N.C. Bruining & Associates Pty Ltd are an Australian Financial Services Licensee based in Subiaco Western Australia with an office in Midland.

We have no ownership links to any institution or fund manager whatsoever.

Ours is a small practice, specialising primarily in pre & post retirement planning with extensive experience in comprehensive retirement income strategies maximising government benefits and other retiree concessions when possible.

We are not focussed on the products used, but strategies and outcomes.

Our main areas of expertise are in the lead up to and throughout retirement. Including but not limited to:

* Comprehensive retirement income strategies incorporating
- maximising benefits.
- minimising tax
- low risk approach
- liaising with Government departments on your behalf, including Centrelink & DVA
- detailed planning of how funds are distributed when you die.

* Comprehensive pre retirement strategies incorporating
- forward planning of retirement expenditure including regular income and lump sums
- optimising net tax position to boost savings capacity
- low risk approach to strategies and investments

* Extensive Aged Care financial advice
- ACAT assessment advice on best strategies to reduce costs
- detailed analysis on whether to retain or sell the family home
- maximising Centrelink income
- direct liaison with and on behalf of families with aged parents

* Self Managed Superannuation Advice
- objective determination of suitability of SMSF at an individual level
- advice with wind-up of SMSFs where required.
- research based portfolio design for SMSF investment strategies
- significant savings with no commissions or kickbacks on insurance within SMSF

Importantly, our advice is not driven by investments. We work on a flat-fee, quote before work-done system. How much you have is irrelevant because our objective is to develop the best strategy for you and your circumstances.

Our founder Nick Bruining CFP, is a senior financial planner with more than 29 years experience. In the past, this includes lecturing, assessing and course design for the Financial Planning Association and Curtin University. He has held a number of senior positions within private and Government organisations.

David McGregor CFP works from our Subiaco office as a planner with a number of years of experience and was previously a senior Centrelink officer. He is a regular contributor on ABC Radio WA.

Ben Coombe is a Senior Financial Planner who has worked with a major Australian Fund manager for several years as the WA State Manager and brings many years of inside knowledge of the investment management business to the firm. He has extensive experience in lecturing on Self Managed Superannuation Funds. He works alongside David McGregor In our Subiaco office.

David, Ben and Nick comprise the N.C. Bruining and Associates leadership team and are responsible for the conduct and operation of the firm.

In 29 years, we have only appointed 7 financial planners. That's because we don't employ financial advisers because of their sales ability but on their technical ability and their ethical approach to clients.

Using that as a starting point ?

- In spite of many requests to join us, very few get through our selection process.

Follow the links on the left to find out about our services, planners, approach to financial planning and how we charge.