Our Financial Services
Disclaimer
The information posted is intended to be general in nature and is not personal financial product advice. It does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) or other offer document prior to making a decision.
Investment
“If you don't take care of your money your money won't take care of you.” ― Mac Duke The Strategist
We help clients to set a clear investment goal that is measurable. Looking into their family financial situation and their cash flow, we assist to set time frames for investments and manage risk by allocating assets appropriately based on clients' risk tolerance. We recommend tailored investment portfolio under the most appropriate structure in order to manage future tax.
- Investment portfolio construction
- Investment tax structure advice - individual, partner, company, family trust
- Regular investment plan
- Regular payment plan from lump sum investment
- Gearing
- Education funding
- Annuity
- Inter-generation wealth management
Retirement planning
“I believe that the biggest mistake that most people make when it comes to their retirement is they do not plan for it. They take the same route as Alice in the story from “Alice in Wonderland,” in which the cat tells Alice that surely she will get somewhere as long as she walks long enough. It may not be exactly where you wanted to get to, but you certainly get somewhere.” ― Mark Singer, The Changing Landscape Of Retirement - What You Don't Know Could Hurt You
We help pre-retirees to set retirement goals, identify retirement gaps and advise on how to best utilise their resources to achieve a better retirement outcome. We help post-retirees to have a more sustainable retirement plan, maximum Centrelink entitlements (if applicable), adjust investment strategies in order to achieve a financially secured retirement life.
- Contribution strategies to boost up retirement savings
- Super/pension investment portfolio review and construction
- Retirement projection and gap analysis
- Set up pension income streams
- Age pension
- Annuity
- Aged care
- Estate planning
Super & SMSF
Everyone has super accounts. Are you paying multiple fees by having several accounts? Is your super invested in the way you are comfortable with?
We help clients to review their super accounts to ensure they are in the most appropriate super to meet their needs and it's cost effective. We also review client's super investment strategy as well as contribution strategy.
For more affluent investors with complex needs, we assist in evaluating if SMSF is an appropriate solution and provide investment and contribution advice to the SMSF trustee and it's members.
Please find more information below:
- Super consolidation
- Super platform comparison and selection
- Super investment portfolio construction/review
- Contribution strategy
- Establish SMSF
- SMSF investment strategy
- Wind up SMSF
Cash flow & Debt
Cash flow is the foundation of personal finance. Knowing and managing what's coming in and what's going out, we will be able to assist clients in utilising the surplus or managing the deficit.
Debt can be good or bad. We help clients to reduce bad debt quicker by providing debt management advice.
- Cash flow analysis & budgeting
- Debt consolidation
- Repayment strategy
- Debt projection
- Debt recycling
Tax planning
Tax planning is often part of our investment advice, super & SMSF and retirement advice. Tax implication is an important factor when we giving our financial advice. We often incorporate strategies that not only assist clients in achieving their goals but also reduce tax liability. We also provide advice to manage CGT and small business CGT.
- Investment tax structures
- Tax effective strategies
- Future personal tax planning
- CGT planning
- Small business CGT planning
Insurance
"if there is anyone dependent on your income - parents, children, relatives - you need life insurance." - Suze Orman
We believe that personal insurance, as part of wealth preservation, is the foundation of wealth creation. It ensures the family's finance does not collapse in the event of the unfortunate. We believe in the right level of protection under the appropriate structure to meet protection needs rather than having excessive protection.
We also provide advice on business expenses insurance, key man insurance as well as buy-sell agreement insurance funding for business clients.
- Review existing insurance policies
- Life cover
- Total and Permanent disability cover
- Trauma/critical illness cover
- Income protection
- Business expenses cover
- Key man insurance
- Buy-sell agreement
Ongoing service program
“To achieve what 1% of the worlds population has (Financial Freedom), you must be willing to do what only 1% dare to do..hard work and perseverance of highest order.” ― Manoj Arora, From the Rat Race to Financial Freedom
Discipline is one of the most important things in personal finance. People tend to deviate from a solid financial plan or panic over time due to market noises. After receiving financial advice from us, we also offer ongoing service program for our clients to participate. It allows us to continue engaging with our clients to ensure they make educated financial decisions in the changing environment.
- Assist clients in making educated desicions
- Regular review of financial strategy and portfolio
- Ad-hoc adjustments as a result of changing superannuation rules, taxation, social security rules etc
- Adjustments as a result of personal situation changes
- Keep appropriate investment discipline during volatile markets
- Facilitate with other professionals