Our Services
We specialise in the areas where we can add the most value and have the most experience. If clients require specialist services, such as legal, insurance and stockbroking, we will work with appropriate specialists to achieve the best result.
We can refer you to an appropriate specialist, or work with your existing adviser.
Cash flow management
Cash flow is an integral part of any financial strategy and we work with you to ensure your cash flow is being used effectively, whether to build wealth or meet your lifestyle requirements. For some clients, this may mean using our Personal Bookkeeping Service to obtain greater control over your cashflow.
Debt management
Debt can either detract from wealth or assist in building wealth, depending on the type of debt and how it is managed. Looking at your lifestyle goals, we will work with you to ensure that any “bad” debt is reduced and “good” debt is managed effectively.
Remuneration planning
We will assess whether your remuneration is structured in the best manner to achieve your goals, taking into account your employer’s position, business structure and your personal financial goals.
Tax planning
Tax is a vital factor in your financial strategy, not only to ensure any tax liability on your employment or business income is reduced, but also to ensure any tax is minimised on your investment return. In advising on your tax planning strategy, we can work with your current tax adviser to ensure that your tax strategy is co-ordinated with your accountant.
Superannuation
Superannuation can be an effective wealth-accumulation strategy, with varying importance based on age. We will work with you to determine how your superannuation strategy is managed with your goals and objectives.
Retirement planning
Planning for retirement can be complex to achieve the best result for maximising wealth and after-tax income. We work with you to ensure the most appropriate type of income is implemented for your situation, both as you transition to retirement or if you have already retired.
Investment strategy
Considering the after-tax results is critical in managing an investment portfolio. We will advise on your investment options and provide specific investment recommendations, taking into account your existing portfolio and your objectives. Investment portfolios are created so they can cater for your changing lifestyle patterns, allowing for flexibility should you need access to your investments.
Risk management and insurance
It is not only important to build wealth, but also to protect your wealth in the event of an unforeseen occurrence. We work with you to identify any potential risks, and manage these on an ongoing basis, either using insurance or understanding the impact on your position should you decide to self-insure .
Estate planning
Passing wealth onto the next generation in a tax-efficient and responsible manner is an important consideration in your financial strategy. We work with you and your solicitor to ensure your estate will be distributed according to your wishes.
We provide comprehensive advice relating to: