financialadviserserina.com.au is being worked on at present and currently being built for leading Financial Advisers in Erina

Financial Advisers Erina has the knowledge, experience and resources to provide you with the recommendations and guidance to optimise your current financial situation and direct your resources efficiently in order to achieve long-term lifestyle objectives.

Financial Advisers Erina Financial offers a comprehensive range of financial services

Our Financial Advisers Erina Financial Advisers can assist you in organising your financial affairs and achieving your desired lifestyle objectives for today as well as your retirement. Our advice is proactive and tailored to your particular circumstances.

In today's complex and changing economic and legislative environment, it is imperative to plan for the creation and preservation of wealth. As a principal member of the Financial Advisers Association and backed by a wealth of local and national expertise, our investment recommendations are based on thorough economic, financial and investment research.

Financial Advisers Erina Financial Adviser for the long-term

Our financial planning professionals can develop a strategy that includes:

How Financial Advisers Erina can help

In order for us to provide our clients with tailored and valued advice, we follow a structured six-step advice process.

Financial Advisers Erina Wealth Protection – Insurance Protecting the lifestyle you have, is as important as building the wealth to support it. Insurance is about ‘risk sharing’ to minimise the financial consequence of loss to a valuable asset.

Financial Advisers Erina Superannuation

Superannuation for most people is the backbone of their retirement savings. Think of super as your future lifestyle fund.

Financial Advisers Erina Self-Managed Super Funds

A large and growing part of LIFE Financial Planner’s business is in the area of Self-Managed Super Funds, commonly known as SMSF’s.

Financial Advisers Erina Retirement Planning

We specialise in helping our clients plan for their entry into retirement, thus allowing them to enjoy this stage of their lives without any financial stress.

Financial Advisers Erina Cash flow & Debt Management

Having access to an adequate and steady cash source is a vital for living. Without access to cash, even the asset rich can encounter problems.

Financial Advisers Erina Wealth Accumulation

The opportunity to create and build a better financial future is available to most of us. Taking the all-important first steps and getting good advice to seize these opportunities is essential.

Financial Advisers Erina Estate Planning

Estate planning is all about getting the right money to the right people at the right time.

Business Services: Please click the business service you wish to view:

Financial Advisers Erina Small to Medium Business Enterprises SME

Financial Advisers Erina Business Succession – Buy/Sell Agreements

Financial Advisers Erina Business Super Solutions

Financial Advisers Erina Business Risk Solutions

The {NAME} investment team has a wealth of experience across its team of highly qualified investment professionals, with average industry experience of 15 years (over 75 years’ experience in total).

Insurance Advice

Corporate Superannuation Services

Financial Advisers ErinaAchieving your aim of financial security

To be financially secure and well-organised is a goal that is shared by many and achieved by few. Financial Advisers Erina can help you achieve this goal by organising your financial affairs and preparing clear financial statements that show your current and future cash flow. We can then use this information to design an investment strategy that matches your circumstances.

Your investment edge

Money management and investment is now a full time occupation and financial planning is essential for anyone who is serious about achieving financial independence. By working closely with us to minimise tax and enhance investment returns, most clients are able to achieve financial independence.

Financial Advisers don’t replace your solicitor or accountant. Instead, they work with them to achieve your goals. They don’t prepare your tax returns, but they will help you plan the best overall tax strategy. They don’t write your Will, but they will work with your solicitor to help protect your estate from excessive taxation and to maximise financial security for your dependants.

For more information regarding our Financial Planning Service, please contact our experienced Financial Advisers Erina Financial Planning Team.

•Comprehensive Financial Planning, including personal taxation and accounting considerations

•Superannuation

•Investment Structures

•Estate Planning

•Retirement Planning

Financial Advisers Erina Comprehensive Financial Planning

The key to success in life is planning - sustained growth is seldom achieved by accident.

A critical aspect to the success of a financial plan is to gather a thorough understanding of your financial circumstances, your current income requirements, what investments you have and other assets and liabilities. We consider your short and long-term goals in relation to lifestyle, family, work and retirement.To obtain this understanding, it is important to spend some time with you discussing your retirement issues, individual circumstances, attitudes and forming an agreed investment strategy.Once this understanding has been obtained, we set about developing a strategy that outlines the risks and returns involved from both a structure and investment perspective. Given each client has a different view and approach to their financial future, your plan is tailored to your circumstances, goals and objectives.

For more information on our comprehensive financial planning service, please click on the links below or contact one of our experienced Financial Advisers Erina Financial Planning Team.

Financial Planning Process

STEP 1

Our financial planning consultant sits down with you to define your objectives and to determine your specific financial circumstances. It is important that your financial planner understands your individual investment objectives, financial situation and needs before they provide recommendations to you.  We know that every client is unique and therefore we develop structures and strategies that are individually tailored to you.  The strategy is to optimise the portfolio structure, minimise the tax liability and, in the case of retirement planning, ensure your lifestyle objectives are achieved within the risk parameters you have specified.

STEP 2

We provide you with a detailed financial report, using computer analysis and information compiled with our in-house and external databases.  The report will detail the strategies recommended and the investment products to be used.  It will show all fees payable by you to all parties. The report will also detail all fees, commissions and other benefits your adviser may receive for recommending investments.  It will also explain the level of risk associated with the investment and strategies recommended to you.

STEP 3

Once the strategy has been agreed by you, your financial planner will complete all the necessary documentation, implement the strategy and process the investments on your behalf.  This service minimises the confusion often experienced by many people who attempt a ‘do it yourself’ approach.

STEP 4

For clients who elect to subscribe for the Premier Service, on-going professional support and reviews ensure the strategy continues to meet your objectives, with quarterly and annual reporting to ensure the optimum results are achieved.

Financial Advisers Erina Accounting & Tax

Australia’s tax laws are unbelievably complicated and becoming more so every day. As a business owner you want to be sure you are not paying any more tax than you have to.

Our advisers keep up to date with the legislative changes and understand every facet of Australia’s complicated tax laws. Even better, we explain the information to you in a way that you understand– while demonstrating how certain changes will impact on your business.

If you don’t have your tax structure right, it’s easy to run into problems. Our Financial Advisers Erina advisers go through your business financials with a fine tooth comb to ensure nothing is left to chance. Having confidence in your accountant to proactively provide you with the right advice leave you to spend time doing what you do best – run your business.

We also believe that tax planning during the year is just as important as when it comes time to file your tax return. By proactively assessing your position throughout the year and making necessary adjustments straight away, this can significantly reduce your end of year tax bill.

Financial Advisers Erina level of resources means we take a holistic ‘big picture’ view of your business. Unlike many other firms, we go beyond accounting and tax issues alone. Not only will we ensure your business is compliant with tax laws and minimise the impact of tax on your business, but we help you to run your business more productively and ensure you are better positioned to reach your goals.

We also offer the option of a fixed price agreement. This ensures there are no hidden surprises and you know exactly what to expect.

If you are a new client, we will gladly provide a complimentary, comprehensive review to ensure that you are not one of the many taxpayers who are paying too much tax.

Our Financial Advisers Erina Accounting and Tax services extend to the following:

•Company Annual Returns

•Asset Restructuring

•Budget and Forecasting

•Business Activity Statements

•Cash Flow Statements

•Company Secretarial

•Financial Analysis

•Monthly or Quarterly Reporting

•Superannuation Fund Audits

•Tax and Business advice

•Tax Planning

Don’t forget to sign up to our free eNewsletter on the right hand panel for the latest business tips and tax updates.

Financial Advisers Erina Financial Planning

No matter what stage you’re at in life; whether you are young or retired, have children, own a business, or are just approaching retirement, it’s never too late to start taking control of your financial life.

Our clients come to us for quality advice and a financial plan that will help them to achieve their short and long term goals.

Our Financial Advisers Erinateam understands that every client is unique – and we do not believe in a ‘one size fits all ‘approach. Instead, we work closely with our clients to gain a deep understanding of their individual needs, concerns and goals.

To accomplish the objectives set out, we build dynamic relationships with our clients based on open communication and forward thinking. We do our absolute best to explain the information to you in an easy to understand manner and are always happy to answer any questions that you may have.

Your financial planner can also advise you of new opportunities as they arise – and we only put forward options that we believe will get you real results.

As a member of the Financial Advisers Erina Group, a national network of advisers, we operate under the highest professional standards and provide clients the assurance that they will receive a consistent delivery of quality advice. The Financial Advisers Erina Group also provides our advisers access to quality products that have been well researched and monitored closely, so you can always feel confident.

Our team can assist with all your financial planning needs including:

•Superannuation

•Retirement Planning

•Budgeting & Cash flow Planning

•SMSF Advice & Strategies

•Tax Planning

•Investment Advice

•Wealth Protection Insurance

•Gearing Strategies

•Business Succession Planning

A financial plan is a great way to secure a happy future. If you would like to speak to one of our advisers or require more information about our services, please don’t hesitate to drop us a line or submit your enquiry using the right hand panel.

Financial Advisers Erina Superannuation

Maximise your lifestyle options before you retire

Appropriate superannuation management is crucial in maximising your lifestyle options after you retire. We can walk you through the maze of regulatory requirements and help you decide whether self-managed (or DIY) superannuation funds, employer-sponsored funds, industry funds, public offer funds or Retirement Savings Accounts are best suited to your needs. We will also advise you on how much you should regularly contribute to your superannuation fund. Our experts can help you decide what to do with your superannuation rollover or any other aspects of your superannuation needs.

If you would like superannuation planning advice, please contact your Adviser to arrange an appointment with our superannuation specialist. Financial Advisers Erina Super Facts brochure for essential tips to managing your super! We also hold a national Superannuation Seminar Series annually in June.

Financial Advisers Erina Estate Planning

Most of us understand the importance of having a properly executed Will.

A Will is a legal document which sets out the wishes of the Testator (the person making the Will). It nominates the details of your bequests and the Beneficiaries (those nominated to receive an inheritance). It also specifies who you appoint as your Executor, to ensure your wishes are carried out. Professional advice is strongly recommended so that the Will is properly drawn up and enforceable.

A Will should always be reviewed if there is a change in family circumstances such as a death, birth, marriage or divorce. With the sale or purchase of investments, an inheritance or a change of residence may also involve changing a Will.

We are able to help guide you to achieve your desired outcomes.

For more information on the following estate planning topics, please click on the links below:

Superannuation Beneficiaries  |  Effective Tax Structures  |  Advice on Choice of Executors  |  Advice on Powers of AttorneyFor more information and advice regarding Estate Planning, please contact our experiencedFinancial Advisers Erina Financial Planning Team.

Financial Advisers Erina Retirement Planning

Retirees usually have two primary concerns - to ensure that they have enough income to meet their needs today and to ensure they will retain enough capital to provide for their income tomorrow.

Financial well-being in retirement will eventually be determined by only five things:

1. How the accumulated wealth has been structured
2. What is earned from investments
3. How much is spent
4. How much is paid in tax
5. How much is received in Social Security (or Centrelink) benefits, if applicable.

Depending upon your age, the structures and strategies put in place will have a major influence on lifestyle needs and objectives.For more information and advice regarding Retirement Planning, please contact our experienced Financial Planning Team.

Financial Advisers Erina Insurance

Insurance plays an essential part in our everyday lives.

Most of us would not consider driving a car or leaving our house without knowing we had adequate insurance against accident or theft. Similarly, it is vital that we insure our financial futures, and those of our families and loved ones.

Consider the following example:

A chartered accountant earns $160,000 per year. He has just bought a new home for $700,000 with a mortgage over 25 years. Within ten years he will probably be earning $320,000 per annum.  He has no life insurance!

Last night he died.

Today his wife and the children start a new life quite different from the old. The husband unfortunately handled all the finances. If the widow does go to work she will have to find and pay for competent care for their children, extra clothing and transportation and for a long time, she will be fraught with uncertainty, worry and hard decisions.

The family may now rely on the Australian welfare system.

This is an example of a world without insurance!

For further details regarding the following insurance topics, please click on the links below:

Financial Advisers Erina Income Protection

People tend to insure valuable things that would be hard to replace, like their house or car. But even more valuable to most people is their income – the source of all the payments that support their life and lifestyle.

How would the loss of your income affect your ability to repay your home loan, maintain your investment portfolio and continue your retirement planning?

Income Protection Insurance provides a replacement of up to 75% of your normal gross income if you are unable to work due to illness or injury.  The premiums are usually tax deductible.

For more information and advice regarding Income Protection, please contact our experienced Financial Advisers Erina Financial Planning Team.

Financial Advisers Erina Asset Management

Financial Advisers Erina Asset Management is a dedicated asset manager based in , Australia providing investment solutions to Australian resident investors as well as offshore investors seeking access to specialist investment opportunities in Australia, particularly in resources.

At Financial Advisers Erina Asset Management we seek to provide investors with unique and exciting investment products where we can clearly add value through superior research and investment analysis.

Our investment process combines a bottom-up and a top-down process. The investment process is primarily a bottom-up stock selection process involving in-depth fundamental research in order to determine the companies that {NAME} believes have the highest likelihood of significantly increasing shareholder value.

A top-down evaluation of the international and domestic macro-economic environment is then undertaken to determine the economic environment within which these companies will be operating. {NAME} then integrates investment guidelines and standard portfolio optimisation techniques to maximise the risk adjusted returns of the portfolio.