University of Western Sydney, a Bachelor’s Degree in Commerce Majoring in Financial Planning from the University of Wollongong, Specialist Self-Managed Super Fund course through University of Adelaide. I am also a Certified Financial Planner and a Self-managed Super Fund Specialist Adviser.
I am a member of the Financial Planning Association of Australia (FPA), the Self-Managed Superannuation Professionals Association of Australia (SPAA) and a Justice of the Peace. In 2016 I was nominated as a Regional Finalist for Adviser of the Year with the AMP Group.
Outside of work I enjoy spending time with my young family and friends enjoying the fruits of life.
Petar Caric
Director and Senior Financial Planner
Read More ....
Petar Caric
I am an owner and Director of Redpool Group with over 12 years’ experience providing financial advice and strategies to a wide range of individuals, families and businesses.
I see myself as an financial teacher and I aim to help my clients make better financial decisions. I help my clients focus on what’s important to them so they can experience more in life.
By way of education I have a Masters of Financial Planning from the University of Western Sydney, a Bachelor’s Degree in Commerce Majoring in Financial Planning from the University of Wollongong, Specialist Self-Managed Super Fund course through University of Adelaide. I am also a Certified Financial Planner and a Self-managed Super Fund Specialist Adviser.
I am a member of the Financial Planning Association of Australia (FPA), the Self-Managed Superannuation Professionals Association of Australia (SPAA) and a Justice of the Peace. In 2016 I was nominated as a Regional Finalist for Adviser of the Year with the AMP Group.
Outside of work I enjoy spending time with my young family and friends enjoying the fruits of life.
Angelo Rentzepis
Angelo Rentzepis
Director and Senior Financial Planner
Hi my name is Angelo I help young families, retirees and small businesses understand and build financial security for themselves and families.
In my most recent position as a Director and Co-Founder of Advice300 Pty Ltd I came across a great opportunity to amalgamate and grow my business with Chris, who shares the same values as I do.
I pride myself on my financial coaching skills and behavioural advice I offer to clients. My philosophy is to focus on the client’s core values allowing a deep mutual understanding of what is really important and unique to their situation.
I believe I have a unique ability to explain often technical concepts in client-friendly language that resonates well with everyday Australians.
I take great pride in my ability to develop long term client relationships and strives to become your personal lifestyle coach.
As a financial planner, I am also qualified as a Home loans and Self-Managed Super Fund Specialist. That means you get the very best financial advice across all your finances.
I am very good at what I do. I don’t mean to be arrogant in saying that. Rather, it means I truly care about what I and my colleagues do for our clients.
I hold a Masters and Advanced Diploma in Financial Planning, SMSF accreditation and Diploma in Finance Broking.
But all work and no play would make me a dull Financial Planner. When not working, I love watching and attending AFL, Rugby League matches, going to watch a show or a new movie at the Theatre or Cinema, exploring different countries cuisine and catching up with friends over a good coffee.
Angelo Rentzepis
Director and Senior Financial Planner
Read More ....
Angelo Rentzepis
Angelo Rentzepis
Director and Senior Financial Planner
Hi my name is Angelo I help young families, retirees and small businesses understand and build financial security for themselves and families.
In my most recent position as a Director and Co-Founder of Advice300 Pty Ltd I came across a great opportunity to amalgamate and grow my business with Chris, who shares the same values as I do.
I pride myself on my financial coaching skills and behavioural advice I offer to clients. My philosophy is to focus on the client’s core values allowing a deep mutual understanding of what is really important and unique to their situation.
I believe I have a unique ability to explain often technical concepts in client-friendly language that resonates well with everyday Australians.
I take great pride in my ability to develop long term client relationships and strives to become your personal lifestyle coach.
As a financial planner, I am also qualified as a Home loans and Self-Managed Super Fund Specialist. That means you get the very best financial advice across all your finances.
I am very good at what I do. I don’t mean to be arrogant in saying that. Rather, it means I truly care about what I and my colleagues do for our clients.
I hold a Masters and Advanced Diploma in Financial Planning, SMSF accreditation and Diploma in Finance Broking.
But all work and no play would make me a dull Financial Planner. When not working, I love watching and attending AFL, Rugby League matches, going to watch a show or a new movie at the Theatre or Cinema, exploring different countries cuisine and catching up with friends over a good coffee.
Chris Angel
Chris Angel
Director and Senior Financial Planner
I might look young, but already I’ve been in the industry for over 20 years now. I make a difference to the quality of peoples lives by providing advice that makes sense and helps them live the lifestyle they want.
With a busy life myself, between business, sports activities and young children, I understand that the pressures of modern day living often get in the way of enjoying what’s really important to us.
I help change this. I help people re-connect to their ‘why’. Why are they doing the things they do? For what purpose? What are they looking forward to? I have a passion for mentoring and helping clients make positive changes in their lives. I’ll challenge the status quo and the way ‘we’ve always done things’ because I want to find a better way and I do this by providing straightforward financial advice and wealth management strategies that are easy to understand and implement.
Previously, I was the owner and Director of Vitality Financial that serviced clients for over 30 years. I’m proud to say that as a founding Director of the Redpool Group which, an amalagamation of 2 multi award winning businesses, I can now offer our clients a team of experts across a broader range of services. So regardless of someone’s needs, I have access to the skills and experience to offer the best advice and service available.
As a Senior Financial Planner and qualified credit adviser, I provide advice on a wide range of wealth management needs in addition to home loans, Centrelink and Aged Care.
‘My clients feel secure because they know that everything will be OK today and we’ve protected their dreams for tomorrow’.
Chris Angel
Director and Senior Financial Planner
Read More ....
Chris Angel
Chris Angel
Director and Senior Financial Planner
I might look young, but already I’ve been in the industry for over 20 years now. I make a difference to the quality of peoples lives by providing advice that makes sense and helps them live the lifestyle they want.
With a busy life myself, between business, sports activities and young children, I understand that the pressures of modern day living often get in the way of enjoying what’s really important to us.
I help change this. I help people re-connect to their ‘why’. Why are they doing the things they do? For what purpose? What are they looking forward to? I have a passion for mentoring and helping clients make positive changes in their lives. I’ll challenge the status quo and the way ‘we’ve always done things’ because I want to find a better way and I do this by providing straightforward financial advice and wealth management strategies that are easy to understand and implement.
Previously, I was the owner and Director of Vitality Financial that serviced clients for over 30 years. I’m proud to say that as a founding Director of the Redpool Group which, an amalagamation of 2 multi award winning businesses, I can now offer our clients a team of experts across a broader range of services. So regardless of someone’s needs, I have access to the skills and experience to offer the best advice and service available.
As a Senior Financial Planner and qualified credit adviser, I provide advice on a wide range of wealth management needs in addition to home loans, Centrelink and Aged Care.
‘My clients feel secure because they know that everything will be OK today and we’ve protected their dreams for tomorrow’.
Neville Sharp
Neville Sharp
Financial Planner
Hi my name is Angelo I help young families, retirees and small businesses understand and build financial security for themselves and families.
I have recently joined the Redpool Group and will be working closely with the staff there to introduce clients as I am transitioning into retirement after working more than 40 years in the financial services environment.
I have over 40 years of experience in financial services and I will have no hesitation in saying that my existing clients will be well looked after by the Redpool Group once I go into retirement. The best part is that I can now offer our clients a team of experts across a broader range of services. So regardless of someone’s needs, I have access to the skills and experience to offer the best advice and service available.
I also enjoy spending weekends with my family and barracking for the mighty St George Illawarra Dragons.
Neville Sharp
Financial Planner
Read More ....
Neville Sharp
Neville Sharp
Financial Planner
I have recently joined the Redpool Group and will be working closely with the staff there to introduce clients as I am transitioning into retirement after working more than 40 years in the financial services environment.
I have over 40 years of experience in financial services and I will have no hesitation in saying that my existing clients will be well looked after by the Redpool Group once I go into retirement. The best part is that I can now offer our clients a team of experts across a broader range of services. So regardless of someone’s needs, I have access to the skills and experience to offer the best advice and service available.
I also enjoy spending weekends with my family and barracking for the mighty St George Illawarra Dragons.
Tegan Cunningham
Tegan Cunningham
Office Administrator
I have recently joined the Redpool Group as their Office Administrator and will be working closely with Angelo, Petar & Chris. I worked for AMP in the Inbound Call centre for Retail Superannuation in 2011. I then left the company to have my son Chayse and spend some quality with him. When I returned to work I started a career at Southern Highlands Private Hospital. I loved this job but my passion was still with numbers and finance.
I am currently studying a Diploma of Accountancy and I hope to further my skills by doing a Diploma of Financial Planning in the near future as I love helping people.
Outside of work I do Physical culture as a hobby. I compete every year and travel around for competitions. I love sport, soccer being my favourite and Sydney FC is my team. Life is always in the fast lane for me, having one child of my own and taking on 3 of my partners children we just love Spending time with all together and creating memories.
Tegan Cunningham
Office Administrator
Read More ....
Tegan Cunningham
Tegan Cunningham
Office Administrator
I have recently joined the Redpool Group as their Office Administrator and will be working closely with Angelo, Petar & Chris. I worked for AMP in the Inbound Call centre for Retail Superannuation in 2011. I then left the company to have my son Chayse and spend some quality with him. When I returned to work I started a career at Southern Highlands Private Hospital. I loved this job but my passion was still with numbers and finance.
I am currently studying a Diploma of Accountancy and I hope to further my skills by doing a Diploma of Financial Planning in the near future as I love helping people.
Outside of work I do Physical culture as a hobby. I compete every year and travel around for competitions. I love sport, soccer being my favourite and Sydney FC is my team. Life is always in the fast lane for me, having one child of my own and taking on 3 of my partners children we just love Spending time with all together and creating memories.