Financial Planning
A financial planner is a qualified professional who helps individuals and companies meet their short and long-term financial objectives by analysing the client's situation and defining a program to help achieve those goals.
Corporate Services
Superannuation is an essential benefit provided to employees at a significant cost with employers contributing a minimum 9.5% of base salary towards the employee's superannuation benefit. Group insurance is another benefit to employees. There is an opportunity for employers to obtain greater value from these payments.
Mortgage & Finance
A mortgage broker is the person who liaises with the borrower and the lender (usually a bank), and negotiates the loan on your behalf. (borrower). They also research products on the market and then support you through the application and settlement process.
Insurance
Financial success requires not only the
accumulation of assets over the course of
your working life, but should also include
the protection of those assets.
• Life insurance
• Total and Permanent Disability (TPD) insurance
• Income Protection (IP) insurance
• Trauma insurance
Superannuation and SMSF
We take a considered approach to SMSF establishment, strategy and ongoing reviews. A thorough review of your situation and goals is conducted at the commencement of our work. This unique way of approaching your structure ensures that our recommendations are in your best interests.
Investment Strategy
When constructing your investment
strategy, you should consider strategic
asset allocation, risk modelling, risk
budgeting and active asset allocation.
If you're using Fund Managers, you
should consider which managers to use,
and in what configuration those
managers should be used.
This where we can add value to you by
helping you make the right choices.
Estate Planning
One of the most important decisions we make is to decide how to distribute our life's work upon death. Most of us want to help either our families or the community in some form as part of our estate legacy.
Retirement Planning
Retirement is one of the most important life events. Realising a comfortable retirement is a reward for a life-time of work.
Debt Management
We can help you build a strategy and
work with you to consider your options
to be debt free sooner.
Budgeting:
Setting up your personalised budget will
help you manage your money more
effectively. This powerful instrument will
help you get control over your finances.
Business Valuation
CBD helps small business owners
understand the ‘business value gap’.
Business value gap analysis is a process
of determining your retirement income
and assets, business value (current and
future) and strategies to improve
business profit and wealth.
Succession Planning
The major issues for business owners is considering their exit options. Those options include retention and extraction of capital and to what level they are extracted from the business. By maximizing the value of your business, you will be in a far better position to choose among the many different exit options.
Business Insurance
Buy/Sell and Key Man: Key man (also known as Key Person
Insurance) is a type of Corporate-owned
life insurance which insures an employer
against the death or incapacitation of a
so-called key employee, usually an
executive or partner.
Business Expense Insurance:
It allows the business owner to keep on
top of business expenses if they are
unable to work due to illness or injury and
to ensure that you have saleable asset to
return to work.
