Holistic Financial Advice
To define ‘holistic financial advice’, we must first consider the general make-up of personal wealth in Australia.
In total, Australians invest over 6 times more in property-based assets than in Australian equities. Financial services products represent less than 40% of Australians’ growth asset exposure (excluding business and other assets). Unfortunately, many financial advisers still focus their advice around financial services products, because these are the traditional source of their remuneration – through commissions.
Being truly holistic, Harts Financial Solutions’ advice encompasses your entire portfolio of assets including any business interests. Only by considering your affairs in their entirety can we recommend strategies to manage risks and improve your overall efficiency of wealth creation.
As your Private Wealth PilotTM, Harts Financial Solutions works closely with you and your other professional advisers to ensure that everyone is pulling in the same direction: yours.
We also aim to protect one of your most precious assets – your time.
Below are some of the areas we consider when providing you with holistic advice.
- Client attitudes & risk profile
- Cash flow management & planning
- Liquidity management & planning
- Gearing analysis & capacity utilisation
- Capital risk management
- Consolidated net asset position & balance sheet
- Corporate and tax structures
- Tax considerations & planning
- Income distribution strategies
- Capital gains management
- Small business concessions
- Business Succession Planning
- Foreign exchange risks
- Strategic asset allocation
- Investment selection
- Direct property strategies
- Property syndication
- Protected equity loans
- Personal risk insurance requirements
- Retail & self managed superannuation
- Super contribution strategies
- Borrowing through self managed super
- Retirement & Pension Planning
- Estate planning
To find out more about Our Advice Delivery Process, please click here.
If you would like to download a copy of our 16 page 'Take CommandTM' Corporate Brochure, please click here.