Estate Planning
Through our arrangement with MLA Lawyers Pty Ltd, we facilitate a comprehensive range of estate planning services.
Estate planning is the process of ensuring that your wealth is directed according to your wishes after you die. Making sure your wealth goes where you want it to is not just a simple matter of preparing a will – although a will is almost always a key part of your estate planning. You also need to consider things such as your superannuation benefits, family businesses, assets owned by legal entities such as family trusts as well as assets owned as joint tenants, etc.
It is also vital that your estate planning be consistent with your current financial planning, to ensure that your affairs are handled as efficiently and cost-effectively as possible, both now and in the future.
John Frederick Jones
Director and Financial Planner
Having been in the financial services industry for over 41 years, John has had the pleasure of helping clients through all stages of their adult lives.
Helping and encouraging retired clients to spend, some of the funds they have saved over the years - to enjoy while their health allows, is one of the most rewarding experiences an adviser can have.
Even after so many years in the business, John still gets a real thrill out of:
- Helping a new client establish their goals and to begin to feel the empowerment as they take control of their future.
- Seeing the relief on the faces of a young family as they find security in their Family Protection Plan.
- Walking with clients as they juggle the pressures of work / the business, family debt and the desire to create wealth and showing them there’s light at the end of the tunnel.
- Sharing the joy of clients approaching retirement as they realise that they can achieve sufficient funds to retire when they want to, and still enjoy their desired lifestyle.
- Caring when a newly-single Mum can see how she can provide for the family, achieve her financial goals and remain independent if she wishes.
- Encouraging retirees that they can go on that trip of a lifetime without jeopardising their future desired lifestyle.
Helping clients find Peace of Mind is just as important as helping clients manage their resources effectively, according to John.
John is a student of life and always endeavours to help others as much as possible. Thus he is a Certified Financial Planner (CFP) holding the Diploma of Financial Planning; a registered financial tax adviser, qualified SMSF adviser, holds a NSW Teachers Certificate, and is a Chartered Insurance Agency Manager.
He also holds and values his membership with:
- Financial Planning Association (FPA)
- Association of Financial Advisers (Fellow)
- Appin Chamber of Commerce (Ex Board)
- Appin Mens Shed (Ex Board)
- Bulli Community Centre (Board)
- Bulli Woonona Mens Shed (Board)
John enjoys his life and really enjoys helping others create a better life for themselves.
John Frederick Jones is an authorised representative (244943) of Bluewater Financial Advisors Pty Ltd (AFSL 411846).
Contact Us
Relevant Articles...
Preparing for the 2027 Capital Gains Tax Changes
For years, many of us relied on a simple 'buy and hold' approach to investing, trusting that time and standard tax discounts would naturally take care of the rest. However, the capital gains tax (CGT) reforms proposed for 1 July 2027 are about to fundamentally rewrite the rulebook for Australian investors. Moving far beyond just the property market, these sweeping changes will impact shares, managed funds, and business interests, introducing significant new factors like a 30% minimum tax rate that could easily catch modest income earners off guard. This guide cuts through the noise to explain what these reforms mean for your portfolio, outlining the proactive strategies you need to protect your hard-earned wealth.
The Psychology of Grief and Wealth
When a loved one passes away, the profound emotional weight of grief can make financial decision-making incredibly difficult. The shock of bereavement can overwhelm individuals, sometimes leading them to spend an inheritance quickly to avoid painful reminders, or freeze completely out of a fear of making the wrong choice. Traditional estate planning focuses purely on the distribution of assets, often ignoring this heavy emotional toll. To truly support your family, a modern wealth transfer strategy must include a built-in psychological safety net. By implementing practical legal structures and clear communication, you can shield your loved ones from the immediate pressures of sudden wealth and give them the breathing space they need during their toughest days.
Why the Petrol Pump Price Started It All
While the Reserve Bank of Australia’s recent decision to lift the cash rate to 4.10% has dominated the financial headlines, the true origin of this economic tremor was felt much closer to home. The current shift did not begin in a boardroom in Martin Place, but at the local service station where a sudden 35% surge in fuel costs acted as the primary fuse for a nationwide inflation spike. This energy shock, triggered by US-backed, Israel-led strikes on Iran, has created a rapid domino effect that is now hitting every corner of the domestic economy. From first-home buyers facing a $80,000 reduction in borrowing capacity to retirees watching their savings erode, it is becoming increasingly clear that the petrol pump price may have started it all.
The End of an Era for Negative Gearing?
For decades, negative gearing and the capital gains tax (CGT) discount have shaped the way Australians invest in property. Recently, with the Federal Government reviewing these policies ahead of the May 2026 budget, we could be looking at significant reform. In this article, we examine the proposed changes, including caps on investment property deductions and reductions to the CGT discount, while exploring the competing arguments from both sides of the housing debate. Whether you are saving for your first home or managing a rental portfolio, read on to find out what these potential tax shifts could mean for you and why they are happening.