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Chris McMahon, CEO and founding partner. A WEALTH OF KNOWLEDGE. A WORLD OF POSSIBILITY. Partners Wealth Group is one of Australia s leading business and financial advisory companies. What makes us truly unique is our ability to provide you with a seamless, broad based product and service offering to meet all your financial, business and lifestyle needs. OUR APPROACH A SINGLE STORY, A COMMON GOAL Our approach is simple and disciplined. We focus on your goals and aspirations at every stage of your financial life. We look beyond your balance sheet to reveal what success will look like. Then we work with you to achieve it whether it s buying or selling a business, a house or planning your retirement. We make sure our values are not just good for business. We live them and offer a personal experience that genuinely puts you first and foremost and we help you cut through the myriad of product offerings and complexity that comes from dealing with multiple providers. Our people have legal, financial, property, business, lending and superannuation expertise that is second to none plus we have a depth of experience, knowledge and resources that very few companies in Australia can offer. We live in a dynamic world, where constant changes to legislation, technology and investment markets is now the norm. This requires a very different approach, which is why we are proactive in the provision of advice and regularly review the market and its impact on our client s position. With all that life throws at us it s easy to forget our dreams and lose sight of the world of possibilities before us. Dreams can get rusty, clouds can gather and we find ourselves pedalling backwards into the wind. But with skill, a little passion and an eye to the horizon, it is possible to draw a line in the sand and make new plans for the kind of outcome we truly want. The Beginning. Artist: Ross Wilsmore.
OUR PHILOSOPHY WHY GEESE DO MORE THAN LAY GOLDEN EGGS The philosophy behind how Partners Wealth Group works is taken from nature and is a critical part of our brand promise and service culture. Flying alone rarely achieves the same outcome as when working as part of a team, which is why geese fly in a V formation or echelon. Together they: Increase their capacity to fly 71% further than if they were flying solo Share their strengths and rotate leadership opportunities to ensure the team remains fresh, engaged, motivated and skilled Communicate effectively to stay on their flight path. By working in partnership with you and sharing a common direction, we share our considerable knowledge and expertise to support your financial and lifestyle goals. This creates better outcomes for you, your family and your business. HOW WE WORK WITH YOU In today s economic climate, you need seamless, comprehensive business and financial planning advice. It needs to be on target and come from people you know and trust. At Partners, we provide you with the scale, capacity and expertise to meet your needs from simple financial planning solutions through to more complex business, taxation, legal, property, financial and personal arrangements. More importantly, our holistic approach means you have all the legal, commercial and financial expertise you need without the hassle and cost of dealing separately with lawyers, banks, accountants, financial planners and brokers. BENEFITS WHY PARTNERS WEALTH GROUP? When you choose Partners Wealth Group, you not only have a dedicated advisor but access to a full team of specialists who work together to turn your financial and lifestyle goals into reality. You can talk to us about your retirement plan, home and commercial mortgages, income protection, superannuation, pension, business succession planning, self managed super funds and legal requirements all under the one roof. We are uniquely placed to deliver a full suite of business and financial advisory services, tailored to meet your individual needs. Our clients continue to do business with us because of the following benefits: Service packages which give you the flexibility of stand-alone financial, legal and lending services or fully-tailored packages to meet all your financial needs. The ease and convenience of working with a single organisation to achieve your financial and lifestyle goals and the ability to save time and money by coordinating across our business and financial advisory services. The right expertise and depth of experience, knowledge and resources that very few companies in Australia can offer. A proven track record in providing complete, intelligent solutions that drive the right financial outcomes for our clients. Specialist advice and consultancy services from a team of experts who can tailor financial solutions to suit every stage of your life. A holistic approach with access to broader products and services to explore, maximise and better manage your financial wellbeing. People whose financial, business, technical and legal expertise is second to none and whose experience and knowledge delivers on our promise complete, intelligent solutions every time.
As we go through life we experience different stages as our relationships and personal priorities change. Having a sound overall financial strategy requires you to recognise that constant state of change. So whether you are just starting out in your career, have a mortgage, run a business, are single, married, divorced or retrenched, have capital to invest or are looking to retire, we can tailor a financial solution to suit you. sage advice for every stage of life Young and starting out This is when it all starts to happen. You get your first job, first income, first super fund and first everyday bank account. You have no dependants and your priority is to further your career and maintain your social and recreational lifestyle. It s also the time of first commitments such as rent, insurances and debts (credit cards and personal loans). Will you save for a deposit on your first home or will you travel and work abroad or buy your first car? Things to consider Budgeting is critical! Try to avoid commitments which overextend your income. It s better to save for special purchases than to put them on your credit card and pay interest. Set realistic savings goals and stick to them (direct debits are perfect for this). The earlier you start, and the more disciplined you are, the sooner you will achieve your goals. We can help you with: Personal insurance including income protection and trauma insurance Budgeting and cash flow management Saving and debt reduction strategies Superannuation advice and strategies Strategies to build and manage wealth Financial planning advice
YOUNG WORKING FAMILIES Talk about busy!!! By now you more than likely have a couple of the following: a demanding career; a new home loan; a partnership and/or marriage; and possibly young children. As a result, you may be reduced to one income and thinking about how to fund your mortgage and your children s education. You will also seek wealth protection through insurance, Wills and Powers of Attorney. Of most significance is the need to protect your biggest asset your ability to earn an income which you can do with a range of insurance policies. Things to consider Debt management is critical and effective budgeting can help you through. Paying off non-deductible debt like a home loan is imperative. A mortgage offset account can help achieve this quickly. It is also time to start thinking about getting the most out of superannuation, maximising the government s cocontribution scheme and education savings. It is important to seek legal advice regarding a Will and Powers of Attorney. We can help you with: Financial planning advice Wealth creation Insurance life, income protection, trauma and total and permanent disability insurance Budgeting and cash flow management Superannuation and SMSF advice and strategies Wills and Powers of Attorney Tax effective investment advice Residential and investment mortgage including refinancing and debt consolidation
SAGE ADVICE FOR EVERY STAGE OF LIFE (CONT.) ESTABLISHED FAMILIES WITH OLDER CHILDREN You are a home owner and may have a mortgage and have sound investments. You are experiencing more free time away from your children and enjoy spending money on lifestyle and discretionary items. Things to consider Budgeting, cashflow, debt reduction and protecting your income in the event of illness to be able to fund your: Mortgage Bills Education Investments and negative gearing Holidays and cars Savings for retirement Lifestyle and entertainment We can help you with: Financial planning advice Cash flow management Insurance Salary sacrificing Superannuation and SMSF advice and strategies Wills and Powers of Attorney Tax effective investment advice Residential and investment mortgage including refinancing and debt consolidation Protecting you and your family against financial hardship in the event of death, disability or major illness by taking out: Life insurance Total and permanent disability insurance Trauma insurance Income protection
EMPTY NESTERS DEPENDANTS HAVE LEFT HOME, SINGLE OR DOUBLE INCOME Aged 50+, you are still working and have paid off the majority of your mortgage. After years of paying for your children and reducing debt, planning for retirement is now a major priority. You also enjoy spending money on travel and other luxuries you couldn t afford earlier. You may provide moderate levels of financial support to your children. Your health and insurance may be of greater importance to you as the likelihood of illness increases with age. You may even be thinking about your estate. Things to consider Budgeting, cashflow, debt reduction and protecting your income in the event of illness to be able to fund your: Mortgage Bills and cost of living Boosting your retirement savings House renovations or a sea change Travel and treats Lifestyle and entertainment Protecting you and your family against financial hardship in the event of death, disability or major illness by reviewing your: Life insurance Total and permanent disability insurance Trauma insurance Income protection We can help you with: Financial planning advice Cash flow management Insurance Salary packaging Superannuation and SMSF advice and strategies Wills and Powers of Attorney Tax effective investment advice Residential and investment mortgages including refinancing and debt consolidation Pre-retirement planning advice
SAGE ADVICE FOR EVERY STAGE OF LIFE (CONT.) PRE-RETIREMENT AND RETIREES The choices you face when planning for your retirement can be both complex and confusing. For most people, the biggest concern is how can I make my money last? With the average retirement period now 30 years, it s a good question to ask and the right time to think about: How you can maximise your retirement savings and get the most out of your superannuation accumulation Make the most from your fund and realise sizeable returns on what has been a life-long investment Boost your retirement savings to ensure you have sufficient income before you leave the workforce and not leave it to chance Or if you are already retired, start earning from your savings! How do you protect your nest egg and manage your investments? Things to consider At Partners we advise you on the steps needed to build your retirement savings and take a strategic approach to providing you with a tailored financial solution. When planning your retirement strategy, we take into account: Your existing income Your lifestyle expenditure requirements Your existing assets and liabilities The age at which you would like to retire Another important issue to consider at this time is your estate planning. Will the wealth in your estate go to who you want, when you want, in a tax effective manner? We can help you with: Pre and post retirement planning Pension strategies and tax treatment of income, capital growth and Centrelink assessments Aged care planning Review and restructure of any remaining debt Security and stability of your capital Review of superannuation and insurances Business succession and estate planning SELF EMPLOYED AND BUSINESS OWNERS When you run your own business, a lot rests on your shoulders including: Business debts Running costs Employees wages Optimising its value They all depend on your ability to keep working. Then there are your household expenses and most importantly your family. With your family s financial security so closely linked to your business, you need to think about what would happen if something happened to you. Things to consider Keep the business running Key person insurance provides funds to pay expenses and debts or replace lost revenue to keep a business financially stable. Succession planning Optimising the value of your business at retirement Protecting business owner equity in the event of involuntary departure Buy/sell arrangements to facilitate the transfer of the business to the remaining owner(s) Protect you and your family Ensure money is available to pay personal expenses. We can help you with strategies for your business Debt repayment strategies can help ensure your existing debts are repaid If a key employee dies or becomes totally and permanently disabled, an insurance policy can help cover the financial impact to your business To help you cope with a significant reduction in turnover, your fixed business expenses like rent, non-income producing staff wages and electricity can be covered By taking out life insurance on yourself and a business partner, you can ensure a buy/sell agreement is triggered if something happens to either of you Strategies for your family You can protect your family s lifestyle by covering against the loss of your income You can cover yourself, your spouse and your child against increased medical expenses Personal debt protection can ensure your family is not left with unaffordable debt if you can t work again
TAKE THE FIRST STEP TOWARDS ACHIEVING YOUR GOALS BOOK YOUR FREE CONSULTATION NOW A second opinion can be powerful. Are you happy with the outcomes, support and service you re getting? Are you getting the most out of your money? We can provide you with a second opinion about how to achieve your financial and lifestyle goals sooner. Whether you have a financial planning, superannuation, lending, legal, tax, insurance, investment, commercial or retirement planning issue, our free consultation will work out where you are, where you want to go with a plan on how to get there. REFER A FRIEND TODAY If you re an existing client and believe our services can help your family and friends realise their financial and lifestyle goals, we would welcome the opportunity to talk to them. All referrals will be treated with the utmost confidentiality and respect. Take the first step and book your free consultation or refer a friend today.
GET THE COMPLETE PARTNERS WEALTH GROUP SOLUTION Our expertise provides you with the flexibility of stand alone financial, legal and lending services or a full bespoke package to meet all your financial management needs. Whatever your income or circumstances, Partners works with you to ensure your investments and retirement planning strategies benefit you and are tailored to meet your life s changing needs or goals. Not all financial planners are the same. We have a uniquely structured approach to financial planning and investment advice focused on driving the right financial outcomes for you. Our comprehensive wealth planning services include: Investment advice including direct shares, fixed interest, listed and unlisted property, cash and money market investments Managed discretionary accounts Pre-retirement and retirement planning Advanced Self Managed Superannuation advice and implementation Debt reduction and recycling strategies Business succession planning Purchasing property through your SMSF using borrowed funds Tax effective investment advice Centrelink and aged pension advice Portfolio administration services Incidental advice. Partners Retirement Planning Investment Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number 234665. As a comprehensive provider of SMSF services, Partners offers in-depth experience and specialist accounting expertise to meet your tax and regulatory requirements. Our services include: Accounting, administration and annual compliance for SMSFs Tax lodgement and advice for SMSFs Financial statements prepared in accordance with Australian Accounting Standards Schedule of investments Trustee minutes and declaration Members statements Independent audits. We also offer a comprehensive Fund Administration Service to trustees of SMSFs who want more than a compliance service by: Being the postal address for the fund Maintaining and managing all funds and cash flow Ensuring expenses and tax are paid Preparing quarterly BAS/IAS where appropriate Attending to benefit documentation. Legislation and regulations covering superannuation are constantly changing and the ATO s ability to impose penalties has been increased dramatically. Now, more than ever, it is important for SMSFs to ensure they comply with the law. Partners Superannuation Services offers expert advice, support and services to accountants and financial planners to assist you from set up through to wind down and all SMSF related concerns. Partners Superannuation Services include: Technical advice and strategies New fund establishments and deed updates Company incorporations Working with clients wanting to gear to acquire property SMSF compliance and strategic consulting service SMSF support annual telephone subscription service SMSF audits Actuarial certificates including online service Provision of pension establishment and commutation documentation. We stay well ahead of the game when it comes to complex and changing tax and superannuation laws. Coordination with our financial planning and investment divisions delivers a holistic wealth strategy whether you are accumulating funds for retirement, have commenced a transition to retirement income stream or are retired. Partners Legal provides networked and relevant commercial and private solutions to help you. It is a new breed of law firm which offers an integrated, one-stop shop approach to all your issues including: Estate planning and management Business succession planning Corporate and commercial law matters, including Personal Property Securities Workplace relations and employment Superannuation Property transactions including Limited Recourse Borrowing Arrangements (LRBA) Litigation and dispute resolutions. In particular, we are a leader in streamlined and integrated LRBA Solutions and have the know-how and expertise to provide innovative results and cost effective outcomes. We also provide a highly successful Sustainable Business Solution and model, which not only guarantees an orderly succession process but also maintains intergenerational wealth and equity for stakeholders.
Partners Mortgage and Lending Services Pty Ltd (PML) offers a full-scale finance brokering business to help you make an informed choice about your personal or business lending needs and to secure the best finance options. We take the time to understand your goals, and most importantly we act for you not the banks or finance companies. Our services include: Residential and investment mortgages including refinancing and debt consolidation Motor vehicle, plant and equipment finance Finance for superfund borrowing to buy property Business and personal lending requirements Commercial property and business loans Construction and property development loans. Partners also offer an extensive range of lending products from Australia s leading banks and nonbank financial institutions. We can provide you with a short list of the most competitive loans suited to your financial situation. Partners Property (PP) works to ensure your property decisions will maximise returns and minimise risk. Our innovative strategies free up your cash flow for future property acquisition. Partners Property assists clients with: Property syndication opportunities Residential and commercial buyers advocacy Access to restricted property offers Development risk Depreciation schedules. We also provide strategic property advice on: Existing property investments How to maximise returns and improve cash flow Acquisitions and sale of property Suitability for development Structuring when purchasing property Investments via financing of property backed investments Strategies for property portfolio growth. At Partners, you can increase your net take home pay by taking advantage of approved employer salary packaging benefits such as superannuation, health insurance, car leases, laptops, mobile phones and mortgage loans. We look at individual employment agreements and advise you on which options will best meet your requirements and life stage including: Motor vehicle financing including novated leasing Salary packaging into superannuation to lower employee tax liability How salary packaging fits in with your overall superannuation, investment and insurance wealth strategy. If you are self employed or a business owner, we can show you how to use salary packaging to: Attract and retain skilled staff Support pay roll tax and work cover reductions Enhance your business culture through increased staff productivity. Partners 360 Bespoke Services has been developed as our premium product to meet your demand for a highly personalised, client specific package that encompasses all your personal advice, financial management and administration needs. We can alleviate the administrative burden of managing your family assets and affairs including: Debt management Investment and financial planning Employment agreements Salary packaging Legal affairs Estate planning and management. We also provide a bespoke wealth package and work across our team of investment, legal and tax advisors, to preserve and grow your family wealth through: Family governance Financial and investment education Philanthropy coordination, and Succession planning. You benefit from a single organisation that is intimately familiar with your personal aspirations, rather than working with multiple firms that don t see the bigger picture.
national reach and networks Partners Wealth Group is a full service business and financial advisory company. With offices in Victoria, New South Wales, Western Australia and Queensland, we offer innovative advice and services to individuals and businesses around Australia via commercial referral relationships with accountants and other trusted advisors. Contact us The first step towards achieving your goal is a phone call away. You can contact our team of advisors and specialists now. Partners Wealth Group * Head Office: Level 13, 636 St Kilda Road, Melbourne VIC 3004 (PO Box 6852, St Kilda Road Central VIC 8008) NSW Office: Level 4, 8 Spring Street, Sydney NSW 2000 QLD Office: Level 3, 164 Grey Street, South Brisbane QLD 4101 WA Office: Suite 4, Level 1, 610 Murray Street, Perth WA 6005 ) 1800 333 143 / office@partnerswealthgroup.com.au x www.partnerswealthgroup.com.au Partners Wealth Group Partners Retirement Planning & Investment Advisors Partners Salary Packaging Partners Property Partners Mortgage & Lending Partners Legal Partners Superannuation Services Partners Superannuation Tax Services Partners 360 Guild Financial Planning Disclaimer: Partners Retirement Planning and Investment Advisors are Authorised Representatives of Charter Financial Planning Limited, Australian Financial Services Licensee Licence Number 234665. This document contains general advice only. You need to consider with your financial planner, your investment objectives, financial situation and your particular needs prior to making an investment decision. Charter Financial Planning Limited and its authorised representatives do not accept any liability for any errors or omissions of information supplied in this document except for liability under statute which cannot be excluded.