Financial Advice

/Financial Advice
Financial Advice2018-09-14T15:22:29+00:00
Hales Douglass Financial Services team
We have our own Aust Financial Services Licence which means the decisions we make for your investments are made purely for your benefit only, plus we have freedom to choose from a wider range of options.
Professional, highly trained team for SMSF investment strategies and SMSF estate planning.
With our high level tax and self managed super fund expertise, our dedicated team of SMSF professionals, known as Your Super Solutions, specialise in the setup, administration, financial strategy, and estate planning of self managed superannuation funds.

  • Self Managed Super Fund (SMSF) Services:
  • Strategic Advice
  • Investment Advice
  • Estate Planning
  • Deeds – purchase & upgrades

Contact Adam Passwell on 1300 389 839 for further information, or email.

Successful Investment Experience

Our company’s investment philosophy has been developed from more than 20 years professional financial experience and the world’s most highly regarded academic research. Our core investment beliefs are summarised below:

  • Risk & return are related
  • Markets work
  • Asset allocation and structure determines portfolio performance
  • Diversification is the only free lunch for investors
  • Discipline is essential

In summary, logic and statistical evidence overwhelmingly favour an investment approach based on these principles. The returns are higher and the fees are lower and people’s investment outcomes are more likely to be achieved.

View further descriptions of our core service beliefs.

Investment Portfolio Philosophy

The performance of your investment portfolio and the way it contributes to your lifestyle goals is always our prime concern. Our portfolio construction process for all of our clients must be consistent, and based on the latest academic research available today. Read Hales Douglass’ complete Investment Portfolio Philosophy.

Our Financial Advisor can assist you to generate additional incomes and structure your tax position to create a comprehensive strategy that will help you realise the dream of owning your own home sooner.

The Structured Mortgage is an integrated finance and investment plan that is an innovative and financially rewarding alternative to the traditional mortgage.

With a basic home loan, the property owner repays the Bank the full interest and principal over a period of time of 25 – 30 years without any further benefit from this outflow of funds.With the Structured Mortgage the investor had an opportunity to make further use of these funds by taking advantage of Interest Rate differentials that exist in the market.

If you want the opportunity to repay your mortgage in less than half the time, in most circumstances, without increasing the frequency or the amount of repayments, contact Adam Passwell.

Our lifestyle is a very important factor in our everyday existence and at times it is an aspect that some of us take for granted until an incident occurs that compromises how we live.

This may be a result of an unforeseeable accident that reduces our financial earning capacity or worse still claims the life of a loved one. While it can be painful to consider the unsavory possibilities it is also smart thinking protecting your future and that of those that you care about most.

Life, Total and Permanent Disability, Income Protection and Trauma insurance ensures that you and your family’s quality of life remains the same no matter what the circumstances. Please contact Andrew Clegg for more information.

Superannuation is one of the most efficient and tax effective investment strategies available to accumulate money to fund your retirement. Your retirement savings grow because money is paid regularly, which your fund invests at low rates of tax. Tax concessions and other government benefits currently make super one of the best ways to invest for the long term. Super can provide you with the independence and flexibility to enjoy the retirement you are working towards. It is generally a tax effective method for:

  • accumulating money for retirement;
  • providing an income stream in retirement through investment in an allocated pension;
  • other benefits offered;
  • Life Insurance cover;
  • Total and Permanent disability insurance,
  • and some funds provide Salary continuance.

Please contact Adam Passwell for further information.

With our high level tax and self managed super fund expertise, our dedicated team of SMSF professionals, known as Your Super Solutions, specialise in the setup, administration, financial strategy, and estate planning of self managed superannuation funds.

Self Managed Super Fund (SMSF) Services

  • Strategic Advice
  • Investment Advice
  • Estate Planning
  • Deeds – purchase & upgrades

Contact Adam Passwell on 1300 389 839 for further information, or email.

For most people, looking after the family is a priority, particularly in the event of their death. It is very unlikely that a person or couple with significant assets, who has reached retirement or for some much earlier, has not adequately planned for the passing of their estate upon their and their spouse’s death. Certainly those families with good advisors – both legal and financial, generally have their estate planning wishes solidified in a strong plan early in the wealth accumulation phase of their lives.

One of the aims of estate planning is to deliver on the promise of looking after a client’s family, while minimising any future legal disputation. Legal disputes are common for many families, particularly in contesting wills or, where there is not a will, disputing over who gets what.

Estate planning is the process of planning and documenting wishes for the distribution of all assets owned and controlled at death. The preparation of a will and in recent times a SMSF Will is an essential part of the estate planning process.

Some questions for you to consider:

  1. Where are your current assets held? i.e. Trust, superannuation, company, joint names, etc.
  2. What will happen to these assets upon your death?
  3. What are the tax ramifications?
  4. Do you wish to pass on lump sums or income streams?
  5. What would happen to your funds if your spouse remarries?
  6. Is there a chance that your Will may be contested.
  7. What would happen if you lost your mental capacity?

It is essential that you receive professional financial and legal advice and we invite you to contact Adam Passwell today.

If you or a family member is considering moving into an Aged Care Facility, it’s vital to receive advice on the financial aspects, and how your circumstances and choices could impact the costs of Aged Care, your assets and estate planning.

Implications of Aged Care to consider are:

  • The family home
  • Centrelink benefits
  • Your assets & investments
  • Estate planning

The Aged Care process can seem like a complex maze to steer through, with multiple decisions to be made at an often very emotional time.

Jeanette O’Connor, our Aged Care professional, understands the system completely and can help guide you through the best financial options for your circumstances, accurately and compassionately.

Options and outcomes to consider are:

  • Funding Aged Care costs
    • without selling the family home
    • selling the family home
    • renting the family home
  • Centrelink / DVA payments
    • What’s the mean test?
  • Aged Care accommodation payments
    • what are the choices
    • what’s the best option for you
  • Government assistance

Structured financial plan
Jeanette will meet with you to discuss your personal situation and goals, and your income and assets. She will prepare an analysis, then provide an Aged Care Fee Assessment Report, which will outline several options regarding financial decisions, integrated with your family’s priorities.

This comprehensive and easy to understand report will provide a clear direction for you and your family. The scenarios presented will include outcomes for funding aged care costs, options for the family home, Centrelink payments, aged care accommodation payment choices, what additional aged care facility charges there may be, plus Government assistance eligibility options.

Cost
Fees start from $1600 + gst

About Jeanette O’Connor, our Aged Care Professional
Jeanette’s compassion, patience and understanding towards her aged care clients and their families, together with her experience as a Financial Advisor, (authorised rep 456468) provide reassurance within the often ambiguous Aged Care process.

Please email or call Jeanette on (02) 4455 5333 for more information, or to book an appointment.

Aged care related links:

AGED CARE – FAQs
AGED CARE – STEP BY STEP
AGED CARE CASE STUDY – Meet Donald
AGED CARE CASE STUDY – Meet Jane
My Aged Care

Related Links

Pricing Information

Financial advice costs depend on each particular situation. Please contact us to request a quote.

Contact Us Today

For more information, please call 02 4455 5333 or email Adam Passwell or Andrew Clegg.