We help you to identify and evaluate your goals. We will then work alongside you to ensure that your key objectives are achieved.
Investor Risk Profile
We will develop your portfolio based on your investor risk profile and matching your risk-appetite to the risk exposure of Locumsgroup’s model portfolios.
We will ensure that your financial management arrangements are established within a framework designed to achieve maximum tax-efficiency.
Advice based on Nobel Prize winning investment expertise embedded in academia and sound economic-science will enable you to avoid the mistakes that can occur with investment decisions.
If you are a business owner then any loans from you to private companies should be protected to the benefit of the owner, and any exposure that you may have as a company director on the form of personal guarantees should also be considered.
Wills and Estate Planning
Three key areas for you to consider in the management of your estate are: make your arrangements easy to administer; develop a plan that will lower the taxes payable on your estate; and work out how to leave your estate so that it can be put to the best use by your beneficiaries.
The protection of your financial well-being, and the protection of your dependents, can be achieved with a considered risk management strategy.
Your debt-structure is one of the defining issues in the management of your affairs. The separation of loans into individual, clearly identified sub-loans makes the management of your borrowings tax-efficient and easier to manage.
Your business ownership structure and the flow of revenue from operations should be reviewed to ensure that you are operating at maximum efficiency.
Your superannuation savings will ultimately represent one of your largest assets along with your main residence and other investments in your portfolio. In broad terms your superannuation options will involve either a Public Offer fund or a self-managed superannuation.
A self-managed superannuation fund (SMSF) is a form of superannuation fund that can offer members greater control over their retirement savings. A key advantage of an SMSF is the ability to introduce borrowings into your retirement savings.
Organising your financial life organised is a process that takes different forms at each of the different stages of your life. Key defining events are:
Your choice of your accountant and financial adviser is a fundamental key to your success and is the link to you being the best you can be at each of the different life stages.
Every aspect of the Locumsgroup advice process reflects an uncompromising commitment to provide significant and positive impact on our clients’ well-being at each stage of our clients’ lives.