For any financial plan to be truly effective it must take into account all of your financial affairs, both business and personal, then be built on well conceived and practical wealth creation strategies flexible enough to allow for modification without undermining your key objectives.
Your financial wellbeing, both professional and personal, is most efficiently and cost effectively handled by a single firm. You will reap significant fiscal benefits from a partnership with an accounting firm that also provides professional financial planning services tailored to your personal needs, and true wealth creation for your business and its employees.
It is never too late, nor too early to initiate plans to meet both your immediate and future monetary needs. LBW professional Financial Planners work with you to create a bespoke financial plan that enables your existing resources to be utilised in the most effective way.
Your LBW financial plan will incorporate your personal goals, reflect you lifestyle aspirations plus provide for contingencies and regular reviews to keep you on track and in control. Comprising of complementary strategies your comprehensive plan will guide you through:
- Wealth Creation & Saving
- Retirement Planning & Superannuation
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- Wealth Protection & Insurance
- Tax Planning & Investment
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Make a start today by requesting information via
e-mail, phone (+61 2) 9411 4866 or complete an
on-line enquiry right now to secure an obligation free consultation with an
LBW advisor to review your financial needs, or simply ask for a Financial planner’s expert advice on issues that is troubling you or your family.
Our financial advisors are all certified by the Australian Financial Planning Association.
Your financial plan will be built from the information and instructions you provide to your LBW advisor during the initial planning interview. Your plan will then be documented, and thoroughly explained by your adviser who will put in plain words aspects relevant to your plan that include but are not limited to your:
- Existing assets & liabilities
- Current tax position
- Insurance policies
- Current investments
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- Current saving ability
- Retirement savings & superannuation
- Wills & estate planning
- Centrelink entitlements
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The central core of a sound financial plan will generally incorporate managed funds, they are simple and convenient savings vehicles, also known as unit trusts. A managed fund allows you to invest in assets that would otherwise likely be out of your reach, by pooling your resources into a single fund with like investors. Once you decide to invest in managed funds you set and control the amount you want to invest each month. Managed funds have a prospectus that allows you to see where it is investing, usually in a variety of assets including property, shares and fixed interest or a combination of these.
Investing in a managed fund also gives you the benefit of a professional fund manager. Fund managers have access to far more research and resources than the average investor, and therefore a superior knowledge of the investment markets. Whilst there are literally thousands of managed funds to choose from, your LBW advisor’s fund expertise, plus their intimate understanding of your personal goals will be essential to choosing a fund that reflects your risk profile, and is also aligned with what you would wish for yourself. There are managed funds for virtually every investment objective, your LBW advisor will direct you to the most appropriate.
LBW provide you with a suite of professional financial services so you get the most out of reaching your key objectives. They ensure that you have complete confidence in your ability to abide by your financial plan, and that there are related strategies in place that can adapt to meet unexpected or altered circumstances and enable your existing fiscal resources to be utilised in the most tax effective way.
You don't need a large lump sum to be able to create wealth. Wealth creation is a process of combining your current resources with investment strategies that will provide sufficient capital to meet your immediate or future monetary needs. Wealth creation strategies include the use of managed funds, savings plans, investing in shares and gearing options.
Essential components of your LBW financial plan are adequate provision to protect your wealth, and that provide an agreed financial benefit in the event of an insured occurrence. Without the correct balance of income protection, trauma, disability, life and business insurance, the wealth you’ve built can rapidly erode as a result of an accident, illness or death.
A proficient LBW chartered accountant is always able to provide advice on tax-effective investments and the many ways you can legally save on your taxes. Effective tax planning ensures that you have adequate time to review and amend your tax strategies well before tax time. Your LBW tax plan will ensure you take full advantage of:
- Maximum SMSF contributions
- As many deductions as you are legally able
- Tax effective investments
- Optimum deductible super contribution
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- Income protection premiums
- Deductible pensions & annuities
- Any Interest & fees on investment borrowing
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Making certain that your financial assets are working for you becomes crucial when you retire. That is why it is important that you plan and invest your money wisely. Retirement planning will assist you to manage your financial preparation for eventual retirement, so you maintain a regular income, and confidently enjoy retirement. A sound LBW retirement plan will help you to:
- Secure your assets
- Attain the maximum tax benefits
- Select the best superannuation
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- Obtain the maximum social security benefits
- Transfer your wealth tax-efficiently
- Plan your estate & make family provisions
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Once you have a financial plan in place your LBW adviser will review your plan every six months to ensure that you are not paying unnecessary tax, receiving poor investment returns or have inadequate protection for the family. This review service will project your future position with updated reports on your current portfolio, to keep you on track and in control.
Make contact via e-mail, phone (+61 2) 9411 4866 today or complete an on-line enquiry right now to secure an obligation free consultation so an LBW advisor can review your financial planning needs and explain the life long benefits of a sound financial plan.
LBW & Partners is a top Sydney chartered accountancy, auditing, business consulting and financial planning firm providing corporate business strategy, personal accounting services and tax planning advice to professionals. LBW’s CPA and chartered accounting services cover all aspects of your Australian business’ taxation including capital gains, payroll tax plus tax effective asset management and company audits. Unlike most Sydney accounting firms, LBW also extends personal tax minimisation, wealth creation and self managed superannuation advice in addition to corporate and management accounting needs for business on Sydney’s North Shore and across Australia.
LBW Financial Services Pty Limited is a Corporate Authorised Representative of Wealthsure Pty Limited (AFSL Lic. No. 238030)
The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, WealthSure Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action. Our Australian Financial Services Licence is provided by WealthSure Pty Ltd (AFSL No: 238030) the WealthSure AFSL applies to financial products only. Please note Finance, Mortgage Broking, General Insurance, Legal Document Drafting, Taxation, Real Estate & Business Coaching are not considered to be financial products.
