Financial/Wealth planning is an ongoing process that assists you in establishing your financial and lifestyle goals and then helps you to achieve them by making optimum use of your financial resources.
Because everyone has different investment and lifestyle needs, you need to have your own specialised plan.
People rarely think to themselves ‘I could really use a financial plan right now’. In reality, you want answers to specific questions or concerns.
How often have you asked yourself any of the following:
- How can I invest tax-effectively?
- How can I make the most of the new super changes?
- When should I make a will?
- How much do I need to retire?
- Can I get higher returns without higher risk?
- How can I increase my wealth?
- Should I borrow money to invest?
If these concerns have crossed your mind, you are not alone. People are increasingly concerned about taking charge of their financial matters, particularly their retirement.
What we do for you
After learning about your concerns and analysing your situation, we will work on developing strategies aimed at achieving your objectives. These include:
- Investment Advice
- Retirement Planning
- Wealth Creation Strategies
- Life & Income Protection
- Estate Planning
We will then provide you with a written financial plan (known as a Statement of Advice) which details your objectives and goals and any assumptions, strategies or recommendations made. It will also provide additional information that is required by law.
Once you have gone through the plan with your Financial Adviser and are comfortable that it reflects your personal goals, then it’s time to implement the agreed strategies.
Financial planning is different from investment advice. We can help you better understand the whole of your financial story. This is what financial planning is about – it’s a broader perspective than investment advice. Investment advice is only one of the benefits of financial planning. Financial planning takes account of all your current and potential sources of income, your objectives and taxation.
For instance, we can work with you on your:
Cash flow planning
- Gearing and mortgage requirements
- Superannuation accumulation
- Retirement planning
- Taxation issues
- Centrelink and Veterans Affairs, where applicable
- Budgeting • Wealth accumulation
- Salary Sacrifice strategies
- Estate planning issues for discussion with your solicitor
- Asset and income protection through insurances
Call us now to find out more!
Geoff Wilbow is a Financial Adviser Representative of Fiducian Financial Services Pty Ltd
ABN 46 094 765 134 AFSL 231103 Registered Office: Level 4, 1 York Street, Sydney NSW 2000
Disclaimer: Fiducian Financial Services Pty Ltd ABN 46 094 765 134 (Fiducian) is the holder of Australian Financial Services Licence No. 231103. The information in this document is for general information only. It does not have any regard to any investor objectives, financial situations or needs. This document does not constitute financial, tax or legal advice and should not be relied on as such. Fiducian has endeavoured to ensure that the information contained in this document is accurate but to maximum extent of the law, disclaims any liability for errors and omissions. Fiducian takes no responsibility for losses suffered by relying on the information except for statutory liability that cannot be excluded.