faq's
Frequently Asked Questions
Get answers to common questions about buying property, mortgages, and property investment.
Wealth Protection
Life & Total and Permanent Disability (TPD) Insurance provides financial security for you and your loved ones in case of death or permanent disability. It helps cover living expenses, debts, and future financial needs. At DreamWealth Finance, we help you find the best policy tailored to your situation.
Income Protection Insurance replaces a portion of your income if you’re unable to work due to illness or injury. This ensures you can continue paying for daily expenses, mortgages, and other financial commitments.
Trauma Insurance provides a lump sum payment if you’re diagnosed with a serious illness such as cancer, heart attack, or stroke. This payment can be used for medical expenses, rehabilitation, or income support.
Business Expense Insurance covers fixed business costs like rent, utilities, and salaries if the owner is unable to work due to illness or injury. This ensures business continuity during difficult times.
Key Person Insurance protects businesses against financial losses caused by the death or disability of a key employee or owner. It is essential for companies reliant on a few individuals for revenue generation.
Our team at DreamWealth Finance provides expert guidance in processing insurance claims, ensuring you receive the full benefits you’re entitled to without unnecessary delays.
Wealth Creation
Tax-effective investment strategies help you legally minimise tax while growing your wealth. Strategies include salary sacrificing, investing in superannuation, and utilising franking credits.
These are financial instruments that help diversify your portfolio. Stocks provide direct ownership in companies, ETFs (Exchange-Traded Funds) offer diversified exposure to multiple assets, and Managed Investments allow professional fund managers to handle your investments.
Professional investment advice helps you create a diversified portfolio tailored to your financial goals and risk tolerance. DreamWealth Finance ensures your investments align with your long-term wealth creation strategy.
Debt Management strategies help reduce interest payments, consolidate debts, and improve your financial health by creating structured repayment plans.
Financial Modelling involves analysing different financial scenarios to optimise investment decisions. This helps in making informed choices for wealth accumulation and risk management.
Effective Cash Flow Management ensures you have enough funds for daily expenses while still growing your investments. It helps avoid unnecessary debts and improves financial stability.
Superannuation
SMSFs are private superannuation funds that give individuals full control over their retirement savings. They provide greater investment flexibility but require compliance with strict regulations, including reporting to the Australian Taxation Office (ATO).
Unlike industry or retail super funds, which are managed by financial institutions, an SMSF is self-managed, allowing you to make your own investment decisions. However, it also comes with added responsibilities such as administration, tax reporting, and compliance.
SMSFs offer benefits such as greater investment control, tax advantages, estate planning flexibility, and the ability to invest in assets like property. However, they require careful management and adherence to regulatory requirements.
Yes, through a Limited Recourse Borrowing Arrangement (LRBA), an SMSF can borrow funds to invest in property. This allows you to grow your retirement savings through rental income and capital appreciation.
SMSFs must comply with superannuation laws, tax regulations, and ATO reporting requirements. They are subject to annual audits, and non-compliance can result in penalties. DreamWealth Finance ensures your SMSF meets all legal obligations.
We assist in SMSF setup, administration, investment strategy development, compliance, and tax planning. Our experts ensure your SMSF operates efficiently and maximises returns while staying compliant with regulations.
Retirement Planning
Retirement Planning involves structuring your finances to ensure a comfortable and financially secure retirement. The earlier you start, the more you can take advantage of compounding interest and strategic investments.
The amount depends on lifestyle goals, healthcare needs, and future expenses. The ASFA Retirement Standard suggests a couple needs around $690,000 in superannuation for a comfortable retirement, but this varies based on personal circumstances.
Some key strategies include:
- Salary Sacrificing (making pre-tax contributions to super)
- Government Co-Contributions (if eligible)
- Making after-tax contributions
- Investing in diversified assets for long-term growth
- Utilising transition-to-retirement (TTR) strategies
Superannuation pensions are tax-free for Australians over 60. Other strategies include setting up a tax-effective income stream, optimising withdrawals, and structuring investments for minimal tax impact.
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You can access your super through:
- Lump sum withdrawals (tax considerations apply)
- Account-based pensions (providing regular income)
- Annuities (offering fixed income for life or a set period)
Our team can help you decide the best option for your needs.
Your super does not automatically form part of your estate. A binding death benefit nomination ensures your super is distributed according to your wishes. DreamWealth Finance can help you with estate planning strategies to secure your legacy.
Mortgage Broking
Investment Property Loans help individuals finance real estate purchases for rental income and capital growth. DreamWealth Finance connects you with competitive loan options tailored to your investment strategy.
Refinancing replaces your existing loan with a better deal, while Debt Consolidation combines multiple debts into one manageable loan with lower interest rates.
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First Home Buyer Loans offer government incentives and lower deposit requirements to help first-time buyers enter the property market.
Construction Loans provide funds in stages to cover the costs of building a new home or renovating an existing property.
SMSF Loans allow self-managed super funds to borrow money to invest in residential or commercial properties. These loans must comply with strict regulations.
Pre-approval provides an estimate of how much you can borrow before purchasing a property. This strengthens your negotiating position and speeds up the buying process.
Why Choose Dreamwealth Finance Strategists ?
At DreamWealth Finance, we provide personalised financial solutions tailored to your goals. Our expert advisors help you with wealth protection, investment strategies, retirement planning, and mortgage solutions to secure your financial future.
We offer a range of insurance solutions, including Life & TPD Insurance, Income Protection, and Trauma Insurance, ensuring financial security for you and your loved ones. Our team guides you in selecting the right policy for your needs.
Yes! We provide tax-effective investment strategies, access to stocks, ETFs, managed funds, and expert portfolio management to help you grow your wealth while minimising risks.
We specialise in superannuation strategies, SMSFs, age pension planning, and estate planning to ensure you retire comfortably with a secure financial future.
Yes, we assist with home loans, refinancing, debt consolidation, SMSF loans, and investment property loans. We work with Australia’s top lenders to find the best loan options suited to your financial situation.
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Simply contact our team for a free consultation. We’ll assess your financial goals and develop a customised strategy to help you achieve long-term financial success.
💡 Need expert financial advice? Contact us today and take the first step towards a secure future!
Testimonials
Trusted by Leading Property Investors – DREAMWEALTH
Our clients reveal their stories of success and remarkable growth.
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We’ve been clients for 6+ years and would like to express our thanks for the work you have done for us over those years.
Geraldine Robson
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The Dreamwealth Financial stategists team provide a first-class service.
Advice, and planning is tailored to your life goals and needs and takes a holistic lens. We are extremely happy with Dreamwealth, and the leadership and expertise Dillon provides. Dillon and his team are flexible, responsive and will help guide you to achieve whatever goals are right for you.
The team are focused on customer experience and are very trustworthy to help with navigating the right financial strategy that is practical and fit-for purpose based on where you are in your life. Highly recommended.
Rebecca McParland
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Dillon is a highly qualified and very knowledgable financial advisor who presents multiple options and recommendations for clients to consider without ever pressuring to go down any particular path. He is very friendly, approachable and able to explain things in common language. He certainly goes out of his way to keep in contact with his clients and responds promptly to questions as often as they require.I thoroughly recommend that anyone needing any level of financial advice no matter what their situation listen to what he has to offer in helping them define and realise their goals
Greg Roberts