The annual review is the most vital component in the financial planning process. The purpose is to ensure that our plan for you is still doing what it was designed to do. Financial planning is an ongoing process so it is important to reassess your goals and ensure you continue on the appropriate financial path.
In the financial planning review process, we will provide the following services and access your financial plan accordingly.
In summary, the annual review service is imperative. Together with your life planner, you will be able to seek ongoing financial advice, tailor made to suit your personal and financial circumstances.
Our premium service delivers a customised service to high net worth clients. High net worth clients (net liquid investments of at least $1M) usually have different investment concerns and issues.
If you choose this service you can take comfort in the knowledge that your advisor will be making discerning decisions and tailoring solutions to ensure that your financial needs are continually monitored. This premium service will provide:
This service provides access to direct equity advice from eQR securities. They provide high quality research and strategy solutions across a wide range of S&P/ASX 200 equities, a number of high quality mid cap equities, listed investment companies and hybrid securities. eQR securities also provides solutions across portfolio strategy, sector strategy and general market thematics.
This service provides monitoring and reinvestment of your cash and term deposit holdings in order to maximise your investment returns.
We utilise the services of Australian Money Market (AMM), giving us access to more than 20 banks, building societies and credit unions with only one application form.
This service will save you time and haggling with your bank for the best rate. Simple bank to bank transfers are securely invested in your own name and all institutions are covered by the Government Guarantee Scheme.
Enlightened utilises the services of ‘Odyssey’ who provide a tailored property offering that gives you access to some of the best Australian residential properties. Odyssey has over 600 Australia wide residential property options with easy to understand cash-flow calculators, customised client property reports, photos, floor plans, overview reports, area maps and much more.
Odyssey identifies property cycles, capital cities with high rental demand and buying opportunities supported by third party research. Clients are able to make an informed no pressure decision, rather than being reliant on “developer spin” and “marketing hype”.
In this service we act as an authorised person to deal with Centrelink on your behalf. This involves completion of your Centrelink updates, providing financial information and on-going assistance when required. Our role is to maximise your entitlements but one of the best rewards of this service is never having to waste your precious time on the phone or in a Centrelink office ever again.
The trustees of a self managed superannuation fund (SMSF) are responsible for running the fund and acting in the best interests of its members. One of the most important roles is to manage the investment strategy of the fund and to consider:
Your adviser will review your trust deed to make sure it is up to date with the current legislation and provide a compliant investment strategy review each year for the fund (as required by law). Such a review will give you peace of mind, knowing that your SMSF complies with the relevant legislation requirements.