Everybody deserves sophisticated
financial advice.
And our answers will be straightforward.
FORTUNATELY FOR YOU, WE DON'T BELIEVE IN FAIRY TALES.
Life happens and it pays to be prepared.
RISK PLANNING FOR INDIVIDUALS AND FAMILIES
Financial planning is a collaborative process. Our financial planning professionals assist you in mitigating the risks associated with death, disability and the aging process. By utilising a planning process approach, we emphasize finding the appropriate strategy, not selling a product.
Before we discuss risk planning strategies, we undertake an extensive fact finding process with you to ensure we have clear objectives in the area of risk management.
When making recommendations, we consider your goals and objectives and how various products may interact with other assets. We also take time to understand how product design and ownership impact income and estate tax liability.
You can depend on us for assistance in the following specialty areas to help mitigate risk:
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Life insurance
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Disability insurance
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Long-term care insurance
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Health insurance
RISK MANAGEMENT FOR BUSINESS
For many business owners, their company is their most significant asset.
When you engage us for risk management services, we focus on protecting your business interests and providing for generational continuity. We specialise in helping you fund buy-sell agreements, provide key person insurance and create liquidity to assist in business continuation programs.
We can also assist you in the development of an employee benefit program, both from a plan design and a plan selection perspective.
WILLS - TRUSTS - ESTATES
Your will is an essential part of estate planning as it stipulates how you want your assets dealt with upon your death.
Your estate refers to everything you own and owe, from property and cars to investments and debts. Proper estate planning will ensure that your estate is set up in a tax-efficient way that benefits you during your lifetime and your beneficiaries after you die.
A PROPERLY STRUCTURED ESTATE ENSURES THAT:
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There is enough cash to pay outstanding debts.
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There is an income (and capital if required) for your dependants.
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The estate is distributed according to your wishes.
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Your business interests are protected.
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Taxes are minimised (e.g. estate duty and income tax).
As it is a crucial area of financial planning, it is worth getting professional advice if you are drawing up a Will.