SERVICES

Investments

We will determine an appropriate asset allocation for clients based on risk preferences, performance objectives, investment time horizon, and many other factors. The resultant portfolio is designed to provide the maximum returns for a desired level of risk based on historical averages. Our planners are also able to offer direct equities advice for their clients.

Insurances

Financial planning involves more than figuring out the best way to accumulate assets. It also involves protecting those assets once you have them. That's where insurance comes in. None of us can predict the future, so it's crucial to protect your family from the risk of catastrophic loss with a comprehensive, carefully chosen personal insurance plan. For business owners, insurance can be an indispensable tool in helping ensure the continuation of what you've worked so hard to build. We can design a tailored risk management program that takes into account short- and long-term objectives and goals as well as your current position. We can also offer general insurance for your personal and investment needs.

Retirement

We work with you to ascertain how to best generate the income you need for retirement including managing assets and allocating income in the most tax effective method. We examine the most suitable retirement options available to you, whether it be allocated pensions, term allocated pensions or complying pensions, to establish the most tax effective method in order to get the best income available to you.

Superannuation

We will review your personal or corporate superannuation arrangements to explain how your superannuation investment can be arranged to meet your expectations: make sure your investment options complement your risk profile and assist you in the creation of a comprehensive superannuation strategy for your retirement. We are also able to assist in the establishment of self managed superannuation funds (SMSF) with particular attention given to the investment strategy, ongoing compliance and auditing.

Salary Packaging

The tax savings afforded by salary packaging are increasingly becoming available to employees. Our representatives are experts in salary packaging, particularly for government employees.

Estate Planning

Estate planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. The aim of an estate plan is to preserve the maximum amount of wealth possible for the intended beneficiaries and flexibility for the individual prior to death. Preserving wealth unfortunately includes protecting wealth from any claims made upon the estate by other disgruntled parties. We can assist in the design and implementation of an estate plan.

If limited assistance is desired then we can provide lawyers briefs to establish wills and trusts, which are common ways in which individuals dispose of their wealth. Trusts, unlike wills, have the benefit of avoiding probate, a lengthy and costly legal process that oversees the transfer of assets.

Taxation

Through our relationships with various tax accountants we are able to assist you with assessing your overall tax situation and sourcing allowable deductions, optimising your investment structures, and developing appropriate strategies to improve your overall situation.