Roger Sousa
Founder/Director and Financial Planner
Expertise
Since 2000, Roger has been dedicated to helping professionals, individuals and families navigate the complexities of financial planning, building tailored strategies to achieve their unique goals.
In 2014, Roger fulfilled his long-standing dream of establishing his own practice. Since then, he has focused on developing long-term relationships with clients, providing trusted guidance throughout life’s financial milestones.
Your Financial Future, His Priority
Passionate about empowering clients to make informed financial decisions, Roger takes a personalised approach to planning. He works closely with clients to define their objectives, create customised strategies, and provide ongoing support to keep them on track toward their desired future.
Expertise & Services
Roger is authorised to provide comprehensive financial advice across a broad range of services, including:
- Retirement planning
- Superannuation
- SMSF
- Investments
- Debt management
- Wealth protection
- Budget & cashflow management
- Estate planning
Credentials You Can Trust
- Master of Financial Planning
- Advanced Diploma of Financial Planning
- Diploma of Financial Services
- FASEA – Certification
- Qualified Tax Relevant Provider (QTRF)
Get in Touch
With over 25 years of experience, Roger is ready to help you create a secure, prosperous, and confident financial future.
Salary Sacrifice – Strategy – increase super heading to retirement.
Client Jacob age 53 sort advice on building his super for his retirement at age 63.
We provided advice on salary sacrificing $15,050 in year 1 followed by salary sacrifice in the years
leading up to retirement at age 63.
In year 1 this strategy provided a tax saving of $2,558.
At age 63 Jacob’s superannuation would potentially increase from $295,885 to $715,891.
This amount is net of product and advisor fees and based on a moderate risk profile (50%
Defensive/50% Growth)on Jacob’s super.
TTR – Transition To Retirement Strategy to reduce and manage debt.
Client Jenelle age 60, had hopes to retire at age 65 but had a home loan of $467,314.
We provided advice to set up TTR Strategy.
Jenelle managed to payout her home loan in full by age 65.
This strategy saved her $63,071 in interest repayments and shaved off 7 years off her home loan.
Estate Planning – Strategy
Non-SIS dependents cannot receive super death benefits tax-free
Client Daniella age 65, was hoping she could eliminate estate taxes for her non-dependant daughter age 37.
We provided advice on a re contribution strategy using her taxable component of $249,891 held in Super.
This strategy saved her non-dependant beneficiaries an estimate of $42,481 in tax if accessing these benefits after
her death.
This strategy will increase her tax-free component in her superannuation benefits.
Increasing her tax-free component in her superannuation would reduce the tax liability to her non-dependant
beneficiaries.
