Wealth building
Build long-term wealth with strategies for investing, saving and managing your cash flow.
Superannuation
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Financial planning IN TAREE
Financial planning for every stage of life in Taree
Located on the beautiful NSW Barrington Coast, Taree is known for its strong community, relaxed lifestyle and natural surroundings. It's a popular destination for retirees and those seeking a sea or tree change, while also being home to families, professionals and business owners who value the opportunities the region offers.
As locals ourselves, we're proud to be part of the Taree community. Our longstanding connection to the region gives us a genuine understanding of the people who live and work here, allowing us to provide personalised financial advice that reflects local needs and aspirations. We take the time to understand your goals and develop practical strategies that support your financial future.
From superannuation reviews and investment management to retirement planning and aged care advice, we help clients navigate every stage of their financial journey. Whatever your age, circumstances or life goals, we're here to help you build a clear financial roadmap and provide the guidance needed to achieve greater financial confidence and security.
What we bring to the table
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Cash flow budgeting
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Debt management
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Personal insurance
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Estate planning
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Why choose us in Taree
Count Wealth Taree is led by Senior Financial Planner Warren Fischer, a well-known and highly respected adviser in the Manning region with more than 33 years of experience. Warren has built a strong and loyal client base over this time, working with local individuals, families and business owners across a wide range of financial situations. His background also includes over 20 years operating his own successful personal tax and planning business, bringing deep technical knowledge and practical, real-world insight to his advice.
What sets Warren and the Taree team apart is the long-standing connection to the local community and the relationships built over decades of working with clients through every stage of life. Many clients have been with Warren for years, reflecting a level of trust that comes from consistent advice, clear communication and a genuine understanding of local needs. This experience is particularly valuable in a regional area like Taree, where financial decisions often intersect with family, business and long-term lifestyle planning.
For clients in the Manning region, having a local adviser who understands the community, industries and life transitions common to the area makes a meaningful difference. From business owners and farming families through to retirees planning their next chapter, Warren and the team provide tailored financial strategies that are practical, personal and grounded in local experience.
Frequently asked questions
I run a small business or trade in the Mid North Coast - how do I plan for retirement?
Trade and small business retirement planning often centres on diversifying away from the business itself, addressing personal insurance, and using the small business CGT concessions if available at the time of sale. Many trades and small business owners have most of their wealth tied up in the business and the family home, with relatively little in super; addressing this earlier rather than later creates more options.
How do superannuation rules apply if I've been self-employed?
Self-employed Australians don't receive employer super contributions, so super becomes a deliberate decision. Personal concessional contributions, the work test for older clients, and how to balance super against paying down a mortgage or business debt are common conversations.
What estate planning do Mid North Coast families typically need?
Beyond a current will, key documents include binding death benefit nominations on super, powers of attorney, and consideration of testamentary trusts where they suit. Common considerations include providing for children fairly, dealing with the family home or rural property, and ensuring superannuation flows to the right beneficiaries.
How should I think about the local Mid North Coast property market in my plan?
Property is one part of a diversified portfolio, not the whole portfolio. Mid North Coast property has its own characteristics, with lifestyle demand from sea-changers and supply constraints in some areas, but the planning principles are the same: diversify across asset classes, match risk to timeframe, and don't overcommit to a single market.
What's the right way to plan retirement in a regional area?
Regional retirement can offer a lower cost of living than capital cities, but planning still needs to cover healthcare access, aged care availability, transport, and the cost of the lifestyle you actually want. Conservative income projections that work for 25 to 30 years of retirement are the foundation.
I have an investment property - what should I be thinking about?
Investment property planning includes the structure of ownership, the tax treatment of income and deductions, the interaction with negative gearing rules, depreciation, and the eventual capital gains treatment. Cash flow, debt management, and how the property fits within the broader portfolio also matter.
Case study 1
Retaining Disability Support Pension After Receiving an Inheritance
The Situation
A Taree client received an inheritance and wanted to invest for the future while keeping their Disability Support Pension, which was their highest priority.
What We Did
After reviewing their finances, we identified an opportunity to contribute part of the inheritance to superannuation while retaining enough cash for planned expenses. As the client was under Age Pension age, the super funds held in accumulation were exempt from the Centrelink Assets Test. We also confirmed they could access their super if unexpected expenses arose.
The Outcome
Our recommendations helped the client retain their full Disability Support Pension while increasing their superannuation savings for long-term growth and future income needs. The client was delighted with the result, as they believed keeping their pension after receiving the inheritance would not be possible.
Case study 2
Maximising Retirement Income and Age Pension Benefits
The Situation
A Taree client was approaching retirement and wanted to understand their income options, organise their superannuation, and determine their eligibility for the Age Pension.
What We Did
We reviewed their superannuation and identified a significant taxable component that could create unnecessary tax for their beneficiaries. We implemented strategies to reduce this tax liability and repositioned their super to support long-term growth and tax-effective retirement income. We also recommended commencing an Account-Based Pension and utilised a Centrelink-friendly investment strategy to improve their Age Pension entitlement.
The Outcome
The taxable component of their super was reduced to nil, potentially saving their estate significant tax. The client commenced an Account-Based Pension to fund their retirement and successfully qualified for a higher Age Pension payment. With increased Age Pension income, they can draw less from their super, helping their retirement savings last longer while maintaining a comfortable lifestyle. The client was delighted with the outcome and appreciated having a clear, easy-to-understand retirement plan.
Contact us today
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