Welcome to Crothers & Associates

Professional Financial Advisors
Wodonga, Victoria

Crothers & Associates logo

Welcome to Crothers & Associates

Professional Financial Advisors
Wodonga, Victoria

At Crothers & Associates our guiding business principle is to provide an honest and professional financial advisory service to all our clients.

About Crothers & Associates

Learn more about how Crothers & Associates can help you with your financial needs.

We’re passionate about helping people to plan for, and enjoy, a secure financial future. Our approach is a highly personal one, where we will work collaboratively with you to help you gain greater control over your finances and guide you towards the lifestyle you want to live.

The needs of our clients are always first priority. We want to get to know you and to discover what’s really important to you, as this helps us tailor our advice and services specifically to your needs. Naturally, all financial matters are discussed and explored in a completely confidential manner.

Seeing our clients thrive and enjoying the freedom to pursue those things that are really important to them is an incredibly rewarding aspect of our job - throughout the years we have helped many people achieve their goals. We look forward to discussing how we may be able to help you.

Meet Our Team

Learn more about the team members that keep the wheels turning at Crothers & Associates.

Trent Crothers

Director

Sarah Crothers

Financial Planner

Jess Kaisner

Personal Assistant

Taryn Hamilton

Receptionist

Financial Services

Learn how to manage your tomorrow today with a structured financial plan from the team at Crothers & Associates.

Our Process

Our goal is to get to know you by developing a sound knowledge of your circumstances, needs and aspirations. Once we have done this we develop and provide you with your financial road map outlining personalized financial strategies to secure your financial future and peace of mind.

Life is a journey into the future

Each of us is on our own unique journey to our own unique future. Crothers & Associates Financial Services has found that many people are so busy and focused on day to day living that they have yet to develop a road map to their future goals, aspirations and dreams.

How does your financial future look?

Crothers & Associates Financial Services recognises that everyone is different with unique needs and objectives. What's more, your financial needs change as you go through different life stages. At Crothers & Associates Financial Services we help you make the appropriate choices regarding your financial future.

How do we achieve this?

Our goal is to get to know you by developing a sound knowledge of your circumstances, needs and aspirations. Once we have done this we develop and provide you with your financial road map outlining personalized financial strategies to secure your financial future and peace of mind. We provide regular reviews as checkpoints to make sure that your plan is on track.

Looking into your financial future can be like travelling through unfamiliar territory. With Crothers & Associates Financial Services you will have a financial road map to follow with clearly defined goals and deadlines.

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1: First Meeting

Discovery - get to know each other and decide if we'd like to work together. Sign Terms of Engagement letter.

ADVISER Actions

  • Research and analyse current personal situation including assets/liabilities, income, insurances, estate plan etc (contact product providers on your behalf)
  • Formulate, stress-test and optimise available strategies.
  • Determine appropriate providers for wealth creation and protection.
  • Contact product providers/accountant as necessary.
  • Get quotes from potential product providers.

CLIENT Actions

  • Send through additional information as requested.
  • Do requested "homework" to understand investment concepts.
Our Process - Step 01
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2: Strategy Meeting(s)

Discuss recommended strategies and likely outcomes.

ADVISER Actions

Continue to implement actions from Step 1 as required, plus:

  • Fine-tune and document recommendations.
  • Finalise investment portfolio to suit outcomes and risk profile.
  • Liaise with other legal/tax professionals if necessary.

CLIENT Actions

Continue to implement actions from Step 1 as required, plus:

  • Do any additional "homework" to understand recommended strategies.
Our Process - Step 02
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3: Advice Implementation Meeting

Finalise financial plan. Sign documentation to implement recommendations.

ADVISER Actions

Continue to implement actions from Step 2 as required, plus:

  • Ensure plan is implemented correctly:
    • Establish accounts/policies.
    • Co-ordinate rollovers/contributions.
    • Liaise with all product providers.
    • Purchase required investments.
    • Cancel any superseded products when replacements are finalised.
    • Schedule ongoing management of your plan.
  • Schedule ongoing management of your plan.

CLIENT Actions

Continue to implement actions from Step 2 as required, plus:

  • Complete any requested underwriting requirements.
  • Liaise with third parties as requested (e.g. employer, Centrelink).
Our Process - Step 03
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4: Implementation Review

We look at everything that has been implemented so far and ensure that it is all moving forward as expected.

Our Process - Step 04
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Commence Ongoing Service

We will schedule regular review meetings with you to ensure that your financial plan is adjusted for your circumstances as your life changes.

Our Process - Step 05
You're in good hands at Crothers & Associates

Crothers & Associates Partnership

We'll work with you to develop a mutually beneficial long-term relationship that:

  • Helps you determine and define your personal lifestyle and financial objectives
  • Works to help you reach your personal and financial objectives
  • Both parties feel their needs and expectations are being met
  • Is based on reliability, integrity & trust
  • Provides regular communication

Peace of Mind Partnerships

Without support and guidance, the journey to your financial future can be long and aimless.

In fact most people will never reach this destination on their own. Crothers & Associates Financial Services invites you to join our financial peace of mind journey. Our professional team will work with you each step of the way to help you achieve your financial goals and dreams.

Take the first step on your financial journey by contacting us

Financial Videos

Latest News

Read the latest from the Crothers & Associates news desk.
SMSFs attract younger members

SMSFs attract younger members

Given that self-managed super funds (SMSFs) hold more than half of the retirement dollars in super, it is easy...

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Heed restrictions on downsizer contributions

Heed restrictions on downsizer contributions

Downsizer contributions can be a valuable strategy for members who are retired or have reached their...

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Access to more resources and tools than most websites.

Access to more resources and tools than most websites.

We provide 24/7 access to all these extra tools and resources to help you build on what we offer concerning...

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Valuations key to avoiding NALI restrictions

Valuations key to avoiding NALI restrictions

SMSF trustees may find properties within their fund caught under changes to non-arm’s length income rules...

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SMSF advice appetite strong, says ASIC

SMSF advice appetite strong, says ASIC

A new ASIC report has highlighted demand for further advice on the specifics of SMSFs among the Australian...

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For a smoother path to investment success, diversify

For a smoother path to investment success, diversify

The word diversification crops up in many contexts. You might hear a business person talk about diversifying...

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How's Australia doing statistically?

How's Australia doing statistically?

One great source of data about Australia. Become better acquainted with the country we love.  An up-to-date...

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 LRBA changes mostly affect Melbourne, Sydney retirees

LRBA changes mostly affect Melbourne, Sydney retirees

Incoming changes to LRBA provisions are likely to affect the majority of SMSF trustees in Melbourne and...

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Lessons from the 2019 Index Chart

Lessons from the 2019 Index Chart

Between smartphones, websites and watches that alert you even when you have ignored the phone, it is hard, if...

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Are you emotionally and financially ready for retirement?

Click here to receive your complementary Retirement Planning Guide.

Contact Us

We'd love to get in touch and we welcome any enquiry that you may have.

Get in Touch

Crothers & Associates welcome your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

Email

Our Office

  • 10 Stanley Street, Wodonga VIC 3690
  • PO Box 521, Wodonga VIC 3690
  • (02) 6009 1699
  • 8:30AM to 5:00PM

Personal Risk Insurance Advice

What would happen if catastrophe suddenly struck and you and your family were left without an income? While many of us seldom to think of it, an unexpected illness, injury or worse can strike at any time potentially leaving you or your family in financially dire straits. Having a backup plan in the form of personal risk insurance can help protect your family against financial adversity when they need it most.

While personal risk insurance can’t prevent unforeseen events, it can help to alleviate some of the financial stress during what is already an emotionally upsetting time and reduce a great deal of pressure for those around you.

At Crothers & Associates, ensuring that our clients have the right insurance is one of our primary concerns. We understand there can be some confusion around insurance, especially when it comes to the complexity around policy inclusions and exclusions, so we’ll help you to choose the right level of insurance for your needs based on a thorough assessment of the products available and an understanding of your situation and requirements.

It’s a service that can save you both time and money.

To find out more, please contact us.

Investment Advice-Wealth Creation

One of the myths when it comes to investing is that you have to have a large amount of money to begin with.

However this isn’t the case. The key to successful investing is “time in the market” not “timing the market.” In other words, steady, regular investing is more likely to reap rewards than attempting to invest sporadically when you think markets may be about to rise.

While the share market can be subject to its ups and downs, investing still remains one of the most effective ways to grow your wealth over time.

If you’re thinking of ways to set yourself up financially, educating yourself about investing and the different types of investment options is a great way to start. However investing isn’t without risk, so when you’re ready to get started it’s a good idea to seek some professional advice.

Creating wealth is not something that happens overnight- unless you win Powerball! Which isn’t something we can realistically rely on for our future financial security.

Instead, real financial security involves careful planning with the professional guidance of a qualified financial adviser. At Crothers & Associates, we help people from all walks of life to plan for and enjoy a secure financial future.

Our approach involves gaining a thorough understanding of your goals and objectives, and then working closely with you we’ll develop an investment strategy that’s designed to make your goals and ambitions for the future become a reality.

To find out more, please contact us.

Direct Share Advice

Have you always wanted to invest in shares but don't know where to begin?

At Crothers & Associates we can provide you with the advice and guidance you need to get started or to grow your existing portfolio. We offer advice on margin loans for the risk-takers and ethical investing for the change-makers.

We can provide advice and guidance in relation to the development and construction of a well-considered diversified investment portfolio. Our advisory services in this area include:

To find out more about our approach to investing shares, please contact us.

Cashflow and Budgeting Advice

Crothers & Associates provides clear, expert advice designed to help you take the first step on your financial journey with confidence.

We take the stress out of the situation by creating a realistic budget focused on helping you tackle your financial challenges.

We work together to create a manageable budget tailored to your situation. Then, we make sure that your cash flow is allocated correctly to help you meet your financial goals.

Are you struggling to balance your lifestyle with your income and financial goals?

Our team of expert financial advisors can help you identify areas where you could cut back to improve your cash flow.

Do you want to create savings goals but don’t really know where to start?

Crothers & Associates can help you define clear goals that will support you into the future.

Our services also include:

We are also experienced in helping those with complex income streams make sure your cash flow is helping you to reach your desired financial future.

All you need to get there is expert guidance from a team of experienced, no-nonsense professionals.

We can provide that guidance.

Corporate Superannuation Advice

The complexities of handling superannuation for your employees can be challenging and is usually best managed by an external body. We know that many business owners are incredibly busy and often unaware of the intricacies of the corporate superannuation environment.

At Crothers & Associates, our services for our corporate superannuation clients include:

To find out more about our approach to corporate superannuation please contact us.

Superannuation Advice

Living comfortably in your retirement years is something we all aspire to, all it takes is some careful planning prior to retirement for you to reap the benefits of your hard-work and perseverance. Thinking about retirement at a young age may seem premature, however the sooner you start to build your retirement nest egg the better.

In addition to the contributions made by your employer into your superannuation fund, there are a number of other strategies available that can help you to grow your superannuation savings further. Choosing the strategy that’s right for you will depend on a number of factors including your age, income, relationship status and desired retirement age.

The Federal Government provides a range of taxation incentives to encourage Australians to save for their retirement using the superannuation environment so you could potentially boost your super savings and pay less tax at the same time.

Self Managed Superannuation Funds

Self Managed Superannuation Funds or SMSFs, continue to attract a wide range of interest as they generally offer greater flexibility and control over investment choice than traditional retail or industry funds, however an SMSF is not without risk.

Setting up and running an SMSF requires a degree of financial acumen and carries significant compliance and reporting obligations that many investors may find time-consuming and onerous.

At Crothers & Associates we can assess your particular situation and help to develop a superannuation strategy that’s right for you.

To find out more, please contact us.

Centrelink Advice

Many Australians will come to rely on a full or part Age Pension to supplement or fund their living expenses in retirement. With Australia’s ageing population and increasing longevity, there’s likely to be increasing pressure on the Age Pension into the future.

At Crothers & Associates, we understand the complexities of the Age Pension system and the eligibility requirements for pension entitlements. We can help you to navigate the system and determine whether you may be eligible to receive any entitlements to supplement your retirement income.

We do this as part of our comprehensive retirement planning process, so you’ll have a clear picture of where your retirement income is coming from when you retire.

We also understand that many people struggle with Centrelink and its often onerous and cumbersome processes, so as part of our service we take care of all the paperwork and liaison with Centrelink on our client’s behalf. Many of our clients have come to appreciate this service as alleviates them of the burden of dealing with Centrelink and allows them more time to enjoy those things that are really important to them.

To find out more, please contact us.

Retirement Advice

The lead up to retirement can be an exciting time for many people as they start making plans for the future beyond their working careers. For others, it can be a time of trepidation as they contemplate whether they will have enough money to last as long as they do.

Regardless of your particular situation, the key to a successful retirement is careful planning. At Crothers & Associates we’re retirement planning professionals and specialise in helping ordinary working people to plan for, and ultimately enjoy, a secure financial future.

Whether you’re five or ten years away from retiring, or if it’s still a distant destination on the horizon, we can help you to work out your finances and develop a strategy that’s designed to make your vision of retirement become a reality. Even if you feel you may have left it a little too late, we can assess your circumstances, current and foreseeable commitments and obligations, and develop a strategy that’s tailor-made for you.

Our approach involves a detailed analysis of your living expenses, financial resources and the development of investment strategies that are designed to accommodate your lifestyle requirements now and into the future as your needs change. It’s a service that can make a considerable difference to the quality of life you ultimately enjoy when you decide to leave the workforce and hang up your slate for good.

To find out more, please contact us

Useful Links

Secure File Transfer is a facility that allows the safe and secure exchange of confidential files or documents between you and us.

Email is very convenient in our business world, there is no doubting that. However email messages and attachments can be intercepted by third parties, putting your privacy and identity at risk if used to send confidential files or documents. Secure File Transfer eliminates this risk.

Login to Secure File Transfer, or contact us if you require a username and password.

Please enjoy the links to these free tools supplied by MoneySmart - a great resource for general financial information. Please get in touch if you would like to discuss any questions that you may have as a result of using these calculators.

Trent Crothers

Trent Crothers

Director
Adv. Dip. FS (FP), FChFP

Trent has been in the Financial Services Industry since 1998 and has completed his Advanced Diploma in Financial Services (Financial Planning), as well as completing the designation in the Fellow Chartered Financial Practitioner (FChFP) program. Currently he is half way through his Masters of Financial Planning through Griffith University. Trent has achieved recognition as one of the few advisers in the Albury/Wodonga region specialising in Corporate Superannuation. Trent provides advice in all areas of Financial Planning and specialises in areas of Superannuation, Corporate Superannuation, Retirement Planning, Wealth Creation, Direct Shares, Centrelink Pension maximisation strategies, and Personal & Business Insurance Advice. Trent is also an active member of the AFA. Outside of work, both Trent and Sarah’s life is centred around their 18 month year old son Spencer. Other interests includes all sports especially following the trials and tribulations of the Dees in the AFL, as well as having an interest in a few horses trained locally. Trent also enjoys getting his hands dirty in the garden on weekends.

To find out more about Trent Crothers, click here to view his Adviser Profile.

Sarah Crothers

Sarah Crothers

Financial Planner
Adv. Dip. FS (FP)

Sarah has been in the Financial Services Industry since 1999 whilst first starting her career locally in Wangaratta. She has completed her Advanced Diploma in Financial Services (Financial Planning), and is keen to commence further studies in the near future. Sarah is also a member of the AFA & Credit Ombudsman Services Limited. Sarah provides advice in all areas of Financial Planning and specialises in areas such as Centrelink Pension maximisation strategies, Wealth Maximisation and tax planning in conjunction with Superannuation. Outside of her two days in the office, Sarah has her hands full with her baby boy Spencer,or as his is known in the household as “The Terminator”. Sarah is also very energetic in the community and local charities, which has consisted of organising the Albury and Wodonga Gold Cup racing events, Fashions on the Field, and is also a current committee member with the Stars of the Border Dance for Cancer annual event.

To find out more about Sarah Crothers, click here to view her Adviser Profile.

Jessica Kaisner

Jess Kaisner

Personal Assistant

Jess started working in the finance industry in 2012 completing her Certificate III in Business Administration and going on to complete her Diploma of Financial Planning in 2018.

Jess has strong experience in customer service and her ‘can do’ attitude ensures our clients always feel valued.

Outside of work Jess enjoys spending time with her friends and family, keeping active, camping and watching her favourite AFL football team (Go Tigers)

Taryn Hamilton

Taryn Hamilton

Receptionist

Taryn has recently commenced her employment with Crothers & Associates as our bright and bubbly trainee receptionist. Whilst completing her traineeship she is presently undertaking her Certificate III in Business Administration through Wodonga Tafe.

Taryn takes pride in the goals that are given to her and always pushes to achieve them.

When Taryn isn’t answering phones, she enjoys travelling, hanging out with her dog & playing hockey for the Albury Falcons.

Get in Touch

Crothers & Associates welcome your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!

Email

Our Office

  • 10 Stanley Street, Wodonga VIC 3690
  • PO Box 521, Wodonga VIC 3690
  • (02) 6009 1699
  • 9:00AM to 5:00PM