Is this YOU..?
Not sure if you will have enough funds to retire on and want to see how you are tracking?
Want to make BETTER use of your income and finding it hard to get ahead?
Want to know the quickest strategy to pay off your mortgage?
​​Want to FEEL financially organised?
Want to deal with one firm that understands you and can guide you on all aspects?
Want to build your wealth the most effective way possible?
What to expect from us...

As a Financial Adviser firm here in Perth WA, we have helped many clients reach their goals and/or assisted them at a time of need.

Our Financial Advisers cover all areas of your financial situation. We dont just provide advice around Superannuation and Retirement Planning, we also offer advice around Income Protection, Life Insurance and Trauma insurance, strategy advice around investments and can provide you with a debt reduction strategy to clear your mortgage as quickly as possible.

What many people don't realise is that all facets relate to one another. That's why we have adapted the finanical wheel for our clients. Not all areas will be relevant to you and you dont have to take all sections, but it is important to understand that they all relate to each other and the offer of this service is there.

We focus on strategy first and then work with your around how we are going to implement the advice. What we like about the approach is that it allows you to control your destination, we just help navigate you there.

We offer an hour of our time for new clients at no charge. This gives us both an opportunity to see if we can be of any assistance and if you want to work with us.

Here is a list of some of our Services: 

  1. Retirement Planning
  2. Superannuation advice
  3. Retrenchment & redundancy advice
  4. Investment advice
  5. Life insurance advice
  6. Income Protection advice
  7. Strategy only advice
  8. Debt Management advice
  9. Cashflow advice

Here are some services that we offer from our office but are outsourced to a reliable and qualified Mortgage Broker - Darren Joseph who is the director of www.investmentloanswa.com.au:

  1. Home loans
  2. Investment loans
  3. SMSF loans
  4. Debt consolidation loans
  5. Refinance loans
  6. Personal loans
  7. Car loans

We can also refer to you a trusted Lawyer external from this office for:

  1. Wills
  2. Enduring Power of Attorney
  3. Estate Planning 

Choice of Services...depending on your needs​​
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MAKING IT

Your income plan determines strategies to improve your cashflow through a combination of tax effective strategies and the efficient use of your income. The resulting surplus funds are then used to create wealth.

What types of Income can be reviewed?
We can consider normal employment income, investment earnings, self employed income, dividend income and even income from Family Tax benefits and Centrelink income.

The main purpose of an Income Plan?
We need to make sure you income is stretched as far as possible and is working as hard as possible. We want to minimise the amount of time money is sitting idle.

What strategies are available to you?
We will look at Income Splitting, Salary Sacrificing, Negative Gearing, Salary Packaging, pre-paying expenses, Capital Gains or Capital Losses.  

Why is this important?
Your income is your source. Without it...all else fails. We need to make sure it is used wisely, actively and protect it. It is more valuable to you than any house or car you will ever own. We need to ensure we maximise the use of your personal income via an Income Plan.

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GROWING IT
Your investment plan explores the different options available to you and applies the income plan and debt plan analysis to help you meet or exceed your goals.

The types of Investment Plans available?
We will look at your short, medium and long term investment goals, They will be different for each individual. We will look at possible investment classes such as defensive assets, like Cash and Fixed interest. Or we could look at growth assets such as Shares and Property. Or a combination of both defensive and growth assets.

Who should own your Investments?
We will look at ownership of your investments. What is the better option considering your future plans, your estate and taxation minimisation.

The methods of investing options?
We can look at whether you make use of dollar cost averaging,  a savings plan or a gearing plan. Again we will look at what is right for you. 

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LEVERAGING IT

Your debt plan analyses your current debt structure, explores mortgage reduction strategies and determines the role debt can play in building your wealth.

Types of debts we can review?
We will look at your personal debts and any investment debt. We will look at what is currently secured by property and what is causing you to go backwards. We will look at credit cards, personal loans, home equity and home loan debt.

What options we will look at?
We will look at what options best suit you. Should you be paying off any of this debt, what order, should it be restructured. Are you using debt to your advantage and should be look at refinancing. Also, should you be looking at Fixed or Variable, Interest Only, maybe a Line of Credit and what is your Loan to Value Ratio.


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PROTECTING IT

Your risk plan analyses your financial needs in the event of a set back to your most important asset, your health. We seek to identify, and where possible, mitigate your exposure to financial stress in the case of inability to earn income. Getting the right level and type of insurance in place is critical to reducing your financial risk.

The type of Risks we look at?
There are two main types of risk - personal and investment. We will look at both. We will also assess what risks you are taking at the moment and how can we minimise future risks.

Income risk
Your ability to earn an income is your greatest asset. We can minimise the risk of losing that income and we will look at strategies to implement this. This often can be minimised through income protection and life insurance. 

Asset risk
We want to make sure your assets are covered so that you can sleep at night. We will also look at your Risk Profile, which gives us an indication around your investment understanding and what levels of risk you are comfortable with.  


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ENJOYING IT

Your retirement plan identifies your income needs in retirement and the level of assets required to provide this income. We work with you to achieve and sustain the lifestyle you desire.

What we look at
We look at your pre-retirement needs, what your needs will be at retiremenet and we can then determine if you will have enough assets at retirement. We can then formulate a strategy to help you achieve your retirement goals and timeframe.  

Assets
We will review you assets within your superannuation and what assets you have outside of your superannuation. And with the ever changing legislation, we will advise what you can and cannot contribute to superannuation. 

Options
We will look the availability of the Age Pension, what investments suit your profile and consider taxation implications.  


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PRESERVING IT

Your estate plan anticipates your wishes in the event of your death and determines a strategy to provide your family with funds in a tax effective manner and with asset protection a priority.

What we look at: 
We look at what you own, what you owe and what you control. We look at what you would like to achieve with your estate and guide you through what assets form part of your estate and what doesn't. 

Asset transfer: 
Assets will be transferred directly through your Will or through the ownership. Some assets do not form part of your Will and it is important to understand this.  

Other options: 
Power of Attorney may also be important for you during your lifetime as well as Power of Guardianship.