Investing is a powerful way to grow your wealth, but the process can be complex and confusing. We provide clear, proven advice to ensure you get the most out of your investment choices and feel confident in your decisions. We also guide you through timing and investment budgets by finding the right balance between your level of comfort and your risk and return.
Our investment recommendations are customised to your unique requirements and extend to any or all the following asset classes: Australian equities, international equities, emerging markets, property securities, government bonds, corporate bonds, term deposits.
Your wealth creation partner will ensure you choose the right investment structure for your unique circumstances and that will deliver the best return over time.
Risk management and insurances
Protecting yourself and your family from financial loss is one of the most important roles of any comprehensive financial plan. Including a risk management strategy with appropriate insurance in your plan can ensure you have enough coverage should you come up against unexpected medical expenses or loss of your ability to generate income.
Our wealth creation experts will advise you on the right insurance cover for your situation – whether that be personal (including life, total permanent disability, critical illness and income protection) or business (including key person, debt, equity, revenue, shareholders agreements, buy/sell agreements, trigger events and valuation) insurances.
We’ll work closely with you to advise the right structure to fund the cost of your insurance, minimise tax implications, and determine who should hold the insurance for the best result – you personally, your business or through your superannuation fund.
People are now spending more than a quarter of their lives in retirement. How far will your accumulated savings and superannuation take you? And what lifestyle will you lead?
Whilst you are working it is critical that you maximise your income to set you up for the life you aspire to enjoy during retirement.
Wealth creation through superannuation
Most people aspire to retire earlier than the pension age. Even if you love what you do, having the option to retire and enjoy those golden years is a goal many people share.
Superannuation is one of the most tax-effective ways of saving for your retirement. Whether you contribute to superannuation personally, through your employer or through your own business, the advantages of investing in super are significant and include concessional tax treatment and the ability to attach insurance benefits.
However, superannuation legislation can be complex and with so many options to choose from, it can be difficult to know if you’ve put your metaphorical eggs in the right superannuation basket. Our wealth creation advisers will provide timely, practical and clear advice to help you through the superannuation labyrinth and ensure you are maximising your superannuation and wealth creation.
Tax effective strategies
Minimising your tax is an important building block for future wealth. The investment structures you use to build wealth should work in partnership with a strategy that minimises the tax you pay. It’s always better for your money to stay in your pocket, rather than someone else’s.
Your local PKF wealth creation adviser has a breadth of knowledge and experience in structuring your finances to minimise tax. We’ll work with you to put a financial framework in place that considers how you receive your salary, superannuation contributions, investments, debt and risk management, and effective gearing strategies to give you the most tax effective solution for your circumstances.
Estate and succession planning
Estate or succession planning is about so much more than just having a documented will in place. It ensures the many years of hard work you’ve put in to build your wealth and legacy continue to provide for you and your family during your retirement and beyond.
Effective estate planning can be a complex process, with many emotional and financial aspects to consider. But a well devised plan set up today can help ease any pain or headaches in the future.
PKF’s team of experience estate planning advisers will help you communicate your wishes around how your legacy is managed into the future. Our experienced financial professionals will work closely with any trusted legal specialists to create a tailored plan.
Articulates the assets to be delivered to the people of your choice
Maximises the after-tax value of your assets
Builds financial security for your dependents
Makes it as easy as possible for the people you leave behind to handle your affairs
Protects your assets from legal disputes
We can provide a range of financing solutions, including home and investment loans, commercial loans, vehicle and equipment finance, SMSF lending and debtor financing.
Many of our clients have complex financial affairs, as a result of the tax planning strategies and structures that they utilise. With a deep understanding of the credit approval process, our team can ensure that appropriate information is presented to a lender in a way that will give the application best chance of being accepted. Working on behalf of our clients, we make sure that we obtain the most competitive interest rate available from the lender, with the minimum amount of security offered, with a structure that is appropriate.