Financial Planning

Financial planning is the process of meeting your life goals through the proper management of your finances. Your financial independence and future quality of life are vital issues that should not be left to chance. We understand this and can help you secure your future by providing tailored financial strategies designed to create and preserve wealth.

But how do you set up your affairs to generate an income that is easy to manage, easy to understand, tax effective, grows with inflation, and hopefully never runs out?

There is no one strategy or product that does it all for all people, each set of circumstances are different. However a combination of strategies and structures can optimize the income flow and minimise your tax.

We consider the following options as part of the structuring and management of your assets and future an income stream:

• The tax entity - as an individual,(income splitting), a company, family trust, superannuation and/or pension structure
• The platform - self managed, retail, wholesale, wrap accounts or master funds
• The products
• Hybrid fixed interest - preferential shares and debt instruments which can offer high tax paid (fully franked) income streams
• Infrastructure trusts - defensive investments offering high yield and tax free components
• Listed property trusts - defensive investments offering high yields with tax free and tax deferred components
• Warrants - a new type of investment which offer very attractive tax paid yields in most cases and an ideal investment for Self Managed Superannuation and Allocated Pension Funds. For more about Warrants visit Macquarie Bank
• Local and international unit trusts
• Resource and industrial direct shares
• Direct residential and industrial Property

Please contact us and arrange a meeting so we may assist you in creating a Financial Plan that suits your particular circumstances.