WE FOCUS
ON MORE
THAN JUST
YOUR WEALTH

We focus on more than just your wealth.
We are interested in you, your goals and the way you see your future. We will spend time with you to deeply understand your values and priorities as well as what keeps you awake at night.

“We always do the right thing in the best interest of our clients.”

EXPERTS IN

WEALTH
CREATION

What type of life do you want for you and your family?
Your adviser will ask this simple starting question early on, to work out the wealth you need to build.
In developing your personalised wealth creation strategy, the typical starting points include:

  • Optimising your salary package
  • Clearing personal debts ASAP
  • Investing your savings astutely
  • Minimizing tax

There’s no pre-defined list of services or conflicts of interest. Our sole focus is in researching the most suitable, tax-efficient investment options to start growing your money.
As your wealth plan takes shape according to your appetite for risk, we’ll look at your longer term goals too: perhaps your priority is supporting your children’s or grandchildren’s education, upgrading your home, or your own retirement?
We’ll help you plan for these and make smarter financial decisions – whatever life throws at you along the way. Typically, this will include:

  • Cash-flow modelling & debt management (including gearing)
  • Up-to-date investment advice (including shares, managed funds, margin loans & short-term money market recommendations)
  • Superannuation, SMSFs & retirement planning

And we’ll stay by your side whether times are rough or it’s plain sailing, helping you review and adjust your portfolio accordingly.


WEALTH
PROTECTION

The more you grow your wealth, the more you need to protect it. Personal and business insurance are often essential requirements…

Personal Insurance

Despite most people not thinking twice about insuring their home or car, they don’t insure their most important asset – themselves.
What happens if injury, illness, disability or death strikes? How will your family cope without your income? Medical costs and daily expenses rapidly add up and eat into savings or home equity. The impact can be devastating not only on an emotional level – but on a financial level too.
Typically, we’ll take you through the following options, depending on your personal situation:

  • Income Protection Insurance
  • Critical Illness or Trauma cover
  • Total and Permanent Disability cover
  • Life Insurance

Your adviser will assist in all aspects of managing insurance – from application to making a claim.

Business Insurance

What happens if injury, illness, or death strikes a key member of your business?
Without appropriate insurance and buy/sell agreements in place, the loss of a business partner or key employee can lead to loss of revenue and, in the worst cases, business closure.
You should be considering protecting your business with:

  • Key person insurance – for anyone whose knowledge, work or contribution is crucial to your business (owner, partner, key salesperson, etc.)
  • Buy/sell agreements – like a ‘will’ for your business, detailing the transfer of the departing owner’s interest (shares?) in the business to surviving owners in the event of major illness, injury or death

Ensure the survival and longevity of your business by talking to an adviser…


WEALTH
PRESERVATION

When someone passes away it can take months or even years for an estate to be distributed. We’ve seen how this can lead to friction amongst family members at a very emotional time.
Safeguarding the wealth that you’ve built over your lifetime and ensuring that is transferred smoothly, according to your wishes, requires careful estate planning.
It involves more than creating a will. Some areas aren’t covered by a will, such as superannuation savings. And did you know that some of your wishes can take effect while you are still around?
The decisions you make now will affect your family’s future. It’s important to get them right.


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