Wealth Management - everything starts with a plan
Wealth management means different things to different people. Weather you are an accumulator and need help developing a strategy around cash flow and budgeting, reducing debt, protecting your lifestyle and building net assets, or at the opposite end of the scale and wish to protect and grow what you have already built, we can help you in your unique situation.
Your Wealth Management Plan is designed to identify the issues that prohibit the achievement of your stated goals and provide a solution to address these and the recommended steps required to ensure that you have the highest probability of achieving what is important to you.
Your Wealth Management Plan will address key areas such as:
Superannuation
Savings Plans
Cash Flow and Budgeting
Portfolio Construction
Structuring
Estate Planning
Wealth management means different things to different people. Weather you are an accumulator and need help developing a strategy around cash flow and budgeting, reducing debt, protecting your lifestyle and building net assets, or at the opposite end of the scale and wish to protect and grow what you have already built, we can help you in your unique situation.
Your Wealth Management Plan is designed to identify the issues that prohibit the achievement of your stated goals and provide a solution to address these and the recommended steps required to ensure that you have the highest probability of achieving what is important to you.
Your Wealth Management Plan will address key areas such as:
Superannuation
- Are your investments allocated correctly and in line with your risk tolerance (ie which investments are suitable)
- How much is enough and will you have enough within your stated time frame to fund your financial independence target?
- Contribution and savings strategies to ensure that you are on track to achieve your target goal within the target date
- Maximizing contribution rules and superannuation concessions
Savings Plans
- Determining surplus cash flow to build up investments inside or outside super (as appropriate) and recommending appropriate investments
Cash Flow and Budgeting
- Developing a system of regular savings; and
- Recording and tracking of monthly cash flow to determine savings capacity, areas of spending and monthly savings amounts that can be used to maximize your position
Portfolio Construction
- Developing a suitable, low cost, diversified portfolio in accordance with your tolerance to risk. This involves recommending suitable assets and investments to construct an investment portfolio (inside and outside super) in line with our model portfolios.
Structuring
- Often, too much attention is given to returns of a portfolio, when in fact other issues such as allocating to the various tax structures (ie personal names, Family Trust, Super, Company ect) can provide benefits that flow through generations. Part of our process involves firstly determining the structure which will provide the greatest benefit or reviewing existing structures to minimize unnecessary costs.
Estate Planning
- Ensuring estate plans are in place and up to date. Often, this can leave a mess for family members to deal with at a time of significant stress
This website contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information.