Services

McPherson Investment Consulting Pty Ltd provides a range of financial planning services to our cilents, including:

Please click on the service for further information.

 

Wealth Accumulation Strategies

Wealth accumulation is an ongoing process throughout your life.  It may include saving for an overseas holiday, a car or that "special day", through to repayment of your mortgage or providing for your retirement.

Our advice will help you understand the wealth accumulation strategies available and how we may be able to assist to identify relevant strategies for you, taking into account your lifestyle and financial objectives.

Wealth accumulation strategies can include the following:

  • Cash flow analysis
  • Debt management
  • Savings and investment options
  • Regular investment plans
  • Investment gearing and borrowing
  • Superannuation contributions
  • Structural advice

If you would like more information on our wealth accumulation strategy services or would like to discuss how we can help you, please contact us.

back to top

Investment Portfolio Advice and Management

We offer a range of investment services to suit your individual needs, ranging from comprehensive investment strategy development and management through to limited once-off advice.

Our investment advice typically comprises two elements, being:

  1. Strategy advice; and
  2. Specific investment recommendations.

Investment strategy advice is an important part of the advice process and requires consideration of your individual circumstances, including:

  • Tolerance to risk
  • Investment goals
  • Lifestyle goals
  • Investment time horizon
  • Liquidity and cash flow requirements
  • Investment structure

Once the strategy has been formulated, we then recommend specific investments tailored to meet your individual needs.

As a privately owned and managed financial planning practice, we have the flexibility to provide advice on a wide range of investment products, including (but not limited to):

  • Cash accounts
  • Term deposits
  • Listed securities
  • Exchange traded funds
  • Managed funds
  • Wrap accounts and platforms
  • Separately managed accounts (SMAs)
  • Property

Further, we are also able to provide advice on investment lending.

If you would like more information on our investment portfolio advice and management services or would like to discuss how we can help you, please contact us.

back to top

Superannuation

We offer a range of superannuation services, ranging from simple, once-off to specialist self-managed superannuation fund strategies.

Compulsory employer superannuation contributions means superannuation will often be a significant asset and an important element of your retirement strategy.  Accordingly, it is important to ensure you are maximising the benefits of superannuation.

As specialists in superannuation, we can provide advice on all aspects of superannuation, including:

  • Superannuation structures, including industry funds, retail funds and self managed superannuation funds
  • Contributions, including salary sacrifice strategies
  • Pension strategies
  • Transition to retirement strategies
  • Investment options
  • Self managed superannuation fund compliance
  • Estate planning considerations for superannuation and pension accounts

If you would like more information on our superannuation services or would like to discuss how we can help you, please contact us.

back to top

Retirement Planning

Retirement planning is all about the organisation of your assets and savings into a plan which aims to satisfy your lifestyle and financial goals in retirement.

Things to consider when making retirement planning decisions include:

  • What income do you anticipate you will require in retirement?
  • How will superannuation contributions, investment options, fees and your retirement age affect your retirement income?
  • What actions can you take to boost your retirement savings?

The earlier you start planning for your retirement, the more options you are likely to have.  Accordingly, your retirement planning may include the following strategies:

  • Salary sacrifice
  • Superannuation guarantee top up
  • Deductible and undeducted superannuation contributions
  • Commencing a superannuation income stream whilst continuing to work (known as a transition to retirement pension)
  • Commencing a superannuation income stream on retirement
  • Investment of business disposal proceeds, including the consideration of the small business CGT concessions
  • Eligibility for Centrelink entitlements

If you would like more information on our retirement planning services or would like to discuss how we can help, please contact us.

back to top

Life Insurance

Life insurance is an important element of the financial planning process to ensure you and your family are protected in the event of death, accident or illness.

As part of our life insurance service we will review your personal situation to determine what level of insurance, if any, is required and provide tailored advice suitable to you and your family.

The different types of insurance that are considered as part of our insurance service are:

  • Term life (death)
  • Total and permanent disability (TPD)
  • Income protection / salary continuance
  • Trauma / critical illness
  • Business expenses

Group Insurance

As part of our insurance service we can provide advice on group insurance policies.

If you would like more information on our insurance services or would like to discuss how we can help you, please contact us.

back to top

Business Succession Planning

Business succession planning is an important element of all business plans and should be considered well in advance of any proposed changes.  Whether you plan to sell your business, transfer it to a relative or are forced to retire for health reasons, there are a number of considerations, including:

  • Structural advice
  • CGT small business concessions
  • Buy / sell agreements
  • Life insurance
  • Superannuation concessions

We can work with you to ensure your business is appropriately structured for the best outcome.

If you would like more information on our business succession planning services or would like to discuss how we can help, please contact us.

back to top

Estate and Succession Planning

Estate and succession planning is not as simple as the preparation of a will. A thorough and complete estate plan will provide for the control of assets as intended and for decision making capacity in the event of incapacity.

Whilst preparation of a will is an important element of estate and succession planning, consideration also needs to be given to whether your situation requires a more complex approach, which may include the following:

  • Testamentary trusts
  • Superannuation
  • Detailed estate planning strategy document
  • Power of attorney
  • Guardianship arrangement
  • Advanced health directive

We do not provide legal advice, however, we can identifiy areas requiring attention, and where requested we can provide a referral to a solicitor.

If you would like more information on our estate and succession planning services or would like to discuss how we can help you, please contact us.

back to top

Financial Services Guide

The Financial Services Guide (FSG) for Allan McPherson, Blake Stone and Sara Stephens, as advisers and Authorised Representatives of McPherson & Associates Pty Ltd through McPherson Investment Consulting Pty Ltd, are available if you contact us.

An FSG should assist you to:

  • Identify who the adviser is and how they can be contacted
  • Identify the financial services the adviser is authorised to provide
  • Understand how the adviser (and any of their related entities or associates) will be remunerated for the services they provide
  • Understand who is responsible for the advice you receive
  • Identify our internal and external dispute resolution procedures

back to top