Wise Financial | Private Wealth
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Private Wealth

Private Wealth

We offer advice to our private clients to achieve their lifestyle and investment goals. These areas of specific advice are some of the tools we use to create your financial strategy.

Estate Planning

Often disregarded, estate planning is one the pivotal components to a holistic financial plan. We offer clarity on the potential impact to your finances when you pass away.

With specialist advice, you can identify and protect what is important to you, your family and extended relationships.

Through our professional network we can refer you to a specialist for advice in documenting the following:

 

  • A Will
  • Powers of Attorney
  • Testamentary Trusts
  • Enduring Guardianship

We can assist you with:

 

  • Superannuation Beneficiary nominations
  • Preparing for your meeting with a legal expert

Changes to your family and relationships can affect your Estate plan. It is crucial that your plan is updated to be in line with your affairs. WISE Financial Services can assist you in obtaining legal advice.

Personal Insurance & Protection

Protect your lifestyle and personal cashflow. Income Protection can provide an income stream if you are unable to work due to illness or injury.

If you suffer a serious illness or trauma, such as heart attack, stroke or malignant cancer your financial situation may be severely impacted. Critical Illness Insurance (or Trauma) can provide a lump sum to help support you and your family in the acute setting.

The financial burden of becoming disabled and never being able to work again is significant. At a younger age the impact is compounded by a longer life expectancy. Total and Permanent Disability insurance provides a lump sum to your family if you are not able to work again due to significant disability.

Personal Life Insurance provides a lump sum in the event you pass away. This offers your family with financial security against the risk of early death.

  • We manage your insurance claim for you. Our team has extensive experience in facilitating insurance claims with retail insurers and super funds.
  • We don’t pick and choose. Whether you are an existing private client, family member, friend or acquaintance, WISE Financial Services is on your side to assist you with negotiating your claim.

Self Managed Super Funds

This complex tax structure can often be the most rewarding way to save for retirement. Both from an investment perspective along with the sense of achievement and satisfaction derived from managing your own affairs.

Direct Property investment using funds held in superannuation can only be achieved through a Self Managed Super Fund. There are a number of considerations to make before buying your investment property. These include:

  • Personal Insurance to maintain liquidity in the fund
  • An understanding that an SMSF is not a cure for a poor investment decision
  • Estate planning issues
  • Retirement planning required for those nearing cessation of work
  • Exit strategy
  • Managing ongoing costs and fluctuations in rental income

Retirement and Investment Planning

Wealth accumulation is a constant balancing act between managing cashflow and building your capital. At retirement this becomes more complex as you protect your assets not only from poor investment decisions but the increased load brought about by lifestyle costs.

WISE Financial Services offer clarity on what your financial situation is likely to look like:

  • on your current trajectory towards retirement
  • and what changes you need to make to help you achieve your lifestyle goals.

We invite our private clients to work with us to review their retirement and investment plans on an ongoing basis.

Contact us now to discuss your financial future

DISCLAIMER         COMPLAINTS         PRIVACY STATEMENT

Timothy Hannes and Wise Financial Services Pty Ltd atf TMH Family Trust trading as Wise Financial Services are Authorised Representative of Synchron AFS License No. 243313.

Unless specifically indicated, the information contained in this email is general in nature and does not take into account your personal situation.

You should consider whether the information is appropriate to your needs, and where appropriate, seek personal advice from a financial advisor.