Services
We are passionate about making a positive difference in peoples’ lives.
To do this, we must gain an in-depth understanding of your needs, goals and what is important to you.
We then provide thoughtful, researched financial advice with the intention of creating the best possible situation for you, and the people who matter most to you.
Every client is different and has different knowledge and experience. We don't have a one-size-fits-all approach, and we personalise your advice to suit your needs, goals & preferences.
Our Process
Step 1 - Discovery Meeting: Over the internet, phone or in person - we discuss where you are now, and where you'd like to be. In this meeting, we'll discuss some of your strategy options, and what our services may look like for you if we can add value.
Step 2 - Strategy Meeting: We then present an overview of our strategy options in further detail, based on the research & analysis completed since our Discovery Meeting. We discuss which path you want to take based on your desired outcomes.
Step 3 - Statement of Advice Presentation: Considering the discussions and feedback of our strategy meeting, we will formalise our strategic approach and present the finalised advice document. If comfortable, all paperwork required to implement your recommendations is signed.
Step 4 - Implementation: It is at this stage we implement your tailored strategies. Our goal is to take care of the majority, if not all implementation responsibilities to make this as smooth a transition as possible.
Step 5 - Ongoing Review: We will establish a recurring time frame (minimum once per year) for your review meetings, conducted to ensure your strategy is proactively tweaked and adjusted to your evolving circumstances. As part of our ongoing service offering, you will have access to your adviser when needed, year-round.
Wealth Creation & Investment Advice
We consider ourselves Wealth Creation specialists. With a tailored approach to wealth creation that considers your personal goals, timeframes, and preferences - we can help you build wealth and navigate the complicated world of personal finance.
With so much information available, we know it can be overwhelming to make sense of it all. No matter where you are in your journey, we will explore the following areas to see how they fit in with your goals & situation:
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Cash Savings
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Term Deposits
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Bonds & Fixed Interest Investments
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Shares & ETF's
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Debt Recycling & Gearing Strategies (Borrowing to Invest)
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Investment Bonds
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Property
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Managed Funds
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Passive and Active Investments
From there, we will identify the best approach for you to achieve your desired outcomes. We will provide ongoing advice and support to ensure your portfolio & strategies continue to meet your needs.
Tax Advice:
Please note that your adviser is a qualified tax relevant provider. We may discuss tax implications of certain financial products, and benefit payments where the advice is:
- provided in the context of the personal advice given to you, and
- part of the financial advice which interprets and applies the tax laws (including tax, superannuation and SMSF laws) to your personal circumstances.
If you require advice in relation to liabilities, obligations or claiming entitlements under a taxation law, you should seek advice from a registered tax agent. You should consult an appropriate taxation adviser for tax issues outside of Australia.
Wealth Protection & Insurance Advice
You most likely have car insurance, you probably take out travel insurance when you go overseas, and if you own a house, you probably have home and contents cover.
Your ability to earn an income is the most important asset you own - yet the majority of Australian's don't insure this.
We, as Financial Advisers, can create the best plan for you - but most plans are underpinned by your assumed ability to earn an income. Insure it! Otherwise, should your income cease, your plan will fail, and the repercussions of this can be financially devastating to you and your family!
Insurance is complicated. Insurance products aren't the same between all providers, and it is important to receive advice so that when/if you need to claim, you aren't left hanging.
We can talk to you about different benefits, how much cover is appropriate and also how to fund the policy premiums.
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Life Insurance – Pays out if you pass away, or if you become terminally ill.
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Total & Permanent Disability (TPD) insurance – Pays out if you can never work again due to an injury or illness.
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Trauma or Critical Illness insurance – Pays out on diagnosis of a range of medical conditions, such as Cancer, Heart Attack, Stroke plus many more.
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Income Protection insurance – Pays a monthly benefit to you if you are sick or injured and unable to work. This benefit can be long term or short term.
Superannuation & Retirement Advice
For most people, Superannuation ends up your most valuable asset outside of your family home. Unfortunately, it rarely gets the attention it deserves. It makes sense, to make sure, it's doing the right things, early! After all, it is just a tax environment (15% tax on earnings).
With expert advice in relation to superannuation strategies & products, we help you enjoy the best possible retirement.
We will work with you to implement strategies to help maximise your super, identify an appropriate investment mix, and the right superannuation products for you.
Swell Financial Planning can assist with:
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Finding lost super & consolidating multiple accounts
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First Home Super Saver (FHSS) Scheme
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Self-Managed Super Fund (SMSF) establishment & management.
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Contribution strategies
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Pre-Retirement Planning
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Drawdown strategies (Retirement)
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Superannuation portfolio management
Cashflow Advice
Our sophisticated software can assist you in taking control of your cashflow and give you clarity & confidence with what your current, and proposed situation will look like.
We can help by providing a clear snapshot of where you are and illustrate the path you’re currently on. From there we can then provide alternative scenarios based on simple, but effective changes. A big part of this is aiming to minimise tax, in order to keep more of your hard-earned.
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Cashflow management and structure
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Salary packaging
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Personal cashflow planning for business owners
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Saving for your first home or investments
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Debt Management
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Saving for your kids
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Most importantly, saving and preparing for your lifestyle goals (holidays, renovations, early retirement, etc)
