Investment Advice

Financial Planning Services, Superannuation & Retirement Planning, Separately Managed Accounts (SMAs), Managed Funds, Gearing Strategies

Financial Planning Services

Financial planning is a service that is about designing the ‘optimum’ way for you to structure your financial affairs. It is not about selling a particular product or products. In every circumstance there will be an ‘optimum’ way to structure yourself financially to set you on the right path to achieving your goals and there will be an ‘optimum’ strategy for investing your available funds to achieve those goals.

There is no cost for our initial meeting. At the initial meeting we jointly decide if you would like us to proceed with the preparation of a comprehensive financial plan for yourself (and your family).

Superannuation & Retirement Planning

Kelly + Partners Financial Services can develop superannuation strategies, including superannuation investment portfolios with varying risk and return levels.

When you retire, or if you are made redundant, you may be given funds requiring investment strategies and may therefore need the assistance of a financial adviser. The firm’s advisers can assist with the allocation of these funds and the most tax effective ways to save for retirement.

The help of an adviser at this point in your life will assist in meeting your goals for relaxation, security and peace of mind.

Separately Managed Accounts (SMAs)

Kelly + Partners Financial Services Separately Managed Account (SMA) service is designed for the investor who wants to tap into the advantages of professionally managed investment models and retain beneficial ownership of the assets held in their account.

Whether your investment objectives include incomes, growth or a combination of a few mandates, we can help you take a disciplined approach to investing.

We can offer both individual and institutional objectives an opportunity to benefit from the professional skills of affiliates and external investment managers. Leverage off their expertise and experience to develop superior returns. With the features of an ‘un-unitised managed fund’, you have the opportunity to gain access to the benefits associated with all direct equities including franking dividends.

You can do all this on a very cost effective basis.

Models available through the Service will vary in their investment strategy. Initially the SMA will invest in ASX listed securities. A typical investor portfolio is spread across a number of models and has a cash component.

Why choose an SMA?

The SMA service is an investment vehicle that provides beneficial ownership and is flexible and transparent. At the same time, as the service grows, it has the potential to pass onto investors the benefits of an investment scheme large enough to have high-volume transactions and the cost savings normally associated with them.

These features of transparency and flexibility are complements by the fact that the service applies blending at scheme and individual portfolio level and the service allows in-specie transfers into and out of models.

What are the advantages of SMAs?

The advantages of SMAs over other alternative investments are:

  • beneficial ownership
  • favourable taxation treatment
  • performance management
  • model portfolio selection
  • ASX diversification
  • Manager expertise

Managed Funds

The firm have access to a Wholesale recommended list that is actively managed and updated on a monthly basis of 200 funds, which spans across 35 fund managers both Australian and International fund managers. Our service provides clients with comprehensive up-to-date research reports that are easy to understand yet have the precise information to make an informed investment decision on investing into the desired market sector. We also have access to all Retail Funds across the Australian and International markets.

Gearing Strategies

Using your existing property, shares, managed funds, master trusts or cash as security, Kelly + Partners Financial Services will assist you structuring a Lending facility, which will lend you funds, as a line of credit. Below describes two types of gearing strategies where you can build a larger, more diversified, investment portfolio to increase your potential for wealth creation.

Determination of whether gearing is appropriate is not only dependent on the level of income and strength of assets, but also the level of risk a client is prepared to take. Gearing should only be considered with the correct professional advice from an investment adviser.

Gearing can be split into two types for our purposes:

  • STRATEGIC GEARING - where the investment portfolio is fully borrowed against, involves a high level of risk beyond most investor’s tolerance; and
  • TACTICAL GEARING - where the investment portfolio is partially borrowed against, involves less overall risk but suffers from investment inefficiencies and market volatility.

Mortgage Broking & Loans Advice

Tax Planning

Annual Tax Planning Review, Tax Effective Investment Strategies, Consolidated Tax Reporting

Annual Tax Planning Review

What is a tax plan?

A tax plan is a systematic and detailed approach to assessing, before the end of a financial year, what tax may be payable and implementing strategies to ensure tax compliance and tax minimization.

How can a tax plan assist you and your family?

Plainly a tax plan can help in the following ways:

  1. remove any nasty tax surprises
  2. generally review situation and implement tax minimization strategies
  3. ensure funds are in place to meet any tax payable and the source of those funds is effective
  4. understand in an integrated way the business and personal taxation situation

Kelly + Partners approach

The preparation of a tax plan need not be unduly complex nor time consuming. We undertake the process with you in the following steps:

  1. Engage to undertake Tax Plan
  2. Gather information
  3. Review information
  4. Prepare a proposed draft tax plan
  5. Meet with Client and Review proposed plan
  6. Finalise plan
  7. Client sign off

The process can be undertaken in less than two weeks when clients can meet as required.

Tax Effective Investment Strategies

Kelly + Partners Financial Services is known for its understanding and access to tax effective investment strategies.

Consolidated Tax Reporting

Kelly Partners work with clients to enwure that their investments and superannuation is held in an environment that facilitates effective tax reporting that allows active management of the client's tax position.

Insurance

Insurance Services, Risk Insurance (Income Protection, Term, TPD, Trauma), Key Person Insurance, Key Person Insurance

Insurance Services

Your most valuable asset is your health. None of us can predict the future, so it’s crucial to protect your family from the risk of catastrophic loss with a comprehensive, carefully chosen personal insurance plan, Kelly + Partners Financial Services can design a tailored risk management program that takes into account short and long term objectives and goals as well as your current position.

Risk Insurance (Income Protection, Term, TPD, Trauma)

Your Kelly + Partners Financial Services adviser can assist with financial structures which can help you protect your assets from events related to bankruptcy, divorce and other legal situations. In addition, they can also help you design an insurance portfolio which will provide your family with financial support and ensure your beneficiaries are well looked after.

Key Person Insurance

Kelly + Partners Financial Services advisers can provide business risk management and coordination services for partnership agreements and buy/sell agreements. Insurance services can also be arranged for key employees, who are important to the successful operation of your business.

General Insurance - Commercial and Domestic

Kelly + Partners Financial Services is a licensed general insurance broker. We have full access to the Australian insurance market and through partner arrangments to international markets such as Lloyds of London. With a detailed understanding of commercial risk management we can assist you to analyse your exposures and arrange appropriate policies to protect your business and personal property assets.

Estate Planning

Wills + Estate Planning Services

Wills + Estate Planning Services

Estate planning is the process by which an individual or family arranges the transfer of assets in anticipation of death. The aim of an estate plan is to preserve the maximum amount of wealth possible for the intended beneficiaries and flexibility for the individual prior to death. Preserving wealth unfortunately includes protecting wealth from any claims upon the estate by other disgruntled parties. We can assist in the design and implementation of an estate plan.

A Kelly + Partners Financial Services adviser can assist you with estate planning strategies, ensuring that your family and your estate are financially secure and protected for the long term. They can discuss issues such as personal protection, family trusts and even planning for the education of your children. Your adviser may also arrange assistance in the preparation of your will.