Your financial fitness coach

Transcription

1 ENABLING SUCCESS AND LIFE GOALS Your financial fitness coach Helpful advice and coaching at the level you want Assistance where needed in selecting and/or placing investments Enablement for you to grow in your investment knowledge and abilities Tools are provided to enable you to get the job done Simple fee for service structure, affordable for the average person Grace Financial Services Pty Ltd James Massey Authorised representatives of HNW Planning Pty Ltd AFSL

2 about Our values Why choose Grace? Financial planning services with a difference! Affordable for ordinary people Christian ethics and a culture of empowerment Ease of access: our office, phone, or Skype Unlimited phone and support with the financial fitness programme Financial tools provided Small group training available Our director: Jim Massey Former automotive engineer Highly experienced in financial planning Former Manager of Financial Planning at Universal Financial Planning in Maitland, NSW Author of several ebooks re. financial affairs and Christian living Active in Christian service Qualifications include: Bachelor of Mechanical Engineering, Master of Divinity, Graduate Diploma of Financial Planning and Senior Associate of Finsia For more details about Jim and the services he provides, ask for our Financial Services Guide. Integrity and honesty are foundational essentials Our success comes only when you have achieved yours Risk must be managed prudently no get rich quick schemes Clear communication is essential we first listen and seek to understand God watches all that we do, and we will all answer to Him one day Our responsibility is to know the facts. If there is something that we don t know that you need to know, you will not be charged for our research. You only need to pay for the service. Generosity requires a degree of wealth, however, we are only custodians of that wealth. Everything we have ultimately belongs to God Himself. It is good and honourable to generate wealth by legitimate means. Our authority James Massey and Grace Financial Services Pty Ltd are authorised representatives of HNW Planning Pty Ltd AFSL Get rich slowly! If an investment looks too good to be true, it probably is! Investing a consistent surplus over time delivers great results! Grace enables wealth growth!

3 services Full range of financial planning services with flexibility Get what you need, when you need it! For those who want the best value and outcome, join our financial fitness programme. It starts with a checkup; then you can stay in good financial shape with the ongoing financial fitness programme. $365 financial fitness checkup Two 1 hour meetings included Needs and goals established Current position established Target pathway document produced and presented Identifies ongoing targets for achieving your lifestyle and retirement goals Shows you where you currently are with reference to your target path Prepares the way for further advice and provides a benchmark for measuring progress financial fitness programme Affordable - Less than the cost of a cappuccino a day! Three meetings per year Ongoing investment advice provided Discounted investment placement and administration Unlimited telephone and support Free admission to small group investment training sessions Annual update of Financial Fitness Checkup once-off services Life insurance review, including life, TPD, trauma and income protection insurance Superannuation consolidation Self Managed Super Fund (SMSF) advice Salary packaging advice Estate planning advice Small business owners financial planning advice Transition to retirement advice Retirement income establishment Reverse mortgage advice Property investment advice and research ongoing services SMSF management - investments & strategy Life, disability, trauma and income protection insurance - discounted rates - rebates provided towards annual membership Cash flow management coaching Small group training sessions - Cash flow management and budgeting - Managed fund investing, Share trading - Superannuation For more details, ask for our Financial Services Guide

4 making a difference Money management and more! Budgeting, life insurance, investing, superannuation are just the beginning! Financial planning is a lot more than getting prepared for retirement. We can assist you in managing life risks and your family cash flow. Investing in shares, managed funds, property are made easy and understandable with Grace. Self-Managed Super Funds and other superannuation options are made possible with help from Grace Financial Services! Pre-retirement Personal insurance Income protection, life, trauma & disability insurance Cash flow management Budgeting for lifestyle and other goals Debt reduction Eliminating ongoing credit card debt, paying off the home loan Tax management Paying only the tax required, turning tax into investments Investment growth Wise investments not get rich quick schemes Kids financial training Win-win family financial outcomes as you pass the baton Small business matters Unique solutions for those in small business including tax concessions and business funding Estate planning Now is the time to get your will and powers of attorney in order Transition to retirement Salary packaging Novated leases and other tax effective salary package options Salary sacrifice to super Tax effective ways to build your superannuation Self-Managed Super Funds Establishment and monitoring Pre-retirement pensions Turning tax into retirement benefits Family trusts Multi-generation investing to benefit family groups and charities Estate planning Time to double check your will and other estate planning matters. Make sure your estate isn t sucked up by taxes and fees, and that it goes to the right ones! Retirement Retirement income streams Setting up your retirement income with minimal fees or tax Maximise Centrelink benefits Optimise retirement income and benefits from all sources Managing risk Avoid risky investments and consolidate your benefits Estate planning adjustments Avoid paying additional tax associated with adult beneficiaries Leaving a legacy Consider making a difference for eternity

5 Office location We are located in the Toronto central business district across the street from Commonwealth Bank, above Mission Australia. If it is more convient for you, we can arrange to have a consultation over the phone or on Skype. Suite 2 / 35 The Boulevarde Toronto, NSW 2283 Phone Fax Please phone for an appointment Grace Financial Services Pty Ltd and James Massey Authorised representatives of HNW Planning Pty Ltd AFSL