Everyone is unique, so you deserve a unique financial plan.
The optimal strategy for you and your family will depend on your current situation, your short-term and long-term objectives, your investment time-frame, your financial resources and your appetite for risk. We’ll help you explore the options and create a holistic strategy structured around your individual goals.
A holistic approach
Your investments are only one part of your life — but they can be the key to unlocking the lifestyle you want to achieve. By considering your finances as one part of a bigger picture, rather than an end in themselves, we can help you create a lifestyle you can enjoy both now and in the future.
To achieve that, we follow a disciplined wealth planning process, designed to unlock your financial potential:
1. Defining the scope of engagement
In our first meeting we will explain the process that we will follow, find out your needs and make sure they can meet them. We will also talk you through our background as financial advisers and our fee structure.
2. Identifying your goals
Next, we build on our understanding and work with you to identify your short and long term financial goals – this stage serves as a foundation for developing your plan.
3. Assessing your financial situation
Once we have identified your short and long term goals, we then take a good look at your position – your assets, liabilities, insurance coverage and investment or tax strategies.
4. Preparing your financial plan
Once we have a clear understanding of your individual goals and your financial situation, we will then recommend suitable strategies, products and services, and answers any questions you have.
5. Implementing recommendations
Once you’re ready to go ahead, your financial plan will be put into action; where appropriate, we may work with specialist professionals, such as an accountant or solicitor as identified.
6. Reviewing the plan
Your circumstances, lifestyle and financial goals are likely to change over time, so it’s important your financial plan is regularly reviewed, to make sure you keep on track.
Wealth creation strategies
Here are some of the wealth creation strategies we may help you explore, depending on your needs.
Strategic asset allocation
Asset allocation is the key to achieving the right balance between risk and return. We’ll help you create a truly diversified portfolio that harnesses the growth potential of asset classes like shares and property, while avoiding excessive risk.
Risk management strategies
Depending on your situation, we may recommend a range of defensive strategies to control specific exposures or reduce overall portfolio risk, including hedging solutions, liquidity strategies, and investments with built-in capital protection.
Super and SMSFs
With its built-in tax advantages, super is a powerful vehicle for long-term wealth creation, so it’s important to make the most of it. We can help you take advantage of the benefits super has to offer, while navigating an increasingly complex regulatory landscape.
If you are looking for greater investment choice and control, a self-managed super fund (SMSF) can be an attractive choice. We’ll help you manage the complexities of setting up and administering your own fund, developing a personalised investment strategy that maximises your opportunities while keeping risk under control.
With the right advice, Australian and international shares remain an outstanding tool for long-term wealth creation. But in a volatile market, it also takes careful planning to minimise risk. Drawing on Godfrey Pembroke’s extensive research capabilities, we’ll help you create a portfolio tailored to your individual wealth management objectives.
The Australian tax system is enormously complex, creating both legitimate tax minimisation opportunities and pitfalls for the unwary. We can help you explore a range of tax-effective investment options, from geared investments to salary packaging and trust structures.