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We are a “full-service” financial management firm. Our consultants act as Personal Financial Managers for clients. We provide or facilitate a comprehensive set of financial services either directly or by coordinating partners in our network of service providers.
Your consultant plays a role of management and quality control by supervising various specialists and service providers to ensure that critical items don’t “fall through the cracks”.
We can incorporate your existing service providers in our service model. However service providers outside of our network are unlikely to be as efficient in their interaction with our strategic advisers. This is due to the extensive efforts made by the various service partners in our network to collaborate in devising strategies, refining processes and consolidating information and resources in order to deliver great efficiencies and improved quality of service.
| COMPREHENSIVE & CONVENIENT |
Our services include, but is not limited to:
- Home Mortgages and Investment Loans
- Investment planning and strategies
- Tax-effective investment advice
- Detailed Performance & Tax Reporting
- Superannuation & Retirement Planning
- Remuneration Planning
- Social Security Planning
- Estate Planning
In addition to those licensed services we can coordinate activities with your existing service providers, or refer you within our network for:
- Insurance - life, disability, trauma, income.
- Accounting, bookkeeping and taxation.
- Solicitors - preparation of wills, powers of attorney, trust deeds and sundry legal services.
Unlimited choice of products – our licence allows us to offer a comprehensive set of products. Unlike many financial service providers, we have no arbitrary limits on the type, or number of products you can select.
While some financial service providers are focussed on selling particular products in order to maximise their commissions, we won’t just sell you products. We listen to your ideas, concerns and requests, consider appropriate alternatives and offer you valuable advice.
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| It’s your money. Our mission is to help you to manage it wisely. |
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| OBJECTIVE |
| We are NOT a subsidiary of any financial institution, bank, insurer, stockbroker or fund manager. Nor are we a shopfront for any such institution. Our ownership structure and formal standards ensure that product issuers and institutions don’t influence our recommendations. This places us in the category that a recent ASIC survey recognised as the best advisory performers.[1] |
| PROFESSIONAL |
Our consultants have broad business experience, giving them a unique ability to see the “bigger picture” and better understand your specific needs. That experience includes retail banking, accounting, stockbroking, taxation planning, superannuation, funds management, small business management and management consulting.
Having specific accreditations such as CPA (Certified Practicing Accountants), Tax Agent and MFAA Mortgage Consultants allows direct provision of more services by the key members of our team than most financial planners or accountants can provide.
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| PERSONAL, CLEAR & SIMPLE |
Our phones are answered by PEOPLE equipped to help you. We don’t believe valued clients should quote account numbers, listen to impersonal recorded messages, or select from robotic menus.
Where possible, we avoid the use of jargon and technical terms to provide advice that is easily understood and makes clear sense to you.
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| AFFORDABLE |
Slashing “Hidden” Fees
We encourage you to compare our fees and services with other providers. Our fees are simple and fully disclosed.
Our finance analysis procedures ensure that we provide a formal quote of all fees asscoiated with products and services so that you know the complete cost of the products and services before committing to them.
Our procedures help to maximise value and minimise your after-tax costs.
Where feasible, we negotiate for direct fees to be rebated from the product issuers back to you.
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| LASTING VALUE |
Your consultant devises strategies and coordinates those strategies with the various network affiliates and any of your existing service providers (accountants, solicitors, banks, insurers etc.).
Together with our network affiliates, we continually strive to promote genuine service efficiency, quality improvements and cost savings. We pass the savings and benefits on to our clients.
Our affiliation with our service partners is an active collaboration aimed at providing benefits to all parties in the form of service quality, proactive management and economic savings.
Having a qualified financial consultant as your Personal Financial Manager reduces the chances of items being “lost in translation” and saves you repeating the same information to various service providers.
Ultimately, that saves you time and money.
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[1] Source: The Australian Securities and Investments Commission (ASIC) and the Australian Consumers' Association (ACA) joint survey of the quality of advice provided by financial consultants, Tuesday 11 February 2003.
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