We are proud to announce that we will be supporting Richie Walsh and we encourage you to click on the link below to find out more about this very worthy cause.
We know the last year has been a challenge for many people, but Richie Walsh has had it tougher than most…. and he’s only 9 years old. As parents and a business with the capacity to help, please click below to find out what we’ll be doing for Richie and how you can help too.
Find out more about Richie …..
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Great experience. Tony's advise matched our needs and his processes are completely transparent which makes for a completely satisfying experience where trust can be built.
Vivek Lall“We feel well informed about our financial position and that has boosted our confidence level. Sorting out our personal insurance policies was particularly beneficial – it’s really good to know your loved ones are well covered if anything happens to either of us. Tony was great….we started this whole process... read more“We feel well informed about our financial position and that has boosted our confidence level. Sorting out our personal insurance policies was particularly beneficial – it’s really good to know your loved ones are well covered if anything happens to either of us. Tony was great….we started this whole process during a very hard period when we were trying to buy our first home. His patience is second to none, his communication is excellent. We would recommend his services to anyone”
Chris & Morgan, Brisbane read less 
chukwu christian -
It’s been a very easy and pleasant experience working with Brent. I now feel more secure that if anything untoward occurs, I will be financially ok and will not be a burden on my family. I feel more prepared for the future and I have a plan to achieve my... read moreIt’s been a very easy and pleasant experience working with Brent. I now feel more secure that if anything untoward occurs, I will be financially ok and will not be a burden on my family. I feel more prepared for the future and I have a plan to achieve my ideal lifestyle. Brent’s communication was fantastic the whole way through and in no way did I ever feel like I asked a stupid question. I will definitely suggest my friends and family to speak with Brent should they need financial advice or help with their home loan. read less
Jacqueline Carr‘We like the support that Brent provides to our business and personal financial affairs and that he keeps us up-to-date on how we are going financially. We are very happy with the service provided and we find our annual catch-up to be very beneficial. We are happy to recommend Brent’s... read more‘We like the support that Brent provides to our business and personal financial affairs and that he keeps us up-to-date on how we are going financially. We are very happy with the service provided and we find our annual catch-up to be very beneficial. We are happy to recommend Brent’s services to other business owners seeking the assistance of a financial adviser’ read less
Sandra Small -
Tony has given me advice in areas including superannuation, insurances and managing debt. Tony was able to explain things to me in a clear way. Through Tony's knowledge and experience, I feel very confident that the advice given was right for my needs. I always received Tony's full care and... read moreTony has given me advice in areas including superannuation, insurances and managing debt. Tony was able to explain things to me in a clear way. Through Tony's knowledge and experience, I feel very confident that the advice given was right for my needs. I always received Tony's full care and attention when I needed it read less
Brendan FTony maintained excellent service and communication levels throughout the entire refinance process. His attention to detail and knowledge were a huge advantage to us as the process was streamlined, without issues. I would totally recommend Tony for any financial planning advice or plans needed.
Penny Moore -
Cornerstone Advice has provided guidance to support us in developing our wealth management and has ensured our family is set for the future ahead!
Kirsty“As a family and business owners, we now have peace of mind knowing we are appropriately insured and we certainly understand our insurance needs and policies better now. Tony was professional, informative, approachable, very patient and explained things clearly. I wouldn’t hesitate to recommend Tony and Cornerstone Advice to anyone... read more“As a family and business owners, we now have peace of mind knowing we are appropriately insured and we certainly understand our insurance needs and policies better now. Tony was professional, informative, approachable, very patient and explained things clearly. I wouldn’t hesitate to recommend Tony and Cornerstone Advice to anyone seeking financial advice.”
Anna, Brisbane read less 
Anna Murphy -
I am always delighted with the professional service I receive from Tony Evans from Cornerstone Advice. Tony presents varying scenarios with a clarity of knowledge, distinction and individual helpfulness to me as his client. He impresses me with his attention to detail and careful consideration of my individual needs.
I have... read moreI am always delighted with the professional service I receive from Tony Evans from Cornerstone Advice. Tony presents varying scenarios with a clarity of knowledge, distinction and individual helpfulness to me as his client. He impresses me with his attention to detail and careful consideration of my individual needs.
I have to commend him for the ease, efficiency and seamlessness of the latest transactions he undertook on my behalf. Thank you, Tony. read less 
Meryl McNallyGood on Brent Story for his generosity to young Richie, worthy of a 5 star review. Anyone with a heart that big and that kind of generosity will be a pleasure to deal with in business and deserves every good thing that comes back to them.
Brodey Sheppard -
Tony has given me advice in areas including superannuation, insurances and managing debt. Tony was able to explain things to me in a clear way. Through Tony's knowledge and experience, I feel very confident that the advice given was right for my needs. I always received Tony's full care and... read moreTony has given me advice in areas including superannuation, insurances and managing debt. Tony was able to explain things to me in a clear way. Through Tony's knowledge and experience, I feel very confident that the advice given was right for my needs. I always received Tony's full care and attention when I needed it read less
Brendan FBrent takes the time to understand your family's needs and tailors advice according to family's priorities. Brent is patient and explains all advice clearly and uses language that is easy to understand. He is thorough and extremely professional. We recommend Brent to anyone who wants to ensure... read moreBrent takes the time to understand your family's needs and tailors advice according to family's priorities. Brent is patient and explains all advice clearly and uses language that is easy to understand. He is thorough and extremely professional. We recommend Brent to anyone who wants to ensure their future is financially safe. read less
Mandy Pike -
“Working with Tony from Cornerstone Advice has been a good experience. I now have a better understanding of what is needed to prepare for retirement. I feel more in control of my finances and cashflow and have a long term plan to deliver a lifestyle when I stop work. The... read more“Working with Tony from Cornerstone Advice has been a good experience. I now have a better understanding of what is needed to prepare for retirement. I feel more in control of my finances and cashflow and have a long term plan to deliver a lifestyle when I stop work. The process of changing superannuation companies and all that goes with that, was handled completely by Tony and he made the changeover easy. He is very knowledgeable and delivers a high quality service and I have already referred him to my daughter and son in law”
Kathy, Brisbane North read less 
Kathy Wilson“As a result of working with Tony, my confidence and financial understanding has improved. I also now have a more appropriate retirement investment plan which we are tracking each year. Additionally, I have found that Tony’s fees are more realistic and affordable than past alternatives. Tony has always been quick... read more“As a result of working with Tony, my confidence and financial understanding has improved. I also now have a more appropriate retirement investment plan which we are tracking each year. Additionally, I have found that Tony’s fees are more realistic and affordable than past alternatives. Tony has always been quick to respond and flexible in how and where we meet. I wouldn’t hesitate to recommend his services” read less
Lynda Groom -
We felt total confidence in Tony Evans and the information and advice given to us. His expertise and vast knowledge regarding superannuation allowed him to collate a package specifically suited to our situation and requirements. We would happily recommend Tony and his team to anyone wanting strong and thorough financial advice.
Jill GoanIt’s been an excellent journey, very satisfied with the results. Brent has been very helpful and cooperative. He gave us a lot of time, showed a lot of patience, listened to all the details and embedded them all in our 5 year plan. We couldn't have asked for more. We... read moreIt’s been an excellent journey, very satisfied with the results. Brent has been very helpful and cooperative. He gave us a lot of time, showed a lot of patience, listened to all the details and embedded them all in our 5 year plan. We couldn't have asked for more. We had a rough idea about what we wanted our financial future to look like but struggled to put that in a concrete achievable plan/goal. Brent helped us in that space and gave us a lot of confidence that what we are aiming for is definitely achievable, if we put some discipline in place. While doing that, he provided his expert advice on our plan and also filled in all the gaps that we had with our insurance policies, superannuation. We couldn't have done all of these by ourselves for sure. We are very happy with Brent’s service and I will be telling my friends and family to also speak with Brent! read less
Sonali Ray -
“We cannot thank Tony enough for his amazing support and advice, I’m pretty sure we wouldn’t have been able to buy our new home if we hadn’t engaged with him so we have benefitted enormously. Tony stepped us through each part of the process so we understood what was happening.... read more“We cannot thank Tony enough for his amazing support and advice, I’m pretty sure we wouldn’t have been able to buy our new home if we hadn’t engaged with him so we have benefitted enormously. Tony stepped us through each part of the process so we understood what was happening. He did that with patience and good grace”. We highly recommend his services.
Trevor & Alison - Brisbane read less 
AlisonWe found working with Tony and team very easy. The team was very helpful. They kept us informed and stepped us through everything. We were guided at every step and did not have to deal with the bank. The whole process was very smooth. Will be recommending Cornerstone to everyone.
Pranav Sood -
Well done on the generous donation for young Richie! ?????????
Cassie ShakespeareWorking with Tony from Cornerstone Advice has been really good.
we now feel confident in making smarter financial decisions and we have peace of mind knowing we are properly insured. Tony is always available
and ready to answer our questions . He is very knowledgeable and delivers a high quality service... read moreWorking with Tony from Cornerstone Advice has been really good.
we now feel confident in making smarter financial decisions and we have peace of mind knowing we are properly insured. Tony is always available
and ready to answer our questions . He is very knowledgeable and delivers a high quality service and we would definitely recommend him
to our family and friends.
David and Linda , North Brisbane read less 
David masters
With you along the way
At Cornerstone Advice we work with you along the way on life’s journey. Whether you are getting married, starting a family, embarking on the trip of a lifetime or planning to enjoy your years after work, we can help.
It all starts with understanding exactly what it is you want to achieve. We will then create your financial plan to help you get there.
We can help you with ...
Superannuation
What is superannuation?
Superannuation (or super) is a fund specifically designed to help you save and invest for your retirement. It’s restricted as you generally can’t withdraw from super until you retire or reach your preservation age (that’s the intention, although there are special conditions of release). And super funds are set up as trust funds. This means a trustee is appointed to manage the fund on behalf, and for the benefit, of its members. Super receives special tax treatment compared to your other money. When it comes to investing over the long term, there aren’t many better tax-effective ways to save for your retirement. Lower taxes and more investment options – such as local and international shares, property and fixed interest investments – offer your super more potential to grow.
Why do I need super?
- Super is compulsory for employees. Superannuation Guarantee (SG) contributions** were introduced to help us take control of our retirement.
- The next step is to use our AMP super simulator to see how you’re tracking and determine what strategies you can use to reach your goals.
** Deposits into a super fund are called contributions.
Advantages of super
Super opens your money to the world of investment markets and you can choose how it is invested. Money in super is taxed in different ways to your other investments. It’s designed to reward you for investing for the long term. Your insurance premiums, which are part of your super contributions, may be paid from your pre-tax salary, which is a tax-effective way to enjoy the protection you and your family need.
How does my super work?
The most common type of super is an accumulation fund, which is like a managed fund or investment. The main difference is the advantageous tax treatment on contributions and earnings which your money enjoys until you retire. If you have a lot of assets and have the time, you may want to consider a self-managed super fund to take control of your super.
Making a contribution
Deposits into super are known as ‘contributions’. There are two types of contributions. They can be made from your:
- pre-tax income (concessional contributions) and
- post-tax income (non-concessional contributions).
Generally, concessional contributions (made from pre-tax income) attract a contributions tax of 15%, which can be significantly lower than your marginal tax rate. Tax on non-concessional contributions (made from post-tax income) does not apply. However, there are caps on both these types of contributions which vary depending on your age.
Benefits
- Earnings in super are taxed at up to 15% (and only 10% on capital gains), which is lower than most people’s marginal tax rate. If you start a pension at retirement then the tax on earnings in super reduces to nil.
- If you withdraw after age 60 your money is tax free.
- You can withdraw your super balance (the benefit) when you reach your preservation age. This varies depending on your birth date. By 2025 everyone will have a preservation age of 60.
- There are different tax treatments on lump sum payments depending on the size of the benefit and the age and service period of the member.
- Money invested after July 1999 is fully preserved, which means it can’t be accessed until you reach your preservation age.
More flexibility
- Super is becoming more flexible with more strategies and ways to reach your retirement goals:
- The government’s co-contribution scheme is designed to help low to middle income earners get more into their super.
- Concessional contributions can be used to reduce your tax.
- A transition to retirement strategy means you can still work full time or part time after your preservation age and still contribute to your super.
- Self-managed super funds allow you to take even more control of your super.
Cornerstone Advice, Financial Planners in Newstead provide superannuation advice. Contact us on Ph: 07 3340 5117.
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 (or super) is a fund specifically designed to help you save and invest for your retirement. It’s restricted as you generally can’t withdraw from super until you retire or reach your preservation age (that’s the intention, although there are special conditions of release). And super funds are set up as trust funds. This means a trustee is appointed to manage the fund on behalf, and for the benefit, of its members. Super receives special tax treatment compared to your other money. When it comes to investing over the long term, there aren’t many better tax-effective ways to save for your retirement. Lower taxes and more investment options – such as local and international shares, property and fixed interest investments – offer your super more potential to grow.
Why do I need super?
- Super is compulsory for employees. Superannuation Guarantee (SG) contributions** were introduced to help us take control of our retirement.
- The next step is to use our AMP super simulator to see how you’re tracking and determine what strategies you can use to reach your goals.
** Deposits into a super fund are called contributions.
Advantages of super
Super opens your money to the world of investment markets and you can choose how it is invested. Money in super is taxed in different ways to your other investments. It’s designed to reward you for investing for the long term. Your insurance premiums, which are part of your super contributions, may be paid from your pre-tax salary, which is a tax-effective way to enjoy the protection you and your family need.
How does my super work?
The most common type of super is an accumulation fund, which is like a managed fund or investment. The main difference is the advantageous tax treatment on contributions and earnings which your money enjoys until you retire. If you have a lot of assets and have the time, you may want to consider a self-managed super fund to take control of your super.
Making a contribution
Deposits into super are known as ‘contributions’. There are two types of contributions. They can be made from your:
- pre-tax income (concessional contributions) and
- post-tax income (non-concessional contributions).
Generally, concessional contributions (made from pre-tax income) attract a contributions tax of 15%, which can be significantly lower than your marginal tax rate. Tax on non-concessional contributions (made from post-tax income) does not apply. However, there are caps on both these types of contributions which vary depending on your age.
Benefits
- Earnings in super are taxed at up to 15% (and only 10% on capital gains), which is lower than most people’s marginal tax rate. If you start a pension at retirement then the tax on earnings in super reduces to nil.
- If you withdraw after age 60 your money is tax free.
- You can withdraw your super balance (the benefit) when you reach your preservation age. This varies depending on your birth date. By 2025 everyone will have a preservation age of 60.
- There are different tax treatments on lump sum payments depending on the size of the benefit and the age and service period of the member.
- Money invested after July 1999 is fully preserved, which means it can’t be accessed until you reach your preservation age.
More flexibility
- Super is becoming more flexible with more strategies and ways to reach your retirement goals:
- The government’s co-contribution scheme is designed to help low to middle income earners get more into their super.
- Concessional contributions can be used to reduce your tax.
- A transition to retirement strategy means you can still work full time or part time after your preservation age and still contribute to your super.
- Self-managed super funds allow you to take even more control of your super.
Cornerstone Advice, Financial Planners in Newstead provide superannuation advice. Contact us on Ph: 07 3340 5117.
Retirement Planning
Transitioning into retirement
You no longer have to retire on the day you turn 65. The day you stop working is now in your hands. By using a Transition To Retirement strategy you can take control of your retirement date, prolong your retirement or use it to turn a redundancy into a time of opportunity.
Managing your retirement
Reaching your retirement is a significant milestone, and it’s important you live the life you want to. There are still many ways to make the most of this stage of your life and you might have a few questions.
- Where should I invest my money?Should you leave it in super or start an income stream? Take the annuity or pension? How good are Retirement savings accounts?
- Make your money last Do you have the right asset mix? And have you structured your finances to maximise government benefits? And what’s the best way to manage your debt?
- Do I pay tax in retirement? It depends on how the money went into your super, how you take money out and how old you are. We look at ways to minimise the tax impact.
- How much can I withdraw from super? What are the minimums and maximums you need to be aware of.
- Preparing for residential careLooking for aged care can be difficult and there’s lots to consider. Being aware means being prepared.
- Estate planningGood estate planning isn’t just about making a will. It’s a good way to take stock of your finances. Read more
For retirement planning advice in Newstead contact Cornerstone Advice on Ph: 07 3340 5117.
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
Transitioning into retirement
You no longer have to retire on the day you turn 65. The day you stop working is now in your hands. By using a Transition To Retirement strategy you can take control of your retirement date, prolong your retirement or use it to turn a redundancy into a time of opportunity.
Managing your retirement
Reaching your retirement is a significant milestone, and it’s important you live the life you want to. There are still many ways to make the most of this stage of your life and you might have a few questions.
- Where should I invest my money?Should you leave it in super or start an income stream? Take the annuity or pension? How good are Retirement savings accounts?
- Make your money last Do you have the right asset mix? And have you structured your finances to maximise government benefits? And what’s the best way to manage your debt?
- Do I pay tax in retirement? It depends on how the money went into your super, how you take money out and how old you are. We look at ways to minimise the tax impact.
- How much can I withdraw from super? What are the minimums and maximums you need to be aware of.
- Preparing for residential careLooking for aged care can be difficult and there’s lots to consider. Being aware means being prepared.
- Estate planningGood estate planning isn’t just about making a will. It’s a good way to take stock of your finances. Read more
For retirement planning advice in Newstead contact Cornerstone Advice on Ph: 07 3340 5117.
Mortgage Broking
A Cornerstone Advice broker will do the leg-work for you. They have access to hundreds of loans from a wide variety of lenders and will work with you to find the loan that suits your individual circumstances.
Having a Cornerstone Advice mortgage broker negotiate finance on your behalf is the smart way to go as they look to save you time, stress and money.
What is a mortgage broker?
A mortgage broker is someone who shops around for the home loan that’s right for you. Whether you’re in the market for your first home or building a portfolio of investment properties, AFG brokers have access to hundreds of loans from a wide variety of lenders.
Our brokers do the hard work for you.
They make sure you get the right home loan for your circumstances and will manage the process from start to finish. Please call us on Ph: 07 3340 5117.
Mortgage Broking
Having a Cornerstone Advice mortgage broker negotiate finance on your behalf is the smart way to go as they look to save you time, stress and money.
Read More ....
Mortgage Broking
A Cornerstone Advice broker will do the leg-work for you. They have access to hundreds of loans from a wide variety of lenders and will work with you to find the loan that suits your individual circumstances.
Having a Cornerstone Advice mortgage broker negotiate finance on your behalf is the smart way to go as they look to save you time, stress and money.
What is a mortgage broker?
A mortgage broker is someone who shops around for the home loan that’s right for you. Whether you’re in the market for your first home or building a portfolio of investment properties, AFG brokers have access to hundreds of loans from a wide variety of lenders.
Our brokers do the hard work for you.
They make sure you get the right home loan for your circumstances and will manage the process from start to finish. Please call us on Ph: 07 3340 5117.
Why Choose Us?
Exceptional Personal Service
Our focus is on listening, understanding, and caring about your concerns and providing you with an individual level of service.
Ongoing Support
Our friendly support team will support you throughout your journey with us and answer any questions you have along the way.
Knowledge and Experience
Our Financial Advisers are highly qualified and have the knowledge and experience necessary to focus on all your important financial matters.
A Holistic Approach
We want to understand exactly what you want to achieve in life and provide you with strategies to guide you towards your goals.
Keep You On Track
We will keep you accountable along the way because we want you to stay on track to achieve your goals.
Ease and Convenience
Deal with one company for your superannuation, investment, debt management, insurance and estate planning needs.
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