Our Advice

Financial Planning & Strategic Services

  • Strategic Advice and Tax Effective Advice

  • Wealth Creation and Wealth Building Investment Advice

    • Inheritance and Estate Planning Investment Advice

    • Superannuation and SMSF Advice

    • Retirement Planning and Aged Care

    • Cash-flow Modelling and Spending Plans

    • Debt Management

  • Risk Strategies

  • Introduction to other professionals and specialists as required - Aged Care Special Officer, Accountants, Lawyers

  • Lending Solutions

 
 

Strategic Advice

What is it?

  • helps you make smart decisions in order to reach your goals

  • is product neutral

  • needs to be monitored - it is absolutely vital to keep cashflow on track

  • identifies the quiet achievers of net wealth — surplus income, compounding and time

  • pinpoints the silent assassins of net wealth —lifestyle debt, taxes and lack of monitoring

A good company doesn’t just look at profit, it keeps a close eye on both revenue and expenses.

Our Step-By-Step Process

  • Getting this right is critical:

    • Discovering what drives you

    • Exploring differences with your partner

  • Analysing your current situation and identifying potential changes in the future, to ensure you can maximise your opportunities.

    • Undertaking the assessment of various financial scenarios

    • Working together in order to agree upon the best way to use your income, assets and debt to maximise your potential to achieve your goals

    • Identification of risks

    • Discussion of your options and determining what risks you feel comfortable with

  • Maximises the prospect of reaching your goals and living your best life.

    Since life is full of changes, we ensure regular progress checks and adjust your plan as needed.

We use cutting edge technology:

  • to help you visualise the outcome of different decisions

  • to help you understand the impact of both large and small decisions on your goals

  • to help you monitor your progress and identify when you are off target

    We use mobile applications to make your life simple.

 
 
 

Understanding You And Your Business

The foundation to protection your wealth is to understand you and all your goals, current and future:

  • Personal - your own personal goals, family, lifestyle and retirement goals.

  • Business - goals, risks and succession plans.

This is an ongoing process. Your personal and business circumstances can change. Your health, lifestyle, past-times and preferences are constantly evolving.  

 
“Before everything else, getting ready is the secret of success.”
— Henry Ford
 
 

Do you want the guidance of an experienced, caring professional?

Our management strategies can help you to:

  • build wealth
  • manage your existing wealth
  • spend and invest wisely
  • decrease stress and increase wellbeing
  • hand over your investment management so you can concentrate on what you do best

We can provide expert advice on:

  • complex financial needs
  • where to start with financial concerns and goals
  • maintaining your current lifestyle in retirement
  • the best strategy for you regarding an inheritance
  • discussions with loved ones regarding your priorities in the event of death

Wealth

Management Strategies

  • Wealth Creation & Wealth Building

  • Inheritance and Estate Planning Investment

  • Superannuation and SMSF 

    • Rollover or Combine funds

    • Find Superannuation

  • Retirement Planning and Aged Care

  • Cashflow Modelling and Budgeting

  • Debt Management 






 

Insurance

Risk Strategies

  • Income Replacement    

  • Life and Disability Cover

  • Critical Illness/Trauma Cover

  • Business Protection Insurance

  • Business Owners Insurance - Buy/Sell

  • Key Person

  • Business Expenses

The insurance industry is constantly changing, including responding to developments in the medical profession, changes in client preferences, tax and superannuation legislation; and enhancements in compliance requirements. These changes impact the types of cover, definitions, benefits and claimable events. Ongoing reviews are therefore vital to ensure your Wealth Protection portfolio is up-to-date and meets with your progressing needs.

Individually Tailored Wealth Protection Portfolios

Personal and Business Insurance is structured to meet your individual needs. This process involves: 

  • Assessment of insurance requirements and alternative risk reduction strategies

  • Types and levels of cover

  • Options and Benefits

  • Ownership structures

  • Tax considerations

  • Beneficiary nominations

  • Liaising with your professional advisers, accountant or lawyer

Insurer Market Research

Market knowledge of insurers is continually being monitored and reviewed, including staying abreast of potential factors affecting the insurance industry.

Underwriting Negotiation And Pre-Assessment

The development of key relationships with underwriters is essential to obtaining terms and conditions that take into consideration each clients' specific circumstances, both health and financial.

Pre-assessments may be undertaken, prior to the initial selection of an insurer, to obtain indicative terms resulting in the sourcing of the most advantageous terms for our clients.

Liaising With Your Professional Advisers

We work together with your advisers to ensure you obtain the most appropriate insurance portfolio solution for your own particular needs.

This also enables us to maximise the efficiency of our process and your time by liaising directly with your advisers.

Maintaining a personal relationship with you, your family, your business associates and professional advisers 

Personalised Claims Management

Maintaining a personal relationship with you, your family, your business associates and professional advisers, enables us to assist you and manage the entire claims process for you at a time that is very stressful.  

We are your advocate and do not work for your insurer.  Our primary goal is to ensure you obtain your claim proceeds as quickly as possible and that you receive all your entitlements.

Our ongoing relationship with your insurer is essential to achieving a smooth and timely payment of your claim.