PA & M Financial Advisors

Transcription

1 PA & M Financial Advisors Helping you achieve your lifestyle and financial goals Corporate Authorised Representative of Securitor Financial Group Ltd ABN AFSL Lvl 12, 400 George Street Sydney NSW

2 What We Do Our goal is to help you achieve yours PA&M Financial Advisors aim to assist you in realising your lifestyle and financial goals. Pinker Arnold & McLoughlin Chartered Accountants have been offering over 90 years of combined tax and accounting experience. As of June 2000, PA&M Financial Advisors Pty Ltd was established to offer financial planning through our financial services. In order to help you achieve your goals we offer the following financial planning services: Specialist Superannuation Advice Retirement Planning Investment Portfolio Review Saving Strategies Estate Planning Advice Corporate Superannuation Advice Negative Gearing Advice Education Funding Strategies Personal Protection Debt Solutions

3 How We Do It PA&M Financial Advisors will assess all aspects of your financial situation and provide suitable advice to ensure you meet your lifestyle and financial objectives. Our commitment to you is: Determine the financial strategy that is best suited to you and your circumstances. Provide you with the best possible financial planning advice. Help you achieve your objectives in a time efficient and cost effective way. Help you build your wealth and enhance your lifestyle. Always provide you with a friendly and efficient service. At PA&M Financial Advisors we want you to feel comfortable and in control of your financial situation. We will explain clearly to you exactly how your investments and other aspects of your financial strategy will work and how you can benefit from them.

4 What are the Benefits? Understanding today s financial markets and complex superannuation/ retirement planning laws is no easy task. Any financial decisions you make today can and will affect the way you will live in the future and throughout your retirement. A financial planner can provide you with the knowledge, research and expertise that will help you with the following important elements of managing your finances: Superannuation Retirement Investing Budgeting Managing Debt Social Security Personal Insurance Protection There are many benefits you will realise from engaging a financial planner to assist you in the financial planning process, they include: Helping you make complex financial decisions and understanding their consequence Assisting to protect and build your income or investments Working with you to plan for major life changes i.e. retirement Helping you to identify your lifestyle and financial goals and whether they are actually achievable Ensuring you understand whether you are on track to meet your financial goals and objectives.

5 What to expect? The seven steps to your financial plan Initial Meeting: we will meet with you for a consultation, usually in our offices. Information Gathering: we will then collect all the relevant information we need to prepare your plan. Identifying Goals: we will help you identify your financial goals and objectives. Develop your Financial Plan: we consider strategies and relevant issues before developing our written recommendations. Present and explain Financial Plan: we will then have another meeting to discuss these recommendations with you. Implementation: with your approval we will then implement the agreed recommendations. Review: we conduct regular reviews of your objectives, financial situation and needs.

6 Why PA & M? PA&M Financial Advisors comprise of a qualified team of skilled and experienced Financial Planners and support staff. As such we can provide you with access to professional financial advice, ensure that all aspects of your situation are considered and develop an individual financial plan to help you realise your lifestyle and financial goals. We ensure we are giving you the best possible advice by having access to the best quality research on up to date investment information relating to Managed Funds and shares. Our continuing commitment to ongoing education ensures that we are also across any legislation changes or Government announcements that may affect you as well as the latest financial planning opportunities and strategies. We are authorised through SECURITOR Financial Group Ltd which gives us access to over 400 individual approved investment, superannuation and insurance products. PA&M Financial Advisers aim to provide you with the best possible range of strategies and products to meet your financial needs. At PA&M Financial Advisors we abide by a Client Services Agreement, which means we can offer you a wide range of services which we tailor to suit your needs. This Agreement will be discussed in detail with you when your financial plan is prepared.

7 WHAT YOU PAY? PA&M Financial Advisors appreciate that every client s situation is unique and our fees are structured accordingly. We run a fee for service business that does not base its remuneration on commissions from investments. We base all fees on what we do for you, not the value of your wealth. This is very important as you are not charged for your existing asset value, rather the value that we can provide to you through our service. Our fees are split into an initial advice fee and an ongoing fee, this will be explained fully in your first meeting with us. THE PA & M FINANCIAL PLANNING TEAM Colin McLoughlin and Grant Arnold are financial planners with over 50 years combined professional experience in the financial services profession. Colin McLoughlin has been a Chartered Accountant since 1970 and has been operating as a Financial Planner since Colin is very particular in ensuring that his clients are kept up-to-date with legislative and financial market changes as well as opportunities that may benefit them. His vision is to form long-term relationships with every client and help each of them achieve their lifestyle and financial objectives. Grant Arnold has been a Chartered Accountant since 1991 and became a Financial Planner in Grant believes that there are many benefits that he can provide to his clients in terms of planning for their financial future. Grant feels very strongly that many people do not fully understand the consequences of failing to plan their finances. His vision is to help all clients understand and realise the benefits of planning their financial future. FAILURE TO PLAN IS PLANNING TO FAIL

8 APPROVED PRODUCTS Through the SECURITOR range of approved products, we have access to more than 400 individual investments supplied by more than 30 of Australia s leading fund managers. All available products/funds have been researched extensively by Standard & Poors before making the approved list. Our Approved Product list includes, but is not limited to the following leading financial institutions. CONTACT US Office address Suite 1, Level 2, 420 Forest Road Hurstville 2220 NSW Postal address PO BOX 519 Hurstville BC NSW 1481 Phone (02) Fax (02) fiona@pam.com.au Corporate Authorised Representative of Securitor Financial Group Ltd ABN AFSL Lvl 12, 400 George Street Sydney NSW 2000 This information is of a general nature only and has been provided without taking account of your objectives, financial situation or needs. Because of this, we recommend you consider, with or without the assistance of a financial adviser, whether the information is appropriate in light of your particular needs and circumstances.