Our Services

Whether you are a single person or have a large family, you share a number of things in common:

• A defined income within which you are required to meet your living needs and fund the things you "want";
• Competing items for your Cashflow which need to be planned for into the future;
• Assets that you have or wish to accumulate that will help keep you secure in the future;
• Unless you are lucky, some debt which you use to help you accumulate those assets along the way.

Our services to you will help you formulate realistic objectives and time frames to:

• Build your asset position;
• Reduce debt;
• Manage your cashflow;
• Structure your affairs in a tax efficient manner;
• Protect you and your family from risk;
• Provide certainty for your Estate and your beneficiaries.

Our services to you as a Business Owner recognises that you have a significant portion of your current and future net worth tied up in your business. Our services help you:

• Identify how you can achieve your personal objectives without compromising your business objectives;
• Ensure your structure is appropriate to manage taxation, stamp duty and outside risks that may financially impact you in the future;
• Balance your asset position so that you accumulate wealth outside of the business rather than having it all tied up within the business;
• Provide advice to ensure that key personnel are insured in order to limit the financial impact to the business in the event of something occurring that affected their health and wellbeing;
• Provide advice to ensure that succession planning is facilitated in a tax effective and legally certain manner, while also ensuring that the funding mechanisms are in place to facilitate transfer of ownership.
• Corporate Superannuation Plans to assist you in providing a top class superannuation package to your employees as part of your overall retention strategy.

The success of one generation can provide a challenge in terms of whether the wealth that is accumulated is passed on to succeeding generations. You may be concerned to see that:

• The wealth you have accumulated is not squandered by future generations;
• Wealth is evenly distributed amongst your beneficiaries;
• Funds are applied for certain philanthropic disciplines or organisations important to you;
• Funds be invested under appropriate stewardship to provide future generations with an income stream;
• Wealth is distributed in a manner that ensures that beneficiaries learn the value of money and certain life skills.
• Your family has a cohesive financial plan and adviser that looks after your entire family.

We provide a specialised service catering to family groups with combined net wealth of in excess of $5 million.

Executives can often have a unique set of planning requirements that require particular expertise to ensure that they maximise their financial position. Our services will help you to:

• Compare the financial impact of alternate employment offers;
• Provide advice on packaging options within your remuneration package;
• Provide specific advice on equity based employment incentives such as Employee Share and Option schemes;
• Review the potential financial impact of contract severance, bona-fide redundancy or ex-gratia payments;
• Provision of Managed Discretionary Account Services, particularly where you have statutory restrictions on your investment abilities (such as directors of publicly listed companies, government ministers and executive officers).

Whether you are coming in to Australia on assignment or by emigration or have been posted from Australia to another jurisdiction, it is extremely important that you have the right advice to maximise your position. We can provide you access to the best taxation advice which can be complimented with our Financial Planning services so that you can meet your objectives and maximise your financial position. Our services will provide you with:

• An understanding of the Australian Taxation and Financial System if you are new to Australia and the development of an appropriate Financial Plan to meet your objectives;
• A review of the benefits of residency vs non residency (for tax purposes) if you are to be posted overseas and provision of advice on how to meet the requirements to be assessed as a non-resident under Australian taxation legislation.
• Advice on the transfer of Overseas Pension benefits to Australia;
• Investment services to non-residents which take advantage of the attractive taxation concessions for certain types of investments.

Your decision to retire is one of the most important decisions you will make in your life. Unless you have a clear plan to meet your desired after tax expenditure level, this will be a decision that could cause you considerable stress � and leaving your planning too late could mean that you may need to work longer than you planned to. Our experienced advisers will help you to:

• Establish what your desired after tax expenditure levels are and formulate clear objectives and a timeline for your retirement;
• Establish a strategy that can put you in a position to retire at an age you desire, while leaving you the flexibility to work if this is what you desire;
• Minimise the taxation impact on your funds at retirement;
• Appropriately structure your investments so that your funds generate sufficient cashflow to ensure you meet your after tax expense requirement through all investment markets (remember markets go down as well as up � our portfolios are structured so that you don�t have to sell good assets during the down times).
• Cost effective administration to ensure that you are free to enjoy your retirement.

An increasing number of companies are incorporating our services into their offering for staff to aid:

• Retention;
• Financial Literacy
• Protection for their families

We provide the following services for our corporate clients:

• Site visits for a flat daily fee to provide strategy consultations for employees;
• Financial Planning for staff entering forced or voluntary redundancy;
• Group Life and Key Person Life Insurance plans
• Staff Superannuation Plan reviews
• Financial literacy presentations

Contact us for more information or to arrange a time to meet with a Consultant.

Certain clients have special investment needs that can be met by our Managed Discretionary Account Service. Through this service, clients provide us with discretion on investment choice within an agreed investment mandate that is established at the inception of the portfolio. A rigorous risk profiling process is mandatory for all clients seeking this service.

Examples of clients where this service may be of benefit are:

• Expatriates or people who travel regularly and who are difficult to contact;
• Executives who are time poor or who have specific limitations under their contract of employment (such as senior executives or directors of publicly listed companies);
• Members of Parliament;
• Charities, Trusts managing in excess of $10 million.

An increasing number of affluent clients are establishing Philanthropic Trusts (Trusts established for the sole purpose of charitable donations) which have deductible gift recipient status. The purpose of these trusts is to allocate capital now for investment on behalf of those charities or causes they wish to support, now and in to the future.

We can provide assistance in the establishment of such a structure and the ongoing investment of funds in line with the objectives set for the Trust.