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We are a “full-service” financial management firm. Our advisors act as Personal Financial Managers for our client. We provide or facilitate a comprehensive set of financial services either directly or by coordinating partners in our network of service providers.
In effect we play a role of management and quality control by supervising various specialists and service providers to ensure that critical items don’t “fall through the cracks”.
We can incorporate clients’ existing service providers in our service model. However service providers outside of our network are unlikely to be as efficient in their interaction with our strategic advisers. This is due to the extensive efforts made by the various service partners in our network to collaborate in devising strategies, refining processes and consolidating information and resources in order to deliver great efficiencies and improved quality of service.
| COMPREHENSIVE & CONVENIENT |
The scope of services includes, but is not limited to:
- Home Mortgages and Investment Loans
- Investment planning and strategies
- Tax-effective investment advice
- Detailed Performance & Tax Reporting
- Superannuation & Retirement Planning
- Remuneration Planning
- Social Security Planning
- Estate Planning
In addition to those licensed services we can coordinate activities with your existing service providers, or refer you within our network for:
- Insurance - life, disability, trauma, income.
- Accounting, bookkeeping and taxation.
- Solicitors - preparation of wills, powers of attorney, trust deeds and sundry legal services.
Unlimited choice of investments – our licence allows us to offer a comprehensive set of products. Unlike many platforms and master trusts, we have no arbitrary limits on the type, or number of products you can select.
While some financial service providers are focussed on selling particular products in order to maximise their commissions, we won’t just sell you products. We listen to your ideas, concerns and requests, consider appropriate alternatives and offer advice.
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| It’s your money. Our mission is to help you to manage it wisely. |
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| OBJECTIVE |
| We are NOT a subsidiary of any financial institution, bank, insurer, stockbroker or fund manager. Nor are we a shopfront for any such institution. Our ownership structure and formal standards ensure that product issuers and institutions don’t influence our recommendations. This places us in the category that a recent ASIC survey recognised as the best advisory performers.[1] |
| PROFESSIONAL |
Our advisors have broad business experience, giving them a unique ability to see the “bigger picture” and better understand your specific needs. That experience includes retail banking, accounting, stockbroking, taxation planning, superannuation, funds management, small business management and management consulting.
Having specific accreditations such as CPA (Certified Practicing Accountants), Tax Agent and MFAA Mortgage Consultants allows direct provision of more services by the key members of our team than most financial planners or accountants can provide.
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| PERSONAL, CLEAR & SIMPLE |
Our phones are answered by PEOPLE equipped to help you. We don’t believe valued clients should quote account numbers, listen to impersonal recorded messages, or select from robotic menus.
Where possible, we avoid the use of jargon and technical terms to provide advice that is easily understood and makes clear sense to you.
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| AFFORDABLE |
Slashing “Hidden” Fees
We encourage you to compare our fees and services with other providers. Our fees are simple and fully disclosed. Where possible we rebate all up-front advisor commissions so you clearly see all costs.
The fee structure is intended to maximise value and minimise the after-tax cost for our clients.
The cost components that the tax office would “capitalise” and force a client to depreciate over time are minimised in favour of periodic subscription fees that clients can claim as deductible expenses within the tax year in which they are incurred. Thus providing clients with an immediate tax benefit.
We’ve formulated a hybrid fee system based upon the scale of a client’s total investment. This scale takes account of the value of the service and affordability for respective clients and ensures that each advisor clearly earns their income by servicing your needs, rather than product vendors’ interests.
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| LASTING VALUE |
Your advisor devises strategies and coordinates those strategies with the various network affiliates and any of your existing service providers (accountants, solicitors, banks, insurers etc.).
Together with our network affiliates, we continually strive to promote genuine service efficiency, quality improvements and cost savings. We pass the savings and benefits on to our clients.
Our affiliation with our service partners is an active collaboration aimed at providing benefits to all parties in the form of service quality, proactive management and economic savings.
Having a qualified financial advisor as your Personal Financial Manager reduces the chances of items being “lost in translation” and saves you repeating the same information to various service providers.
Ultimately, that saves you time and money.
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Comprehensive Financial Plan
Some financial planners limit their advice due to restricted qualifications or accreditation. For example, only registered tax agents may legally offer specific tax advice. Our Comprehensive Financial Plan undergoes a review by a registered tax agent to identify opportunities to minimise tax, including:
- Remuneration Planning (eg. salary packaging)
- Loan Consolidation to reduce debts & interest
- Tax-effect of structures and investments
- Superannuation & Retirement Planning
- Social Security Planning
- Estate Planning
- Risk Management & Insurance
Recommendations are based on the opinions of a panel of Australia’s leading stockbroking firms and research analysts. We also provide clients access to discounted publications, seminars and educational materials.
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Administration & Consolidated Reporting
While many advisors charge additional “platform” or “master trust” fees of up to 1.5%, our subscription fee includes such services at no extra cost; including:
- Preparing, collating and filing all your investment paperwork for you.
- Consolidated investment performance & tax reports (Capital Gains & Income).
- Coordination and/or liaison with accountants, or tax agents for end-of-year returns.
- Secure, Internet access to your investment details, 24 hours a day, 7 days a week.
Most financial planners only report on the investments that you have lodged directly with them, or for which they receive commissions. This service extends beyond those conventional limits*.
By providing all of these facilities and services within our consolidated package we save you gathering reports and statements from multiple sources to prepare for tax returns and finance applications. This helps you to reduce both the hassle and cost of financial management.
Having your financial details centrally recorded means that you’ll no longer repeat that information to your tax agent, accountant, bank manager, financial advisors, solicitor and the government. We provide one set of reports that can satisfy all of those requirements and work with those various specialists to schedule the related activities.
*This service requires all account statements and financial transaction documents to be directed to your advisor for recording. Your advisor will gladly explain how this service operates and the potential benefits.
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[1] Source: The Australian Securities and Investments Commission (ASIC) and the Australian Consumers' Association (ACA) joint survey of the quality of advice provided by financial advisors, Tuesday 11 February 2003.
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