Our Services
Our Services. Your Solutions.
Good financial planning is about more than just money – we believe that it's a living process that reflects your needs and goals as they change and evolve. Our professional advisors will develop a tailored blueprint to assist you with:
Managing your Finances
- Drawing up a family budget
- Budgeting and savings tips
- Controlling your cash flow
- Consolidating your debts to help reduce your costs
- How to pay yourself first
- Planning for your children's education
Creating Wealth
- Borrowing to invest (gearing)
- Establising regular savings plans
- Legally minimising your ongoing tax liability
- Planning tax-effective strategies
Lending
Choosing the right loan that suits your needs is a critical financial decision, especially since there are a multitude of product providers in the marketplace and so many different types of loans on offer. Our lending specialists have access to a comprehensive range of lending providers and products and can help you select the most appropriate loan for your needs, and specifically in the areas of:
- Home loans
- Investment loans
- Personal loans
- Business loans
- Equipment leasing
- Reverse mortgage loans
- Investment Lending
- Margin Lending
Managing your Investments
- Selecting the right investments for your needs e.g.
- Fixed Interest Investments & Trusts (Global & Domestic)
- Mortgage Trusts
- Australian Equity Trusts
- International Equity Trusts
- Smaller Companies Equity Trusts
- Property Securities Trusts
- Direct property
- Direct Equity Model Portfolios
- Capital Protected Equity Portfolios
- Private Equity Trusts
- Infrastructure Trusts (Global & Domestic)
- Unlisted Property Syndicates & Private Investor Funds
- Hedge Funds
- Socially Responsible Equity Trusts
- Hybrid Securities Trusts
- How and where to invest lump sums
- Ongoing administration of your investment portfolio
- Regular ongoing reviews of your investment portfolio
Superannuation
- Advice in relation to your retirement objectives, your current employment situation and your overall financial position
- Advice on pre and post tax contributions to superannuation
- Advice on withdrawals from superannuation
- Advice on superannuation tax components
- Advice on salary sacrificing into superannuation
- Advice on salary packaging your superannuation and other expenses
- Establishment of Self-managed superannuation funds (known to us as Family Retirement Funds or DIY Funds)
- Retirement Benefits Fund (RBF) Advice and other Government funds such as CSS and PSS
Personal Insurances
Having an effective financial strategy is all about 'laying the foundation', and insurance cover can be critical in forming the foundation of your underlying financial strategy.
The objective of having insurance cover over your life, your personal assets and your business assets is to protect yourself and your family from financial distress in the event of death, illness or accident, and to ultimately protect yourself from the risks that may materially impact your financial objectives and your lifestyle. We can help you by assessing your need for the various types of insurance covers available to you:
- Term Life Cover
- Total & Permanent Disability Cover
- Trauma/Critical Illness Cover (insuring for specific events such as cancer, stroke and heart attack)
- Income Protection (insuring your greatest asset – your future earning potential)
- Business Expenses Cover (insuring for the fixed expenses of running your business)
- Key Person Cover
- Cross Life Cover (Business partners insurance)
- Private Health Insurance
Retirement Planning
Preparing for the lifestyle you want in retirement requires careful planning. We will help you to prepare for a secure and comfortable retirement by:
- Developing superannuation strategies
- Developing non-superannuation strategies
- Helping you transition from work to retirement
- Maximising your Government entitlements (via Centrelink and the Department of Veteran's Affairs)
- Understanding and working with government legislation and regulations
- Helping you to grow a secure income stream
Aged Care Advice & Planning
Assessing your eligibility, or your elderly relatives' eligibility for Aged Care can be a very daunting and very complicated task particularly as there are many variables to consider. Our advisors have experience with:
- Calculating the Aged Care daily care fees and accommodation bonds
- Centrelink assessment of assets and income streams for Aged Care
- Centrelink assessment of Aged Care accommodation payments
Estate Planning
Estate planning is more than just making a Will. It forms a vital part of financial planning. To ensure that your assets are dealt with according to your wishes, we will provide you with advice on:
- How to ensure that the right assets end up in the right hands
- How to structure your investments to best provide for your family
- How to ensure your assets are transferred to your beneficiaries with minimal tax
- How to leave a legacy that won't disadvantage your beneficiaries
- How to minimise the risk of family disputes
- The appropriateness of Testamentary Trusts (commonly referred to as Will Trusts) for asset protection and taxation benefits
- Strategies surrounding Wills and Powers of Attorney
Who benefits from our services?
Our aim is to build a financial strategy and an overall blueprint that's tailored to your needs – that gives you direction and meaning to your financial decisions – that equips you with a road map to achieve your goals. Talk to our team if you:
- are seeking to make the most of what money you have and want every dollar to work towards providing you with a comfortable future
- feel like your financial situation and lifestyle needs improving
- have a young family and need to finance your children's education
- are a young investor and have no money
- just cannot seem to save any money
- have a lump sum of money to invest, whether from an inheritance, lottery win, redundancy payment, Worker’s Compensation payment, MAIB claim, or marriage settlement
- feel like you can't or don’t want to manage your investments on your own
- want to know whether to accept a Salary Packaging or Salary Sacrificing arrangement
- have a number of debts you feel you are out of control
- have changed jobs and want to consolidate all of your superannuation accounts into one easy-to-manage account
- are interested in tax effective strategies to legally minimise your tax
- want to ensure that your family is looked after if you die prematurely
- are not sure what would happen if you suffered a prolonged sickness or illness that prevented you from working for a long period of time
- are retired and feel that your finances need to be managed more appropriately and to perhaps enable you to access the Age Pension and its associated benefits
- are approaching retirement and want solutions for a comfortable and stress free retirement using the capital you have accumulated
- are retired and wish to maintain the real value of your capital, and to grow secure, ongoing income streams in your retirement years
- are contemplating Aged Care for your elderly parents