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WEALTH SERVICES
INVESTMENT PLANNING AND PORTFOLIO CONSTRUCTION
Investment planning is integral to the strategic development of our clients’ financial plans. We provide personalised Investment Advice that carefully considers your attitude to risk and investment objectives, whilst maximising your returns.
The Jtax Wealth Solution Advisors will draw on their wealth of knowledge to advise you on the most effective wealth creation strategies, giving careful consideration to your investment choices, appropriate investment vehicles, and tax effective investment strategies. We can tailor our specialist Investment Advice for you, depending on your situation, to include borrowing to invest, debt recycling and debt management.
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Achieving wealth is no accident; it must be designed to happen with sound Investment Planning.
Our goal is to provide the investor with an approach that is:
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Fully transparent – you know at all times what is happening with your investment portfolio and understand the basis of our recommendations
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Best practice – you receive advice on asset allocation, fund selection and fund manager review based on best practice approaches from informed Investment Advisors
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Guards against pitfalls – the most common mistakes an investor makes are concentrating too much of their wealth in one risk area and selecting managers who are less likely to have the potential to perform well. We will help you safeguard against these traps.
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Risk adjusted – we tailor each recommendation to ensure your tolerance for loss is balanced against your desire for improved returns in order to minimise future regrets
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Market sensitive – we ensure that your investment mix can change in accordance with value opportunities over the cycle
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Versatile – we can include your own existing or proposed direct shares and property into your portfolio design.
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In your control – at the end of the day you decide which of our recommendations to adopt. At all times, you are in control of your investments, every step of the way.
SUPERANNUATION ADVICE
Superannuation is one of the world’s most tax effective ways of investing to accumulate wealth for retirement. Tax concessions and other government benefits currently make it one of the best long term investment vehicles. The JTAX Wealth Solution team is well qualified to offer sound super advice to provide you with an effective superannuation strategy, helping you to take advantage of the various concessions available to superannuation investments and cut through the often confusing and complex superannuation legislation.
Our Super Advice Services Include:​
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Development of definable retirement goals in line with your future lifestyle expectations
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Advice in regards to existing funds and established funds
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Consolidation of funds to provide ease of tracking and reduce overall fees
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Selection of investment options, including a full Superannuation Investment Strategy
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Review and recommendations of insurance solutions
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Recommendation around salary sacrifice and non-concessional contributions to superannuation for asset protection, tax optimisation and wealth building.
RETIREMENT PLANNING
While Australia is a beautiful place to spend your retirement years, Most areas can be expensive places to live on a retiree’s budget. At JTAX Wealth Solutions we encourage our clients to “begin with the end in mind” as our consultants work hard to tailor your financial plan. Whether this means achieving financial independence at a certain point in life or retiring at a given age, retirement planning is imperative to retain a prosperous lifestyle.
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Our retirement planning advice will cover how much you need to retire on and if you are on track to meet your financial goals. Our highly qualified Retirement Planning Consultants will look to the most tax effective retirement strategies and income stream solutions, as well as providing the flexibility you need in the lead up to retirement.
The Retirement planning we will put in place for you will:
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Maximise Centrelink payments through tailored planning techniques
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Maximise the benefits of your superannuation concessions
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Organise your affairs to minimise tax by working with your accountant to take advantage of the latest tax strategies
LIFE AND WEALTH PROTECTION
Protecting your wealth is an important part of our holistic financial planning service that JTAX Wealth Solutions can provide. Our tailored Insurance Advice and Wealth Protection solutions provides the right cover required to protect you and your family should the unexpected occur. We also consider your needs to provide Wealth Protection through appropriate structuring of assets through trusts or companies and will refer you to legal professionals if required to assist in their establishment.
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Choosing the right type and the right amount of insurance can help to make sure that if anything were to happen, you and your loved ones would be looked after financially.
It is important to remember, as your life changes so do your insurance needs. Holding a mortgage, having children and getting married are all factors that increase your financial responsibilities. So you’ll need to review your insurance cover as your situation changes.
There are four types of insurance you should be aware of:
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Trauma cover: After suffering a traumatic event, trauma cover can relieve your financial worries and let you focus on your recovery.
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Life insurance, also known as death cover, is especially important for those that have others relying on them, or have large debts like a mortgage. Life insurance provides a lump sum to your beneficiaries if you die.
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Total and permanent disablement or TPD: If you were to become disabled and unable to work again, TPD cover provides you with a lump sum payment to help you financially.
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Temporary salary continuance cover or income protection. Income protection insurance can give you peace of mind that if you were unable to work due to illness or injury, your family and the lifestyle you’ve built can be financially protected until you are ready to return to work.
SELF MANAGED SUPERANNUATION FUNDS
Self-managed superannuation funds (SMSFs) can provide a great deal of flexibility in retirement, but along with that flexibility comes a great deal of regulation. Managing your own superannuation fund can therefore be a complex and time-consuming task.
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The Jtax Wealth Solutions Team has developed considerable expertise in this highly complex area. We have Self-Managed Super Fund Association Specialist’s (as accredited by the Self-Managed Super Fund Association) on staff.
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At Jtax Wealth Solutions we assist clients to understand their obligations and provide practical advice in operating Self-Managed Super Funds.
Our services include:
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Advice to both existing funds and established funds, depending on the client’s requirements
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Comprehensive advice on the ongoing management and compliance of the fund
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Working closely with the fund trustees and providing on-going education
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A quarterly/half yearly review service to maintain the fund
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Ongoing communication with accountants and lawyers in regards to the fund
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Investment advice
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Estate planning considerations
FINANCIAL PLANNING
Your financial plan is designed to guide you through important milestones in your life and help you achieve your long-term financial objectives. We work in partnership with our clients to develop a comprehensive financial strategy that progressively accumulates wealth for their financial security.
Our financial advisory services encompass:
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investments
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superannuation
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retirement planning
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wealth management
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self-managed superannuation
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estate planning
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insurances
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mortgage broking
Jtax Wealth Solutions has a unique, Financial Advisor and Associate which ensures that clients always have at least two people they can contact directly for their enquiries. The Advisor is responsible for setting the overall strategy for clients and providing advice. The Associate Advisor oversees the implementation of the financial plan and ensures it is completed as smoothly and quickly as possible.
We will work closely with you to deliver recommendations on the steps you need to take and keep you on track to realising your better tomorrow. Find about more about the steps of the advice process.