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Creating wealth through effective investment strategies that will
deliver your lifestyle aspirations is our goal. We will work with you
to deliver a financial solution that is adaptable and flexible to suit
your changing life cycles. Contact us to make an appointment to discuss
the best financial solution for you. We can help you with:
Personal and Employer Superannuation
Personal Superannuation
The superannuation environment is complex due to ever changing
legislation and yet it is critical to ensure that we have strategies in
place to fund a comfortable lifestyle in retirement. With careful
planning and review, there are opportunities to create wealth for
retirement through simple strategies that are tax effective. We are
experts in the superannuation environment and can help you take control
of your superannuation.
Superannuation is an investment structure that provides concessional
tax rates to encourage saving for the provision of your income needs in
retirement. Typical characteristics of superannuation investments are
that your money is not accessible prior to retirement and earnings from
these investments are taxed at a maximum rate of 15%.
We can provide help with:
- Spouse contributions
- Undeducted contributions
- Managing your annual bonus more tax effective through superannuation
- Salary sacrifice
- Superannuation co-contribution
- Re-contribution strategies
- Superannuation choice
Employer Superannuation
Do you understand your superannuation obligations in your role as ‘employer’?
Whether you need help understanding your own personal superannuation
or your obligations in your role as an employer, we have the tools and
strategies for employers that will make it easy for you to meet your
superannuation obligations with the added benefits of flexibility,
compliance and better service that will demystify superannuation choice
legislation.
We also have solutions for your employees on superannuation choice
and can offer additional benefits of retirement planning, education and
tax effective strategies. ^
Investment Portfolio Construction and Review
Whether
it is managed investments, direct shares, hedging, gearing or property
market, we can help you put together an investment portfolio that best
suits your investor profile. We have the solutions and expertise to
provide advice across all investment categories - contact us to make an
appointment to see a financial adviser. ^
Managed Investments
Managed
investments are where you pool your capital with the capital of many
other investors in a unit trust. Pooling your monies with many other
investors means that the fund manager who invests the combined capital
on behalf of you and the other investors has greater buying power. This
buying power in turn enables to you to take advantage of investment
opportunities otherwise unavailable to you, specifically by increasing
the number and type of assets you invest in. When you invest you are
issued with a number of units based on the current unit price and the
amount you invest. The total capital of the managed investment is
invested in accordance with the fund manager's research. ^
Property
Direct
property simply refers to the ownership of physical land and buildings.
Historically, direct property ownership has been a favoured investment
vehicle due to it being tangible in nature. Direct property investment
can be in real estate in residential, commercial, retail, industrial
and rural assets.
Factors you should consider when considering property investment are:
- your ability to service the debt
- your future financial flexibility
- retirement considerations if applicable
- tax benefits
- low vacancy rate in the area
- potential for high capital growth
- depreciation and building write off allowances
- right location ^
Budgeting
Many
of us believe that we are effectively managing our money and it is not
until we meet with a financial adviser and review our budgeting
strategy that we understand where the gaps are. We will review your
budgeting strategy either separately or as part of your financial plan.
Contact us to make an appointment to see a financial adviser. ^
Cash Flow Planning
Cash
flow planning sounds simple yet it is often an area that lets us down.
Understanding your cash inflows and outflows and making contingency
arrangements for that 'rainy day' are critical both from a personal and
business perspective. We can help you review your cash flow planning
and provide advice and guidance on the strategy that best suits your
needs, contact us to make an appointment to see a financial adviser. ^
Debt Management
Debt
management and smart financing strategies are key before assets and
investments can be acquired with any degree of confidence. Successful
debt management and implementation can have a significant effect on
improving the bottom line and the overall performance of your wealth
creation. We can help you establish a cost and tax effective debt
structure. ^
Investments
What type of investor are you? Are your investments creating wealth for you?
Are
you a conservative investor who opts for security like a term deposit
or guaranteed capital return and accepts lower returns; OR a balanced
investor who is prepared to take a little risk and spread their
investments across several asset classes for the potential of a higher
return; OR a risk taker, who knows that there are highs and lows with
investing and has a active financial portfolio spread across a number
of asset classes with a higher risk exposure knowing that the potential
return will be a greater return over the long term.
Around 80%
of your investment return comes from your risk profile, as this
determines your Asset Allocation. Therefore this step is critical to
ensure you are comfortable with your risk to return trade off.
Identifying your risk profile and providing financial advice on investments is our forte. Contact us to make an appointment. ^
Direct Share Portfolios
Do
you need help in creating a direct share portfolio? Do you understand
the jargon of direct shares ie blue chips, speculative, high risk,
yield, PE ratios etc?
Direct shares are investments where
you have equity (part ownership) in a company listed on the Australian
Stock Exchange. You purchase rights to participate in the growth and
profitability of a company and as a result receive dividends, voting
and other rights. Returns on the investment are in the form of
increases in the share price, known as capital growth and income in the
form of dividends. The volatility of shares (up and down movement in
the share price) over the short term creates the belief that shares are
risky investments. As such the value of a share can change daily.
However, shares have historically outperformed other assets classes
over the long term and can provide a growing income stream.
We
can build a direct share portfolio based on our analysis of your
profile and help you to demystify the share market. Contact us to make
an appointment if you are keen to access the share market and we will
provide advice that will help you to take control of your share
portfolio. ^
Capital protected loans
What
are the advantages and disadvantages of capital protected loans? When
would you most likely consider a capital protected loans?
We can help you set up a capital protected loan - if it is the best option for your investment strategy. ^
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