Helm Private Wealth Pty Ltd
Working With You
We understand no individual circumstance is the same. We offer a tailor made financial plan to suit you throughout any stage of your life.
What We Do
Financial Planning Process
Financial Planning can be a minefield if you do not have the right foundations and structure in place to begin with.
We understand the many different life stages and adopt our financial strategies to suit you.
We help you achieve your long-term financial goals which allows you to stress less and enjoy the special things life has on offer.
Wealth creation - do you have a plan in place to grow your wealth over the course of your working life?
Retirement planning - will you have enough to comfortably retire?
Investment advice - do you need advice to ensure your investments are appropriately structured and properly diversified?
Estate planning - are you confident your money will flow to the people that matter the most to you?
Asset protection - if something unexpected happened to you or your family, is there a financial plan in place?
Aged Care and Centrelink
One of our experienced Financial Planners would be glad to help.
Expertise. Education. Relationship.
Our individual financial planners each have over 20 years experience in the financial planning industry and possess the expertise and knowledge to guide you through any stage of life.
We work closely with you so you enjoy peace of mind and achieve financial success. There is no such thing as a set and forget strategy and to succeed you must continually have access to the right advice. Education is the cornerstone of all that we do. We ensure you both understand and have confidence in the strategies we put in place. Together we work towards meeting your life goals.
We care about our clients and put your interests first at all times. That is why many of our clients have been with us for over 20 years.
Do you have enough to retire comfortably?
Retirement planning is the process of determining your lifestyle goals and putting in place a strategy to achieve them. The questions we are most commonly asked by those considering retirement are:
Do I have enough to retire or will I run out of money before I die?
How much income can I generate in retirement?
Will I have to pay any tax in retirement?
How do I qualify for an age pension benefit?
A comprehensive financial planning strategy will take this into account and also cover off important aspects such as:
Retirement time frame
Appropriate investment vehicles
Tax efficient income streams
Age Pension eligibility
Management of assets and investments
Managing your long-term financial future whilst paying the bills is a major concern at this stage. You may be supporting a growing family and considering how to afford their education while keeping debt levels manageable. We assist you to balance present demands on your resources with future needs and help you continue to achieve your financial goals which may include.
Building an investment portfolio
Building your superannuation wealth
Superannuation should become one of the primary investment vehicles to meet your retirement goals and most likely will become one of your largest assets by the time you retire. In the past, people traditionally invested their Superannuation in Retail or Industry Superannuation funds to which their employers contributed a percentage of their salary. Fund managers then made investment decisions on behalf of the members.
This landscape has dramatically changed in the past 10 years as more Australians take an active interest in the management of their superannuation and now enjoy the benefits that come with setting up your own Self Managed Super Fund or SMSF. Over 1.1 million Australians have switched from the traditional Retail or Industry Funds to SMSFs. SMSFs are regulated by the Australian Taxation Office (ATO) and come with a greater level of responsibility. The benefit of the SMSF structure is that it offers a greater degree of control and flexibility in that you are able to invest in a boarder range of assets that are not available via your more traditional Retail or Industry Superannuation Funds such as:
Cash and Term Deposits
Fixed Interest Investment vehicles
Exchange Traded Funds (ETFs)
Residential Property (with or without borrowing)
Commercial Property (with or without borrowing)
If you are considering establishing a SMSF it is vital that you obtain specialist advice. You will be Trustee of the SMSF and therefore accountable for the investment decisions and administration of the SMSF. It is important that you fully understand the requirements and comply at all times in order to maintain a compliant Superannuation Fund.
Investment management is a vital part of the financial planning process and spans across all stages of life. The management or investment of your wealth does not simply consist of what assets you should buy (think shares or property) but an appropriate financial plan will ensure you have considered suitable structures to both house and grow your wealth.
The right structure for you (such as Family Trust, Company, SMSF or other) will take into account your employment and family situation, current and future taxation and ways to manage this effectively, business and asset protection and other key considerations such as the sale or restructure of assets to fund retirement and the implications this might have on your situation.
Building wealth is important but protecting that wealth is paramount. Our specialist planners work closely with you to identify your wealth protection needs in light of your assets, liabilities, income, family and dependants as there is no one size fits all approach.
Personal insurance provides financial security for you and your family in the event of a serious injury or illness, inability to earn an income, disability or death. This cover will enable you and your family to maintain your way of living by providing payment to cover any outstanding debts and everyday expenses providing you with peace of mind if something unexpected was to happen.
We are also very experienced with the insurance claims process and can be appointed to assist you to get claims through as quickly as possible so you can focus on yourself and family.
Choosing to work with us will instil confidence that comes from knowing that you and your family are fully protected and your position is secure.
Centrelink and Aged Care
Our financial planners are experienced when it comes to Centrelink matters and understand that this can form a critical part of your retirement income stream. We can assist with:
Appropriate structure of your assets to maximise Centrelink eligibility
Assisting with Centrelink applications and forms
Liaising with Centrelink on your behalf allowing you to enjoy your retirement
This is often one of the most overlooked areas in relation to retirement planning. Ignoring estate planning can have a significant impact on your retirement funds, for both you and in time your beneficiaries.
We work along with experienced estate planning solicitors to ensure the right estate planning tools are utilised for your situation.
Interested in getting advice from an experienced and professional Financial Planner?
Contact Helm Private Wealth today and see what we can do for you.
What our clients say about us
The service and advice provided by Helm Private Wealth far surpasses the advice I have received from any other organisation. I would not hesitate to recommend their services to anyone.
Warren - Age 56
Helm Private Wealth advisers and staff consistently go above and beyond the service levels expected and they genuinely care for their clients.
Ashley - Age 43
The expertise and assistance provided to me has been invaluable. I recommend them to all my family and friends.