For our clients with particularly complex and dynamic needs, our premium advice caters perfectly and is where you will get the most out of us as your financial advisors. This is where we can draw on all of our knowledge and expertise to apply it to your personal financial plan and working with your circle of trusted advisers, we can formulate a strategy or variety of strategies to help you confidently navigate your way forward, considerate of maximising growth outcomes, minimising tax outcomes and managing risk. 

The choice to work with Yield Financial Planning means a holistic assessment of your Financial Plan and we have outlined below what we consider for our premium clients, into nine categories.

 

Investing

  • Asset Management
  • Investment selection
  • Asset Allocation
  • Investing within your risk profile
  • Direct Shares
  • Direct Property
  • ETF's & M-funds
  • Borrowing to invest
  • Capital Protected Investing
  • Tax Effective & Specialised Investments

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SUPER

  • Self Managed Super Fund advice
  • All inclusive set up and ongoing management including tax returns and audit
  • Online management tools, reporting and support
  • Advice on funds with quality investment options
  • Salary sacrifice advice
  • Investment Advice
  • Financial Modelling & Projections

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Approaching retirement & retirement

  • Retirement income streams
  • Investment structuring suited to retirement — very important!
  • Balancing investments inside and outside super
  • Scenario Analysis and Forecasting
  • Advice on debt in retirement
  • Annuities
  • Advice to transition into a nursing home or retirement community

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risk protection

  • Financial support for dependents
  • Insurance: life/TPD, income protection and trauma
  • Self-insurance advice where practical
  • Advice on ownership of assets
  • Business Insurance and succession planning
  • Diversification of investments
  • Advice on cash buffers

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taxation

  • Strategic advice to minimise income tax
  • Strategic advice to minimise capital gains tax
  • Review how your assets are owned for tax purposes
  • Tax structures
  • Small business retirement exemptions
  • Depreciation for property investors

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finance

  • Cashflow Planning
  • Debt reduction strategies
  • Borrowing for SMSFs
  • Margin Lending
  • Protected Equity Loans
  • Geared Managed Funds

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structures

  • Asset ownership options including Personal; Trust; Company; Super
  • Directorship considerations for family business
  • Trustee considerations for Family Trusts and Self Managed Super
  • Beneficiary options to improve income splitting
  • Self Managed Fund suitability and advice

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MORTGAGE ADVICE & PROPERTY EDUCATION

  • Loan structuring
  • Identify competitive interest rates
  • Discuss property decision
  • Asset selection
  • Property education

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Estate Planning

  • Asset structuring to reduce tax for your estate  
  • Re-contribution strategies
  • Anti detriment planning
  • Recommendation to create or review your will
  • Testamentary trust suitability
  • Asset protection considerations and advice
  • Superannuation beneficiaries

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