Based on each client’s individual needs, we help them to develop and implement a comprehensive advice plan that focuses on the following critical areas:

Wealth creation:

setting short and long term goals to create wealth and reviewing performance at regular intervals.

Investments:

researching and providing recommendations covering a variety of investment alternatives such as shares, managed funds, master trusts, fixed interest products, hedge funds and property.

Investment structure:

identifying the right structures and entities to protect and grow your investments.

Taxation:

working with your accountant or taxation adviser to maximise use of your earned dollar and after tax returns on your investments.

Superannuation:

providing specialist and personalised tax effective superannuation advice including self managed superannuation, retirement incomes, strategies to maximise your retirement benefi ts and maintain your lifestyle objectives. We keep you informed of ever changing legislation relating to superannuation and how we can attribute new legislation to your benefit.

Centrelink:

for clients who may be eligible, we again provide specialist advice and assistance with the calculation of eligibility and strategies to maximise Centrelink benefits.

Cash flow management:

monitoring your monthly expenditure and planning for major expenses such as renovations, cars, travel and children’s education.We also monitor existing investment portfolios and re-balance excess cash to other investment assets such as shares, property and bonds.

Debt management:

examining the tax deductibility of your debt, its cost effectiveness and interest rates and recommending restructuring and gearing strategies to create wealth.Where required, we can provide you with access to competitive home and investment lending arrangements.

Risk management:

identifying appropriate insurance cover to protect your financial plan including income protection, trauma, term life and disability insurance. Identifying the right structures to hold your policies such as superannuation which assists with cash flow and maximising tax deductions.

Estate Planning:

we can provide access or we can work with your legal adviser to establish a suitable estate plan including wills, powers of attorney, taxation management, discretionary and testamentary trusts.