HOW WE CAN HELP YOU

Our Process and Advice

The first steps

First meeting

We offer our clients a no-cost, no-obligation meeting to discuss your needs, goals and current financial position.

Research and Planning

Our dedicated research team will undertake a detailed analysis of your current financial products, circumstances and model different options so that your adviser can make strategic recommendations that are backed up by data.

Preparation of a Statement of Advice (SoA)

Under the law, all advice must be formalised into a Statement of Advice that lays out our recommendations, our research and a detailed blueprint of your plans.

SoA presentation

Your adviser will take the time to talk you through each part of the plan and give you the opportunity to ask questions so you can feel confident you are making the right decisions.

Implementation of recommendations

We have a highly experienced team of administrators who can take care of the legwork for you. The team will process applications, establish accounts and facilities for you and make sure that each of the strategies you have chosen is put into action.

Ongoing support and services

As part of our commitment to exceptional service, we assist our clients on a continuing basis to manage their financial affairs, or manage your portfolio completely, depending on your desired level of service.

 

We provide advice around:

Improving Cash Flow

Anybody who is entering the market to invest in thinking of earning a good amount of money. A well-tailored financial structure improves your cash flow, allowing you to hold on to your investment in hard times.

Budgeting

While an income boost is generally welcome, you can be just as broke and in debt, whether you are earning $20,000 or $200,000 a year – it depends on how you spend and save your money. We can help you manage lifestyle inflation before it controls you.

Loan Structure

Having the right loan structure allows you to save years off your mortgage to build equity quicker, reduce risk and reach your goals earlier. In conjunction with our mortgage planners, we create strategies giving you control of your finances.

Market Risks

Ensure you don’t over commit yourself and borrow too much as Interest rates are variable and need to be taken into account. Your finance structure needs to allow for interest rate increases and allow for worst-case scenarios.

Personal Risk

We all want to provide the very best for our families, and declining health is the most significant quality-of-life risk faced by ageing Australians. It’s essential to have a cost-effective backup plan to maximise your cover without severely impacting your cash flow.

Risk Profiling

It’s important to assess your RISK tolerance to make sure your investment structure is in line with your Risk Profile. Using different systems, we will evaluate your Risk Profile to allow us to create a more informed investment decision.

Maximise Tax Benefits / Utilise your Tax Money

The Income Tax Act provides for exemptions or deductions of income based on the payments/expenditure you incur, as well as the savings/investments that you make. Our expert advice is tailored to your income.

Enduring Power Of Attorney / Will and Estate Planning

The main reason to plan your estate is to make sure that your money and assets are inherited by the people you want to receive them. It’s also important to make sure they attract as little tax as possible.

Research

We have a dedicated research team that will research your existing products and compare them with others. We always need to compare products before giving you any advice to make sure you do not lose any of your current benefits.

Annual Review

Reviewing your financial plan at least once a year can help ensure you're on track to reach your short and long-term financial goals.

Educational Workshops

We offer ongoing educational workshops that give you knowledge and power; all of which aim at always putting you in control. Our financial education workshops provide you with a PLAN to roadmap your financial future and give you the direction to choose the best path for YOU and YOUR Life.

Your Questions, Answered

As a Financial Planners we can provide answers to all your financial planning questions on a range of financial planning matters.

 

Call us today on 1300 707 955

or SEND US AND EMAIL

Testimonial
“The staff are very friendly and genuinely wish to provide us with the very best solutions to our financial position. They are honest and realistic and provide hope in areas where finances are strained. l feel well taken care of and able to get assistance whenever l need it. l feel like we are all part of a team working towards a good result for all of us. l greatly appreciate the extra effort they undertake to put us in contact with the right people for our circumstances. The financial plan for the future has resulted in a way forward, a feeling of being able to succeed and securing a stable future for our family. l also appreciated the Christmas card with movies tickets ! Thank you.”
– 2016 CoreData Survey

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