Financial Solutions on Yarra can provide advice in the following areas:

Our advisers can work with you to develop and implement a comprehensive financial strategy, assisting you to maintain - and grow - your wealth.

To bring structure and control to affairs which may have become fragmented from a lack of time or experience, an understanding of the big picture and management of details are both necessary.

We understand that wealth preservation and growth are only achieved by adopting a long-term consistent approach that is focused on a set of objectives - and reviewed regularly - to ensure appropriate outcomes. We can work with you to achieve these wealth preservation goals.

From identifying goals and financial issues, to preparing and implementing a financial plan. Our clients develop a powerful vision of the future and a realistic plan to achieve it.

Investment Advice

We advise on the most appropriate mix of managed funds, domestic and international shares and other investment options, including property, cash and fixed interest.

Superannuation and retirement strategies

Our advice is tailored to retirement objectives, employment situations and overall financial positions.  We also consider contribution strategies including salary sacrifice arrangements.  The appropriateness of a Self-Managed Superannuation Fund and taxation issues are simultaneously addressed in designing a recommended strategy. 

Margin Lending

Margin lending is a wealth-accumulation strategy.  If you invest borrowed money, you actually have more funds working for you than if you accumulate funds over time via a traditional savings strategy.

Leveraging a portfolio on a conservative basis is a very useful strategy for many investors. However, leveraging also multiplies your investment risk, as well as incurring an interest cost.

Once you have made the decision that the benefits of leveraging an asset or a portfolio outweigh the risks inherent in the strategy, then we will be happy to discuss the best approach to suit your individual circumstances.

Some of the benefits associated with margin lending include being able to:

• diversify your portfolio
• access your equity
• increase your capital returns, and
• assist your tax planning

Margin lending is most appropriate for people:

• With an assertive or aggressive risk profile, who are prepared to accept investment volatility
• With a strong, secure cash flow (which is protected by an appropriate insurance policy)
• On higher marginal tax rates
• With a low level of non deductible debt
• With an investment time-frame of greater than 7 years

Insurance

Our insurance services are not strategically aligned to any life or general insurer, and have the sole aim of serving clients.

Maintaining your family’s lifestyle and financial well being in the case of you or your partner’s death, illness or disablement is a crucial consideration.
We can provide you with advice and guidance on the range of insurance offerings available to families, individuals and businesses.

Personal insurance offerings we advise on include:

• Life insurance
• Total and Permanent Disability insurance
• Trauma insurance
• Income Protection insurance

Business insurance offerings we advise on include:

• Shareholder Protection
• Key Person insurance
• Estate Equalisation measures
• Business Expenses Protection

We will work with you in establishing and maintaining a comprehensive insurance protection strategy. Our process is to undertake a detailed analysis of personal and business insurances needs to ensure that you and your family are protected in the event of your death, trauma or disability. For many of our clients their most important asset they need to protect is their potential to earn an income to meet family lifestyle needs (such as education) and to repay debt (such as a mortgage).

We will assess insurance needs, quantifying cover required, ownership and beneficiary structures (and explaining the consequence of these on taxation and estate planning) determining the most suitable policies with relevant definitions at competitive rates, negotiating with underwriters and managing the application and approval process.

In the case of business insurance protection, shareholder cover and keyperson we will work with you, your accountant and solicitor to ensure the policy ownership structure is relevant to your agreements and resolutions.

We understand that insurance coverage can have important implications from an estate planning and tax perspective, and we will work with your solicitor or accountant or other appropriate professional.

We recognise that the only reason for insurance is to protect yourself and your family in the event of death, disability or illness. Therefore while our role in assessing your needs, and advising on, and implementing the cover is important of even more importance is assisting at claim stage. This can be an extremely stressful period for you or your family and our goal is to ensure that the claim process runs as smoothly and that the benefit is received quickly.