Wealth Management

At Intouch Wealth Management we believe planning for your financial future should be a positive experience and that's where we can assist. We can help you work through your financial goals and objectives to identify your options and provide you with tailored solutions.

We explore the possibilities for building a solid foundation and visionary plan so together we can create wealth, protect wealth, manage wealth and finally, transfer wealth.

This is only possible by spending the time to:

• Understand what concerns you and what drives you about your future
• Analysing the various possibilities for building your financial independence
• Monitoring and re-evaluating the direction of your plan

By taking control, you increase the likelihood that you will achieve your financial goals.

Create Wealth

You've built your career to a point where you are really starting to make some headway. Life is getting busy though - a new relationship, starting a family and raising the kids - not to mention committing to and paying off that mortgage.

There is quite a lot we can help you with - these are after all your earning years. Managing your money properly can make a big difference to your lifestyle both now and into the future.

Investment

Make the most of your savings outside of super. We can help you with a number of key issues.

• Savings and purchasing a house
• Cashflow management
• Accumulating wealth
• Personal gearing strategies
• Minimising CGT strategies
• Tax Effective Investments
• Inheritance

Superannuation (including Self- Managed Super Funds)

Make the most of it - what your employer contributes is only a part of the story to maximizing your super.

• Determining when and how much to contribute to super.
• Risk Profiling and investment choice
• Salary Sacrifice strategies
• Merits of contribution transfers to a spouse
• Striking the right balance for assets inside and outside super
• Is a Self-Managed Super Fund right for you?
• Divorce and super - what happens?

Protect Wealth

A good financial plan, designed to build and preserve capital, is of little value if it does not provide financial protection in the event that your income ceases.

Most people recognise the need to insure their cars and homes, but often place less importance on their greatest asset - their lives.

Personal Insurance

You work hard to build your assets - so it would be silly not to protect them.

Who needs it?

Death & TPD Cover - anyone who has debt and/or financial dependants.

Death & TPD cover provides a lump sum payment that can be used to:

• Clear your debts allowing you to pass on the full value of your assets to your loved ones.
• Generate an income stream so your family maintains their current standard of living

Income Protection Cover - anyone who is employed or self employed.

Income Protection cover allows you to receive an income (maximum 75% of your pre-tax income) if you are unable to work due to illness or injury. This allows you keep paying your mortgage and maintain your family's lifestyle while you recover.

Critical Illness Cover - anyone who has debt and/or financial dependants.

Critical Illness cover will pay a lump sum if you are diagnosed with one or more serious illnesses as such as cancer events, coronary events and other serious crisis events. By using this cover, families can receive a lump sum upon the occurrence of one of these events. This lump sum can be used to help meet a range of medical costs associated with ongoing treatment, reduce outstanding debt or pay additional costs such as child care and housekeeping while you recover.

Business Expense Cover - business owners with fixed business expenses and overheads.

Business Expense cover will allow you, the business owner, to keep on top of your ongoing fixed cost obligations if you are unable to work due to illness or injury. This can keep your business afloat while you are recovering.

Key Man Insurance Cover - business owners with key employees or business partners

Intellectual capital and leadership is the key to success of any business. The loss of a key employee or business partner may lead to considerable costs being incurred through loss of revenue and profit plus the time to recruit and train a replacement.

Manage Wealth

It is essential that your financial strategy is reviewed and refined regularly to ensure you stay on track and that your goals are achieved. Your plan should be adjusted to take into account changes in your personal circumstances and/or objectives, the economy, investment markets, and legislative changes (including tax and superannuation) and to enable you to take advantage of effective new strategies which will suit your objectives ongoing review of progress.

Transfer Wealth

Planning for the unexpected becomes more important as you transition to retirement. Seeking and implementing advice can provide peace of mind in the event of the unexpected.