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Financial Planning & Advice

Investments

We are authorised representatives of Professional Investment  Services Pty Ltd – an authorised financial planner – Australian Financial Services No 234951, and can give you advice on investing in listed shares, managed funds, superannuation and bank deposits etc.

We provide personalised, responsible advice suited to your own personal circumstances. We can assist you to develop your financial strategy, construct your investment portfolio and implement your plans. Our experienced team provide advice and service of the highest ethical standard.

We believe that you should not restrict your investment outlook and alternatives to just residential property and you need to look “outside the square” and consider listed shares and managed investment funds.

Managed funds and shares provide you diversification – both geographically and industrially. These investments provide a regular and growing income stream (usually paid to you half yearly)  as well as income tax advantages via dividend imputation and distributed fund capital gains.

We look at these types of investments as serious long term commitments that benefit your life and retirement, not a spur of the moment gamble on the next big thing that may keep you awake at night.

As accountants and tax agents, we can also advise on the most appropriate and tax effective structure in which your investments should be held (ie family trust, spouse’s name, self managed superannuation fund etc). We can also explain the practice of negative gearing and provide advice in this area analysing the tax benefits, the advantages and the disadvantages.

As “fee for service” providers of financial services we do not charge entry or exit fees and we are under no obligation to promote particular investments or services of any institution or product provider – we are not commission based.

Property

Many clients and investors prefer to invest in direct property – either residential or commercial property – to achieve their wealth creation and retirement planning goals.

When purchasing an investment property, it always pays to seek advice beforehand. We can run through the figures with you and advise you on the affordability, potential taxation deductions, capital gains tax and record keeping.

At Finlay Financial Strategies, our view is to provide opportunities for all of our clients in the area of wealth creation.

We are able to assist clients with investment advice, conveyancing services and taxation matters in relation to their direct property investments.

Self Managed Superannuation Funds - (SMSFs)  - can now, under strict conditions, borrow funds to purchase direct residential and/or commercial property.

Please contact us to discuss your property investment needs.

Cash Flow Management

A cash flow management system can help you monitor and manage your cash flow so that you can put spare cash flow funds towards assets that can produce future income, such as shares, property, managed funds etc.

Over time you can expect these income producing assets to grow and should eventually produce sufficient income to fund your living expenses - helping you to reach financial independence sooner.

By implementing a cash flow management system, you can keep track of exactly what you earn and what you spend. This will assist you in your wealth creation and/or retirement planning.