We provide advice over a range of various service areas,
as outlined below.
Advice and recommendations are provided
on a fee-for-service basis. Our policy is to rebate any upfront brokerage,
which can apply to some retail managed funds so that
entry fees are eliminated. We provide estimates
for any work to be completed prior to commencement.
Our integrity is our advertisement!
WEALTH CREATION
We can provide you with a range of strategies, which
could even begin with a flexible savings/investment plan.
Wealth creation involves the careful planning of investments
– usually over a long period of time so you can gain
income, asset appreciation and a quality lifestyle in
the years beyond retirement.
Your current financial position and the time frame for
which you are investing will determine the amount you
invest.
Generally, we believe a diversified investment portfolio,
with investment monies spread across the different “asset
classes” such as cash, fixed interest, property and shares
- to different degrees, provides the better long term
solutions to clients.
BACK TO TOP
RETIREMENT PLANNING
Careful planning is required to help you achieve your
desired retirement lifestyle.
We can help you put superannuation and non-superannuation
strategies into place over time, while assisting you with
the most appropriate income streams into semi-retirement
and retirement.
Our strategies also aim to maximise your Government entitlements
through Centrelink and Department of Veterans’ Affairs.
BACK TO TOP
MORTGAGE REDUCTION PROGRAMME
In 1994 we established our own mortgage reduction program
that we call The Efficient Mortgage Plan (Templan).
Templan is designed for you to be able to
repay your mortgage more quickly than the traditional home
loan. You then create real wealth by building up assets
outside the family home once the home loan has been repaid,
by continuing to use the discipline of your normal home
loan repayments.
We aim to help you find the optimal way to
achieve your goals by making the most effective use of
your budget.
So you don’t have to have money or extra income for us
to help you along the path of financial prosperity. Call
us to discuss your eligibility to participate in the Templan
programme.
BACK TO TOP
SUPERANNUATION
Superannuation is a proven tax-effective investment strategy,
and is an essential part of planning to provide your desired
income in retirement.
We can recommend various types of superannuation funds,
including Self-Managed Fund Superannuation Funds, depending
upon your requirements.
We can also assist with specific tax-effective
strategies such as “salary sacrifice”, while providing
the appropriate investment strategy advice for your superannuation.
BACK TO TOP
ACCESS TO PERSONAL INSURANCE
We believe personal insurance is a
key element of any financial plan. For example,
income protection protects the most important valuables
– you, your family and your ability to earn an income,
while life insurance can eliminate debts.
We can review your situation. Our
preferred brokers will then provide the appropriate
recommendations for your consideration.
BACK TO TOP
ACCESS TO MORTGAGE &
LENDING SERVICES
The days of simply going into the local branch of your
bank to arrange a loan are gone. Today there are a myriad
of loan products and it is nearly impossible for you to
know if the one you are arranging is the right one for
you.
Then there is also the problem of ensuring
that the structure you have in place is both tax efficient
and tax effective. One of the greatest problems we have,
is when a client has arranged a loan prior to seeking our
advice, only to find that what they now have is not exactly
what they require.
We specialise in ensuring the loan structure you need
is the one that you get, and we work closely with a firm
called BOSS Enterprises to source the product that suits
you. BOSS are loan aggregators with whom we have worked
closely since 2004. We ensure they source the best product
(from over 20 loan providers) to suit your requirements.
Loans can be for:
- Home purchase
- Investment property purchase
- Other investment purpose
- Our mortgage reduction program
- Personal loans
- Equipment and car finance
BACK
TO TOP
ESTATE PLANNING
Estate Planning is more than making
a Will. It involves
setting up your estate to ensure that your assets (such
as superannuation) are passed onto the right people, using
tax-effective measures.
It can also include Powers of Attorney and
Guardianship, which can allow other people (nominated by
you) to act for you (or your spouse) in the event you (or
your spouse) were injured or disabled, for example.
We generally provide recommendations for you to discuss
with your legal advisers.
BACK TO TOP
AGED CARE PLANNING
We can assist you (or your family) with advice
on Aged Care accommodation and the associated Centrelink
rules, where appropriate.
BACK
TO TOP
