Wealth Creation

Financial Planning

Good financial advice makes the most of the assets a person has, helps to build assets, provides financial security and brings peace of mind. 

Most people choose to see a financial adviser at significant turning points in their life. They may need an expert to help them consider their options and to understand financial products, tax laws or the benefit system. Once people find an adviser with whom they're comfortable, a long-term relationship often develops with regular meetings to review changing needs.

People most often consult a financial planner when:

• Starting work or changing jobs and looking at superannuation options.
• Getting married, or separating from a partner.
• Starting a family, and saving for education costs.
• Buying a house, or paying off the mortgage.
• Looking to invest for capital growth.
• Planning to retire.
• Inheriting money, receiving redundancy payments or other lump sum payments.

Make an appointment now and take control of your finances and your future!

Retirement

Retirement planning can assist you to plan and manage your financial situation for your retirement, so you can maintain a regular income, enjoy life and retire with confidence.

A sound retirement plan can help you:

• Prepare for your retirement
• Select the best superannuation
• Generate retirement wealth
• Ensure you obtain the maximum tax and social security benefits
• Secure your assets
• Utilise tax-efficient strategies to transfer your wealth, and
• Plan your estate so your loved ones are looked after

We work with you to identify your financial and lifestyle objectives for retirement and help you plan your future.

Superannuation

Personal Super

We have a team of expert advisers who have access to over 300 super funds. Come and see us soon so we can recommend strategies for investing in super which can maximise the tax benefits to you and best provide for your needs in retirement.

Employer Super

How can you Increase Employee Loyalty?

Many companies are finding that when they take an active interest in their employees’ future retirement benefits and assist them in getting better superannuation growth; they get an increase in top employee retention?

Superannuation Health Check

A superannuation health check for both you and your employees can be negotiated at no cost to you, the employer, or your employees?

 

*At WIN Financial Network, we specialise in uncomplicated Superannuation solutions for our clients and actively supervise the funds and fund managers we have our clients with to detect market fluctuations and fund manager changes. We also recommend changing from one fund to another, where necessary, to achieve the highest overall returns we can for all of our clients, while maintaining stability and risk control.

*At WIN Financial Network, many of our clients are happily experiencing excellent returns:  compare this with what you are currently receiving and contact us to experience the power of increased returns also.

 

Allocated Pensions

An Allocated Pension Account is part of a complying superannuation fund. It provides clients with an extensive investment choice (including many wholesale managed investments) and the convenience of consolidating investments into one account for their personal retirement savings.

Investment

Accrue capital growth watching your investments grow through Shares by direct investment or Managed Funds, Fixed interest cash, or Listed Property Trusts.

Margin Loans

A margin loan is a flexible investment loan that can be used for investment purposes such as investing in shares and managed funds. You simply provide existing approved shares, managed funds or cash as security for the loan. You can then use the borrowed money to access a greater range of investment opportunities, because you are not limited to investing your own capital. Margin Lending Strategies are not suitable for every client. The client needs to understand that there are risks involved with such a strategy. Margin Loans can magnify gains as well as losses and the client needs to be aware of these risks before undertaking this type of strategy.

Risk

Life
In the event of the life insured’s death or terminal illness, life cover pays either a lump sum or installment amounts. This benefit is commonly used to clear debt, leave money for the family to live on or help with living expenses, estate planning or business buyouts.

Income Protection

Income Protection is the first step in securing your lifestyle if something does go wrong. What if a sickness or injury prevented you from earning an income for a longer period of time; - weeks, months even years?

Income Protection insurance provides an income stream should you become unable to work due to an injury or sickness. Benefits are paid monthly, not as a lump sum. The amount of cover is restricted normally to 75% of your gross salary. Premiums are tax deductible.

Trauma

Trauma or Critical Illness insurance provides a cash lump sum on the diagnosis of a medical condition. The number of conditions covered (benefits) varies widely, cheaper policies often offering fewer benefits. The most common claims under these policies are for: cancer, heart attack, coronary bypass and stroke, although many other conditions can be covered.

TPD

Total and permanent disability insurance (TPD) is usually an optional extra on a life insurance policy and covers against a permanent disability. The amount of cover you can buy is usually limited to the amount of life cover purchased. A claim is usually paid as a lump sum. TPD insurance covers serious and permanent disablement but does not cover temporary disabilities or many traumas