Service Overview
Financial Advice
Consider your financial objectives. These may be retirement, debt reduction, children’s education, estate or succession planning. Seeking professional assistance to get your affairs in order now can enhance your lifestyle now and set you on the path to a stress free retirement.
Investment Portfolio administration, management and reporting
Fundamental Financial Planning Pty Ltd utilises a core portfolio and satellite portfolio methodology, with the capacity to adjust the respective weightings of each segment of the portfolio in accordance with the level of market risk and the risk profile of the investor.
Core Portfolio – Consists of sector stalwarts which offer a degree of earnings certainty, a positive growth profile over the medium to long term and a level of secure dividend income. These selections should always sit comfortably in the portfolios of both seasoned investors as well as investors new to the market. This sector of the total portfolio includes the cash account.
Value Portfolio – Also known as bargain hunting or opportunistic buying. Selections favour stocks that possess the potential for market re-rating by virtue of their earnings recovery prospects, low valuation relative to assessed worth or a relative discount to their peer group. While these companies are frequently not included in the “growth” rated groups due to less optimistic earnings growth forecasts, they are typically identifiable from a low earnings model indicator showing it is priced at a discount to its fair value based on current earnings.
Growth Portfolio – This sector favours investments offering an enhanced level of earnings growth driven by a strong return on equity1, sectoral dynamics or competitive advantage. More suited to higher risk investors, these selections often include companies trading at higher multiples of current earnings per share, reflecting earnings growth potential.
Income Portfolio – This sector favours investments offering a degree of both earnings and dividend income certainty, with a bias towards a higher stream of tax effective dividend income. These companies suit investors seeking a reliable dividend yield, usually utilising franking credits, while limit the risk taken on the growth outlook.
Capital Protected – Includes structured investment arrangements that provide a guarantee over the capital invested at commencement if the investment is retained for a set term. This type of portfolio suits the highly risk averse prepared to sacrifice potential returns in the interests of protecting their capital over the long term.
Alternative Portfolio – Represents investments aimed at reducing the direct correlation between performance and the Australian share market. That is, an asset that produces a positive return when the market is falling, through the application of strategic risk allocation techniques or derivative overlays.
Superannuation
In addition to providing financial security in retirement, superannuation offers significant taxation benefits. The returns on your money in your own superannuation fund and the tax benefits can make your money accumulate faster providing financial security in retirement. This is why a sound well thought through financial strategy is crucial. More information is available though the First Step Program.
Managed Superannuation
Suitable for people …
- Just starting work and deciding where to save their retirement funds.
- In work who wish to take advantage of the super choice legislation.
- Who do not want the responsibility of participating in the management of their own superannuation.
- Who want a worry free and simpler super service.
- Who prefer their superannuation to be managed by a financial institution.
Self Managed Superannuation Funds
The Benefits of “Do it yourself” Superannuation
Having your own superannuation fund rather than a fund with a bank or fund manager gives you greater control and more flexibility in how you can have the money invested tailoring it to your own individual needs.
You can invest in shares, property and other investments based on a well considered investment strategy.
Some of the benefits of a Self Managed Superannuation Fund:
- Self Managed Superannuation fund rules allow more flexibility in investments and management;
- Your fund’s portfolio could be more tax effective,
- You can use a variety of investment tools to leverage and maximise returns that are normally not available within institutional funds;
- You can better organise your affairs in case you die;
- A Self Managed Superannuation fund could be less expensive;
- Having control of your own fund means you can conduct tax planning better.
Taxation Planning
Tax is a part of life. However, without structuring your affairs appropriately, you may end up paying more tax than are legally required to. A few fundamental changes can assist you to organise your financial situation to be more legally tax effective.
Succession Planning
The dilemma for business owners who want to pass their business activity on to family members is that the business owner wishes to maximise the sale price but does not want to burden those family members acquiring the business with excessive debt. We can design a strategy, which achieves these objectives.
When families consider the internal sale or transfer of an asset they need to consider where the money will come from. There are other processes and methods to complete this transfer which will provide the same result without the struggle of borrowing vast amounts of cash.
The tax effective strategy we design and implement will enable the senior members of the family selling the business to attain the best sale price. Those members of the family seeking to own the business can acquire it without the cost being a burden.
Estate Planning
Have you unwittingly made the Commissioner of Taxation a beneficiary of your Estate?
Estate planning is a specialist field. The ownership of assets, your Company, Trust and Superannuation structures, and the terms of your Will and Insurances must be carefully considered to the best advantage of yourself and the people you care about.
If you think about the structure you have, or are presently thinking about getting your affairs in order, then you should consider how your financial situation and estate is structured in relation to taxation and how tax will affect your estate on death.
What happens if you are disabled or unable to look after yourself?
