With proper advice and tax planning your investments
will be positioned to achieve your goals effectively. We offer a
comprehensive service including:
Goal setting
At your first appointment we work through your short, medium and
long term goals. Once established we determine a dollar value.
Strategy development
We take the dollar value of your goals as a starting point and develop
a strategy aimed at achieving your goals by using your current and
future resources in the most effective way.
Portfolio assessment and research
After extensive research we select investments that are deemed most
appropriate for achieving your strategy outcome. Your financial
'blueprint' helps us determine which asset classes will be most
suitable and in what proportions.
Tax Planning
While tax shouldn't be the driver of a decision to select a particular
investment, it is an important strategy consideration. Effective
tax planning can substantially increase returns on your assets.
Superannuation
The tax concessions achieved through superannuation can be an important
contributor to the success of your strategy. By careful analysis
we will work with you to determine appropriate superannuation levels
and investment vehicles.
Cash Flow Analysis
This is viewed as a key component of your financial plan. Without
ensuring adequate cash flow you may be forced to sell assets in
an unfavourable market.
Eithical Investments
Our investment research extends to those investments regarded as
'ethical' as well as those that look to invest in companies that
contribute towards a sustainable future.
Risk Minimisation
We examine each aspect of risk as it relates to achievement of your
goals. Interest rate risk, market risk, portfolio risk, liquidity
risk, personal risk human and nature risk are examined and strategies
are recommended to either eliminate or reduce them.
Insurance
As a broker's representative we are able to examine the insurance
offers of a vast number of insurance companies and select the level
of cover and policies most appropriate to your needs.
Mortgage Finance
Professional Womens Mortgage Service, a sister company, is able to
organise mortgage finance in line with the interest
rate strategy we consider most appropriate in meeting your
objectives.
Direct Property Feasibility
We don't advise on specific properties, however, may recommend direct
property exposure as an asset class appropriate to achievement
of your goals.
Seminars
Our regular seminar programme is aimed at helping you make informed
choices about your finances. These include specialist guest speakers
from various areas within the financial services industry.
Regular reviews
We use your financial 'blueprint' as a benchmark to examine our
progress towards the achievement of your goals. As your circumstances
change it may be necessary to make changes to the 'blueprint' which
also warrants a change to the strategy. These changes are always
made with the 'big picture' in mind.
Margin Lending
Where margin lending is appropriate we are able to recommend a margin
lending provider as well as help you determine a level of margin
lending that suits you.
Direct Shares
Our investment research extends to analysis and, where appropriate,
recommendations on direct shares.
