Our services cover 4 main areas. You may choose services from one or more areas. For an idea on fees, see our "Financial Services Guides".

Looking at these in turn.

Strategic Advice

This is in many ways the most important part of our job, and involves working with our clients to help them achieve the best lifestyle possible, given their goals and available financial resources.

The best solution will vary from person to person, but will take account of such things as:

• Your income
• Your cost of living
• Your debts
• Your assets
• Your age
• Your family situation
• Your risk profile
• Your goals and objectives
• Your tax position

And some examples of strategic solutions would be:

• Arrange finances to maximise your total Retirement Income over the long term, while managing investment risk, maximising age pension (if applicable) and reducing taxation.
• Arrange your finances to boost your retirement capital (both superannuation and other)
• Help reduce your mortgage
• Organise insurances (death; disability; income protection; trauma) to protect against disasters.

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Investment Advice & Product Selection

We are able to advise on a wide range of investments such as direct shares, managed funds (e.g. Australian and overseas shares, cash, fixed interest) superannuation (wrap; master funds; self managed), pensions and insurance (annuities, life, disability, trauma and income).

In all cases, we take a portfolio approach to investing.  This recognises that investing always involves risk as well as return and the best way to control this is by an appropriately diversified portfolio.

In all cases, portfolios are recommended after in depth discussion with clients and are constructed to take account of your individual goals, circumstances and risk appetite.  Nothing is done (initially or later) without your approval and we welcome open discussion about recommended investments.

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Insurance Advice & Product Selection

We take into account your existing insurance cover, which may be either inside or outside of superannuation and your own unique personal situation i.e. debt levels, income sources, occupation, health and access to reserves (cash or leave accruals) etc.

In all cases, we assess not only the level of cover that may be required but also the various terms of contract that would suit you best should you need to make a claim. We help our clients understand the myriad of insurance definitions and product providers to ensure their wealth creation has the appropriate wealth protection.

For information on the various risk cover available  click here 

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Review

Timely reviews help to keep plans on track, and adjust to changes in areas such as legislation  (such as tax and Centrelink), markets, or products.

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Administration

The degree of administration of investment plans varies greatly, but in some areas (e.g. self managed superannuation, deceased estates), the degree of administration can be considerable.

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