We are able to provide financial advice in the following areas:

• Debt management and mortgage advice
• Estate planning advice
• Insurance advice
• Tax planning
• Salary sacrifice/packaging
• Asset allocation recommendations
• Investment placements
• Portfolio monitoring
• Portfolio rebalancing
• Year-end tax statements
• Social security advice
• Business succession planning
• Asset protection for vulnerable professions
• High quality communication and access (phone, newsletters, seminars, Web site)
• Ongoing investment research
• Home loans and finance advice

If you do not require a comprehensive financial plan, we can provide restricted advice. Typical services offered in a restricted advice situation are listed below:

Managed Funds

As independent financial planners we are able to make recommendations from the full range of Australian managed funds and superannuation plans.

Life and disability insurance

We are licensed to offer Life Insurance Broking services.  We offer life and disability insurance from a variety of major life insurance companies, both as direct retail policies and also via group rate life policies available from superannuation funds.

Where possible we attempt to obtain discounted premiums in return for not receiving a commission, otherwise commissions are refunded in full to clients after first offsetting them against any applicable financial planning fees. By working on a fee for service basis the typical retail insurance policy premium gets a discount of about 30%, not just initially but on an ongoing basis for the life of the policy.

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