Our services

Wealth creation

Wealth creation is about building financial security now so you can focus on enjoying your lifestyle in the future. Choosing where and how to invest your money is a difficult decision and will depend on many factors including your overall investment objectives, approach to investment risk and the amount of time you have to invest.

We can help define your personal situation and recommend financial solutions and strategies to help you reach your financial goals.

Whether you are investing to finance your business, lifestyle, private education or provide for your retirement, it's never too late to take control.

Retirement planning

Planning for retirement is one of life's most important financial considerations. The actions you take today will determine your lifestyle in the future.

Superannuation is one of the most tax-effective long-term retirement savings vehicles, however it can be difficult to keep up with changing rules and regulations. We can explain the rules and provide you with strategies to help you maximise your retirement savings.

Risk insurance

Risk insurance forms a critical part of the financial planning process. It provides you with protection against the financial implications of an event such as death, disablement, serious illness or injury.

There are a range of insurance options available that we can tailor to suit your needs and personal situation. The most common types of risk insurance include:

Income protection

In the event that you suffer an illness or injury and are unable to work, income protection provides you with a monthly benefit of up to 75 per cent of your salary.

Life Insurance

Life insurance helps alleviate the financial burden your family may be left with after your death. This is paid as a lump sum to your nominated beneficiaries to assist with medical costs, funeral expenses and help maintain your family’s lifestyle.

Total and permanent disability (TPD)

This provides a lump sum in the event of a total and permanent disability that prevents you from ever returning to work.


Trauma insurance is paid as a lump sum upon diagnosis of an eligible condition (eg cancer, heart disease).

Self-managed super funds

Self-managed super funds (SMSF) gives you control of how your superannuation benefits are invested, operated and managed. SMSFs allow you to invest in a range of assets such as shares, managed funds, term deposits, property, art and collectables. You also have the option to borrow to purchase property and shares.

While SMSFs are a compelling structure for those who want full decision making capabilities, having your own fund can generate a mountain of paperwork, such as looking after the establishment, asset administration, super administration, investment strategy and end of year financials.

As well as assist you with the establishment of an SMSF, we provide you with ongoing strategy, investment, insurance and estate planning advice for your SMSF and can provide assistance to other superannuation professionals in relation to asset administration, super administration and end of year financials.

Our expert financial advisors can guide you through the Centrelink process, ensuring that you receive maximum entitlements by assessing your eligibility, providing asset and income structuring advice, assisting with Centrelink reporting obligations, and helping you plan for retirement. With our expertise, we will guide you through the entire process, and make sure all your questions are answered.

Aged Care Advice

We are committed to helping our clients navigate the complex world of aged care with confidence and peace of mind.

When it comes to aged care advice, our team can provide a range of services to help clients make informed decisions about their care needs. This includes:

Aged Care Planning

Our advisors can help clients develop a comprehensive plan for their aged care needs, taking into account their personal circumstances and financial goals.

Funding Options

We can assist clients in understanding the various funding options available to them and help them to select the most appropriate option that suits their needs.

Centrelink Assistance

Our team can help clients understand how Centrelink entitlements may impact their aged care choices and provide advice on how to maximize their entitlements while still accessing the care they need.

Cash Flow Management

We can provide guidance on how to manage cash flow during the aged care process, including strategies to reduce the impact of aged care costs on the client's lifestyle and retirement plans.

With our expertise and guidance, our clients can make informed decisions about their aged care needs and know they have a tailored plan in place to meet their goals and protect their financial security.

Portfolio Management

Portfolio management is a critical part of the advice process, and our team is here to help our clients achieve their investment goals. We understand that our clients work hard to build their wealth and want to see it grow, which is why we are committed to managing their portfolios with a focus on preserving wealth, protecting capital, and risk management, to compound returns over time.

Our approach to portfolio management involves working closely with our clients to understand their unique investment goals, risk tolerance, and time horizon.

At Freshwater Associates, we believe that effective portfolio management is about more than just generating returns. It is about helping our clients achieve their financial goals while minimizing risk and ensuring their financial security. Our advisors provide ongoing monitoring and analysis of our clients' portfolios to ensure that they remain aligned with their objectives.

Overall, our team of financial advisors is committed to providing our clients with personalized, effective, and risk-averse portfolio management strategies that prioritize capital stability and align with their financial goals.