Areas of Advice

Areas of Advice

As your wealth increases and life throws up unexpected events, it is not unusual for your financial situation to become more complex. Using Total Wealth Planning's full spectrum of advisory services from strategic financial planning to trusts, philanthropy and asset protection, we support you to understand the options available. Then, where applicable, we implement the most suitable solution on your behalf.

We begin with a holistic analysis of your goals, assets, and liabilities with our ‘Three Circles of Responsibility,’ then move on to construct a bespoke plan detailing a solution that outlines how we can support you in remaining on track. It all starts with a conversation and then we consider your 'Now, 3, 10.' This is our proprietary life stage planning system designed to meet your specific needs. It is our relationships with industry specialists combined with our in-house capabilities that allow us to deliver wealth management advice in an efficient and client-focused manner. As our client, you will benefit from our sophisticated yet easy to understand approach.

Total Wealth Planning can also help you safeguard and transfer your wealth securely and tax effectively. We work closely in conjunction with accountants and estate planners. This approach provides you with convenience and comfort. With collaboration and communication between us and the other professionals and trusted advisers in your life, we can avoid you having to go over the same issues time and again. We can also work with you and your accountant to tailor strategies that manage your finances in the most effective manner.

We will work with you to seek and discover a ‘Better Way Forward.’

We provide advice in the following scenarios:

  • Wealth creation strategies
  • Retirement income planning
  • Trusts and intergenerational wealth advice
  • Portfolio optimisation
  • Asset allocation strategies
  • Protection Strategies
  • Cash-flow planning

Products & Services

Strategic Financial Advice
Your financial future is at the heart of our core financial advisory service. We work with you to develop, monitor and maintain a comprehensive, bespoke strategic financial plan that follows a defined path and responds to all the changes that life can bring. Our depth of experience and our proven client service process ensure the best possible outcomes.

Investments
TWP will help you navigate the complex world of savings and investment vehicles. We will ensure your portfolio reflects your risk appetite, optimises your tax position and aligns with your income and capital growth requirements. And we’ll reinforce this through annual meetings to assess performance and any required changes.

Retirement Planning
The complex rules and ever so changing superannuation legislation are the reason why many clients seek expert advice. Irrespective of the stage of life you are in, sooner or later a well-considered superannuation strategy will be critical in helping you to accomplish your retirement objectives. TWP can ensure you are advised on suitable ways to take advantage of all relevant opportunities and believe superannuation should be considered as an important investment vehicle earlier in life. For those of our clients that are moving into retirement or have significant pensions savings already. We can help you make informed choices around allowances and strategy, stay abreast of changing regulation and markets and plan to use these resources in the most tax-efficient and suitable methods.

Protection
We all want to be confident about our, and our family’s, financial security should we fall seriously ill or die. Too often a neglected element of financial plans; insurance should be considered an essential element of your financial strategy. TWP can assist with life insurance as well as critical illness, income protection, and permanent disability cover.

Power of Attorney
A power of attorney (LPA) authorises a person you trust to have legal control over your finances and health decisions should you become incapacitated by illness or accident. These risks clearly increase significantly with age. One of the basic building blocks of any financial plan, an PA is the second most important document after your Will.

Wills & Estate Planning
An essential component of managing your financial affairs, a will ensures your wishes are carried out, provides for the guardianship of any minor children, reduces the risk of family disputes, and saves time, money and stress for those left behind. At TWP, we can work with our partners or your trusted professional associates to ensure that you have the proper will in place.

L
Living & Learning
L
Living & Learning
You are forging your independence and taking on new responsibilities. Your aim is to no longer be financially dependent on anyone but yourself. You stand on your own two feet.
I
Independent Growth
I
Independent Growth
You have established your resources and are building a healthy disposable income. You are working to become debt free. In this stage you should already be planning and building for retirement.
F
Financial Stability
F
Financial Stability
Your resources are growing, and you will be building steadily towards or already enjoying a well-funded retirement. If you haven’t engaged with a financial planner it is certainly time to begin.
E
Estates & Legacy
E
Estates & Legacy
Retirement should represent a time to spend life doing the things that bring you the most happiness. However, estate planning should be a part of every stage of life from the LPA you register at 18 to the trust planning needed to protect your legacy.