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.
Wealth Accumulator Service Package:
- Review retirement goals and adequacy of current savings;
- Review superannuation investments and appropriateness, including Self Managed Super Funds;
- Review insurances and family protection, estate planning and Wills;
- Review mortgage structure and mortgage rates;
- Tax planning, both income and Capital Gains Tax;
- Consider alternative investment options, such as property versus shares versus managed funds;
- Consider gearing for wealth creation, including adequacy of cash flow, tax effectiveness, property versus shares versus managed funds, margin loans and home equity, prepayment of interest and margin loans;
- Consider other investment opportunities as they arise, for example: structured products;
- Quarterly review and management of investment options, as well as asset allocations within managed funds where applicable;
- Annual review:
- Balance sheet comparison year to year;
- Review continued appropriateness of strategy that was previously implemented;
- Review portfolio and historical performance;
- Recommend changes if necessary;
- Consideration of legislative changes;
- Tax planning and minimization;
- Review cash flows
- Quarterly performance reports;
- Biannual meeting with your Financial Adviser to discuss portfolio performance and changes made during the period;
- Monthly economic update newsletters;
- General access to Financial Advisers and support staff for ad hoc issues as they arise
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.
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.
Direct equities
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 Odyssey’s extensive research capabilities, we’ll help you create a portfolio tailored to your individual wealth management objectives.
Tax-effective investing
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.