Please reach us at contact@symmetryfinancial.com.au if you cannot find an answer to your question.
Yes! Everyone can benefit from financial planning. We can help you make your best financial decisions at any income or asset level.
Firstly, we attempt to get a thorough understanding of your financial position and goals. We will then review all of your existing cashflow, investments, assets and insurances and determine what is appropriate and what should be adjusted. We then make a series of recommendations in a Financial Plan that spells out exactly what you should do to optimise your position. We then provide administration services to implement the strategies and any other changes on your behalf. We will then typically monitor your investments and situation over time to make sure everything is optimised and on track to meeting your objectives.
The amount we charge for our advice will depend on the complexity of your situation. We offer a complimentary initial meeting to determine your needs and goals, and will then provide a quote based upon the information provided. The cost will typically range from $1,650 to $8,800. This fee can sometimes be deducted from your existing investments (if applicable), which can reduce your out of pocket costs.
Australian's who receive financial advice typically have larger super balances, feel much more confident about their finances, and also may live longer than non-advised people*. Whilst there are many intangible benefits of having an Adviser, we also often find that we end up saving our clients much more money than the cost of our advice, leading to positive outcomes for everyone.
We will work with you to help you establish the right balance of risk to reward for your investments.
Life insurance is an important part of planning your estate and protecting your legacy. Most people are either severely under insured, or are paying excessive amounts for the right level of insurance. We can review your insurance needs and make recommendations to ensure you are protected from whatever life throws at you, in the most cost effective manner.
We do not directly provide tax advice, however we are able to liaise with your Accountant to determine tax effective strategies and structures to improve your overall position. We do not provide tax return services.
An Accountant will typically only deal with your tax affairs, and can only provide advice in regard to your tax and tax outcomes. A Financial Adviser takes into consideration your entire financial position, which often includes Superannuation, Insurance, Tax, Cashflow and Investment Portfolios. A Financial Adviser will often take a longer term outlook on your entire situation and help guide you in all aspects of your finances. This can range from budgeting, reviewing your superannuation provider, or recommending and managing a complex portfolio of investments.
No, it is never to late to benefit from quality advice. Whilst retirement planning is our speciality, there are many things you can do after you've retired to make your lifestyle more comfortable, and to make your hard earned dollars last the distance.
Not at all, no one is too young to benefit from Financial Planning. As with compounding returns, the earlier you start making wise financial decisions, the better! Even if you do not have a large asset base, we can provide limited advice at discounted costs to point you in the right direction early on in your career.
Absolutely, Aged Care is a complicated area for many people, and how you choose to pay for care can have a big impact on your overall wealth. We can help take the pressure off an already stressful time by advising on the most appropriate way to fund Aged Care needs.
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