Financial
 Planning

Packages

While we recognise each client has a unique set of circumstances and requirements, we do have some general packages available depending on your situation which are then customised to your needs they include: 

Wealth Protection

When planning for the future, no one likes to think about all the bad things that could happen that can ultimately throw a whole life’s savings and hard work down the drain in a single day. We so often hear the phrase ‘it won’t happen to me’. However, the truth of it is no one knows what will happen to us (let’s face it – the statistics are against us!) and so, the best thing you can do right now is to protect yourself against this unknown.

Our Wealth Protection service package is designed for those who are looking to address their life insurance needs, specifically, protecting your financial wealth and lifestyle objectives. Whether you are a young independent, a professional, a business owner or responsible for a family, we will be able to look after your specific personal and/or business needs.

The most important question: ‘What will I get out of this package?’

  • Peace of mind.
  • An adviser who understands the life insurance industry and who will be there for you when needed.
  • Financial protection for you and/or your family/business partner(s) from your illness, injury or death.
  • We liaise with the insurer(s) on your behalf.
  • The best outcome possible at both application and time of claim resulting from our relationship with a range of insurers.
  • Choices.
  • Unlimited guidance and assistance in respect of your life insurance portfolio whenever you need it.
  • Relief from burdensome paperwork – we will take care of it all.
  • Appropriate cover as your circumstances change and you move through your different stages of life.
  • Ongoing education.
  • Access to the best products at a competitive price.
  • No hidden surprises at time of claim – know what you are covered for.
  • Referrals to other quality professionals i.e. lawyer, accountant, mortgage broker, etc.

Wealth Protection Service Package – what’s included?

  • We provide full monitoring and assistance with the implementation of insurance recommendations to make the process as seamless as possible for you.
  • An annual review of your entire life insurance portfolio where we will review each of your policies, provide recommendations (if needed) and provide you with an updated insurance schedule.
  • As a valued client, you have access to our team to answer any questions relating to your insurances held with us.
  • In the event of a potential claim, you will have our full assistance to guide you through and ensure that you understand every element of the process.

Wealth Builder

Our Wealth Builder service package is perfect for those who are looking to get financially savvy! Whether you are starting out or have smaller amounts to invest, this package will provide you with a high quality environment to help grow your funds and get you started on your financial journey. It will give you the tools to achieve your personal goals. Our Wealth Builder service is restricted to clients who have no more than $150,000 to invest and relatively straight forward financial affairs.

The most important question: ‘What will I get out of this package?’

  • Full guidance and assistance with getting you started on your financial journey – we will provide you with a snapshot of your current situation and make tailored recommendations to help you achieve your goals.
  • Establishment of your financial foundation.
  • Ongoing education so that you can make better informed decisions and be accountable for your finances.
  • Help with creating a budget and managing cash flow – we’ll provide you with a simple, yet effective, template for free.
  • The ability to effectively manage tax.
  • A meeting with your adviser each year to make sure you are on track.
  • Confidence that your superannuation fund is not ripping you off with excessive fees.
  • Research and recommendations on whatever investments interest you and some that you may not have considered.
  • Access to your adviser and to our team for any questions you might have in respect of your life insurances, strategies or investments whenever you need it via email or phone.
  • Updates to your strategies as legislation changes.
  • Referrals to other quality professionals and services i.e. online share trading account, mortgage broker, lawyer, accountant, etc.

Wealth Builder Service Package – what’s included?

  • Automatic access to the features and services of the Wealth Protection package.
  • An annual meeting with your adviser to discuss your situation and to provide you with a report on your current investment portfolio.
  • Tailored advice to help you achieve your personal goals, including advice on:
    • personal risk management
    • super consolidation
    • debt management
    • effective tax management
    • budgeting/cash flow assistance (including access to a template)
    • Centrelink/social security payments
    • investments (passive allocation dependent on your risk profile).
  • Guidance on Estate Planning issues.
  • Rebate of all investment and superannuation commissions where possible.
  • Provision of a quarterly newsletter.
  • Online access to our Wealth Builder client education videos.

Comprehensive Wealth Management

Our Comprehensive Wealth Management service package is about ensuring that all aspects in your life are in order and on track to meet your goals.

This package is designed for those who have established financial foundations, maybe your affairs have become somewhat complex, and you are looking to take that next step. We have the expertise to ensure that no stones are left unturned when it comes to giving you strategy recommendations and investment advice to put you ahead of the pack, no matter how complicated your affairs are.

The most important question: ‘What will I get out of this package?’

  • Extensive review of your situation every year to make sure you remain on track relative to your financial objectives.
  • Holistic overview – not just investments! This may include strategies to effectively manage tax, planning for retirement, business succession planning, etc.
  • Proactive advice – we will provide you with recommendations during the year relating to any corporate actions, share purchase plans, share buybacks, changes to research ratings that apply to managed funds, and reinvestment of funds where appropriate.
  • Saving of time and hassle that can come with managing your finances by yourself – we take care of all the paperwork!
  • Ongoing education, including provision of a quarterly newsletter and an invitation to our fully catered annual client seminar event.
  • Ongoing contact with your adviser.
  • Access to GREAT people – our advisers differ in personality and specialisation and we have a smart and committed team supporting them.
  • Referrals to other quality professionals i.e. lawyer, accountant, etc with the ability to liaise with them on your behalf.

Comprehensive Wealth Management Service Package – what’s included?

  • Automatic access to the features of the Wealth Protection and Wealth Builder service packages.
  • A formal, comprehensive annual review of your strategies and investment portfolio, which includes a meeting with your adviser as well as the preparation and presentation of an updated financial plan based upon your changed financial circumstances, updated goals and any changes to legislation if required.
  • Tailored advice to help you achieve your personal goals, including advice on:
    • effective tax management
    • asset and lifestyle protection
    • business succession planning/business exit strategies
    • retirement planning
    • Wills and Powers of Attorney
    • social security
    • debt reduction/elimination
    • capital preservation
    • helping your children/gifting to family
    • investments – tactical asset allocation (research shows that this is a bigger determinant of investment returns than individual investment selection).
  • An annual review of your estate planning arrangements.
  • An annual review of your asset allocation to ensure that you remain invested appropriately according to your attitude to risks.
  • Full review and assistance with the implementation of insurance, investment and superannuation recommendations.
  • Preparation of a Financial Model when there are significant changes in your circumstances.
  • Provision of a half-yearly update of your portfolio.
  • Provision of a quarterly newsletter.
  • An invitation to our catered annual Wealth Management client seminar event with a guest speaker. 

Optimum Wealth Management

As the name suggests our Optimum Wealth Management service package is designed to give you the optimum chance of producing the best possible results. Optimum Wealth delivers a package of services designed to provide you with the highest level of activity, guidance and reassurance.

This service is restricted to a limited number of clients who enjoy the highest level of care and attention.

The most important question: ‘What will I get out of this package?’

  • The highest level of service with full access to our smart and committed team.
  • Extensive review of your situation every 6 months to make sure you remain on track relative to your financial objectives.
  • Hands on guidance and assistance with your estate planning arrangements.
  • Active investment service to give you the optimum chance of maximising your returns.
  • Low brokerage on share transactions.
  • Ongoing education, including provision of a quarterly newsletter and an invitation to our fully catered annual client seminar event.
  • Referrals to other quality professionals i.e. lawyer, accountant, etc with the ability to liaise with them on your behalf.

Optimum Wealth Management Service Package – what’s included?

  • Automatic access to the features of all our service packages including Wealth Protection, Wealth Builder and Comprehensive Wealth Management.
  • A formal, comprehensive review of your strategies and investment portfolio every 6 months, which includes a meeting with your adviser as well as the preparation and presentation of an updated financial plan based upon your changed financial circumstances, updated goals and any changes to legislation if required.
  • Tailored advice to help you achieve your personal goals, including advice on:
    • effective tax management
    • asset and lifestyle protection
    • business succession planning/business exit strategies
    • retirement planning
    • Wills and Powers of Attorney
    • social security
    • debt reduction/elimination
    • capital preservation
    • helping your children/gifting to family
    • investments – ongoing, proactive advice.
  • A meeting with you and your Estate Planning lawyer where appropriate.
  • Full review and assistance with the implementation of all recommendations, including Estate Planning recommendations or changes.
  • Annual update of the Financial Model based upon the changed facts, circumstances and legislation.
  • Provision of a quarterly update of your portfolio.
  • Provision of a quarterly newsletter.
  • Invitation to our catered annual Wealth Management client seminar event with a guest speaker. 

EMFS is a  corporate representative of Edwards Marshall Advisory Pty Ltd (EMA), ABN 18 600 878 555, AFSL 479792. Edwards Marshall Advisory Pty Ltd holds the licence to provide financial planning services and product advice. EMFS has four individual authorised representatives of Edwards Marshall Advisory Pty Ltd. They are James Scott-Young, Alana Lesan, Grant Edwards and Steven Wild.