Financial Planning, Superannuation, Life Insurance
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Home2018-08-27T18:29:22+00:00

Individuals, Couples & Families

Planning Partners works with individuals, couples and families to identify their goals and co-ordinate implement plans and strategies in order to make them a reality. From establishing, expanding and/or protecting wealth through to estate planning, Planning Partners are expert in guiding clients while easing the burden of financial management.

Cash Flow ManagementWealth Creation StrategiesPortfolio Management
We review your income and expenditure patterns and identify areas where cashflow may be isolated for wealth creation or debt reduction purposes.
We devise wealth creation plans which are tailored to your particular financial goals and involve a combination of investment, debt management, tax and superannuation strategies.
Planning Partners provides portfolio advice on a wide range of investments including direct equities, professionally-managed funds and fixed-interest investments.

We also provide access to a custodial facility to minimise the administration costs associated with your investments.

We can also provide you with access to direct property investments through our strategic alliances with Buyers Advocacy and Property Management firms.

Wealth Protection

Please see our Life Insurance services below.

Finance Arrangements

Please see out Finance services below.

Businesses & Organisations

At Planning Partners we recognise that while businesses and organisations require different services, they require the same high quality of advice. We provide strategic business advice to clients to help grow their practice and specialise in advising private business owners on both their business and their private wealth.

Cash Flow ManagementBuy/Sell ArrangementsBusiness Succession Planning
We review your cashflow patterns and make recommendations for efficient management of cash to assist in creating wealth both within and external to your business.
Planning Partners provide advice on a range of Business Insurances, such as Key Person and Equity Protection, as well as Buy/Sell Agreements to protect you, your family and your business in the event of incapacitation or death.
We provide comprehensive advice to assist your business to transition to new owners with minimal loss of value.

Our advice provides certainty and peace-of-mind to stakeholders who are exiting or entering your business.

Estate Planning & Inter-Generational Wealth Transfer

Planning Partners provides comprehensive advice to ensure that your assets are protected and distributed in accordance with your wishes upon death. We also provide a long-term, generational view of your finances so you have confidence your wealth and businesses can meet the needs of your loved ones in the future. Our tailored family programs aim to build communication, values and governance between family members. This can serve to protect your legacy and empower younger family members to make better financial decisions.

Estate PlanningEstate BeneficiariesTestamentary TrustsExecutor Responsibilities
Planning Partners provides comprehensive advice to ensure that your assets are protected and distributed in accordance with your wishes upon death.

We work in conjunction with Estate Planning Solicitors who prepare formal documents including Wills and Powers-of-Attorney.
Planning Partners assists beneficiaries to make investment decisions to suit their particular circumstances and financial objectives, while taking into consideration the taxation issues that arise from estate distributions.
Many Wills include the provision for the establishment of a Testamentary Trust to be enacted at the time of the Will administration.

Planning Partners provides assistance to the Trustees to ensure that the Trust is administered in line with the intentions of the Will and that all fiduciary responsibilities are met.
Where a client has been appointed Executor of the Will of one of their loved ones, Planning Partners provides the necessary support to ensure that this role is carried out and completed in accordance with the wishes of the deceased.

Philanthropic Enterprises

With a thorough knowledge of philanthropic endeavours, Planning Partners understand the day- to-day challenges faced by charities and Not-for-Profit (NFP) organisations. We will assist you to structure meaningful, impactful philanthropy that will last for generations to come.

Establishment of Prescribed Private FundPrivate Ancillary FundsPAF Portfolio ManagementResponsible Person
The establishment of a Private Prescribed Fund (PPF) with Deductible Gift Recipient (DGR) and Income Tax Exemption Charity status, is the most common approach adopted by our clients.

Gifts to a PPF are tax-deductible, providing a particularly useful tool in a high-income or Capital Gains tax year.

The income within a PPF is tax-exempt, so the earnings and gains are tax-free allowing it to grow more quickly.

PPFs can make invaluable contributions to social and community programs that are carried out by organisations with Deductible Gift Recipient (DGR) status.

A PPF is established under a trust deed and approved by the ATO and the government.

Planning Partners provides assistance, guidance and counsel to all elements of the set-up process.
A Private Ancillary Fund is an ancillary fund which is used as a vehicle for private philanthropy.

The PAF is established and operated as a not-for-profit entity and must operate under the guidelines documented in the Private Ancillary Fund Guidelines 2009.
Planning Partners provides portfolio advice for the management of the assets of the PPF.

This includes establishing an appropriate asset allocation and selection of underlying investments to suit the objectives of the PPF.

We also provide access to a custodial facility to minimise the administration associated with the investments of the PPF.

Planning Partners takes particular care with the cash-flow management of the portfolio so as to ensure the efficient distribution of funds to charitable organisations.
A PPF requires the appointment of a Responsible Person to consult to the Fund in a professional capacity.

As a Professional Practice of the Financial Planning Association, Planning Partners is able to fulfill this capacity alongside the board of Directors or Trustees.

As the Responsible Person, Planning Partners will attend regular board meetings and make representation in accordance with our responsibilities.

Planning Partners have managed my finances for nearly 20 years to my complete satisfaction. They  have always been obliging and cooperative to all my requests.

K E Stuchbery, FRCS(Eng),FRACS

Our initial engagement with Planning Partners was for superannuation and general financial advice some 15 years ago.  The success of some of our investments put us in the fortunate position of being able to consider ongoing charitable donations. Martin has been instrumental in guiding us to establish a private ancillary fund, and then managing the foundation and its investments to allow the board to focus on all the positive elements of gifting.

S. Martin, Deepdene

My health took an unexpected downturn in early 2017 forcing me to, not only leave employment , but rendered me mostly bedridden for nearly 24 months.

Being suddenly unable to sustain employment mid-career is a devastating experience, especially as for a single income first home owner.

The astute advice Planning Partners provided at our initial consultation, ten years ago meant that I suddenly had multiple options when they were most needed.

The professional support, competent guidance and proactive suggestions provided by Rebecca during this time, facilitated navigation of dense income insurance administration, enabling me to access practical income and ensured I remained financially sound during a potential crisis.

Reb Anderson

Investment

A critical element of any financial plan is ensuring that you manage and allocate your cashflow appropriately to assist in the achievement of your financial objectives. We review your income and expenditure patterns and identify areas where cashflow may be isolated for wealth creation or debt reduction purposes.

Wealth Creation Strategies (Presently under Professionals & Execs)Portfolio ManagementExecutive Share and Options Plans
We devise wealth creation plans which are tailored to your particular financial goals and involve a combination of investment, debt management, tax and superannuation strategies.
Planning Partners provides portfolio advice on a wide range of investments including direct equities, professionally-managed funds and fixed-interest investments.

We also provide access to a custodial facility to minimise the administration costs associated with your investments.

We can also provide you with access to direct property investments through our strategic alliances with Buyers Advocacy and Property Management firms.
We provide advice on finance, taxation and investment issues associated with exercise and sale of company shares and options.

Superannuation

Superannuation is money set aside over your lifetime to provide for your retirement and a tax effective way to save for your retirement – but the rules on how much you can contribute are often changed. We guide you through any changes, their implications and options to consider.

The considerable tax concessions available to superannuation make it a preferred retirement savings and investment strategy.

Superannuation StrategiesRetirement Income StreamsSelf-Managed Super FundsEstate Beneficiaries
Decisions regarding superannuation contribution and investment strategies are critical in the months and years leading up to retirement.

We encourage prospective clients to seek advice well before retirement to ensure that you take advantage of all tax concessions.
Planning Partners can help you navigate complex legislation and structure tax-effective income streams to provide a comfortable retirement.
Planning Partners provides a specialised service to Self-Managed Superannuation Fund investors.

This service covers advice in relation to contribution strategies, withdrawal and income stream strategies, portfolio management and tax-efficient estate planning.
At the time of the passing of a close friend or relative, to be left with a bequest, an estate role or indeed a residual entitlement to the estate can create an overwhelming sense of responsibility and sometimes stress.

Life Insurance

As a defensive measure to support your lifestyle, assets and investments, it is essential to have some form of financial protection in place should your income cease due to:

  • death;
  • total and permanent disability and/or significant illness;
  • loss of income;

There are several types of personal risk available for your consideration, which are discussed in the linked pages.

Life InsuranceTPDIncome ProtectionTrauma
Life Insurance provides a lump sum benefit in the event of the insured’s death to enable financial dependents to eliminate debt and provide sufficient funding to meet ongoing expenses, such as day-to-day living expenses or education costs.

Life cover is 'guaranteed renewable', meaning it will generally only stop if you stop paying for it.
Total and Permanent Disability (TPD) insurance provides a lump sum in the event that the insured becomes totally and permanently disabled.

Whilst policy definitions for TPD may vary between insurers, most will allow payment should one of three events arise:

(a) the insured suffers from the loss of multiple limbs or eyesight,

(b) is unable to perform at least two activities of daily living or

(c) is unlikely to be able to return to work. In relation to this final point, cover can be obtained for the insured’s own occupation or for any occupation.
Income Protection provides a regular income stream to replace lost income during periods of disablement due to sickness or accident.

Income protection is an important consideration for anyone who relies on an income; the ability to earn income is the mainstay of most financial plans and contingencies are needed should sickness or accident cause you to be off work, especially for extended periods.
Simply, Trauma Insurance provides a lump sum on diagnosis of a defined illness.

These policies include the major illnesses or injuries that will make a significant impact on a person's life, such as cancer, heart-attack or a stroke, and alleviates the financial burden, so you can spend your time focusing on recovering - not worrying about your finances.

It pays a lump sum and is designed to enable you to:
  • pay your out-of-pocket treatment costs - or afford the best treatment available.
  • make lifestyle changes so you can focus on healing - like permanently reducing the number of days you work.
  • take some time off work even if able to return.

Finance

Borrowing money is about much more than just finding the lowest interest rate. Whether it be for a new home purchase, refinancing an existing loan, for a vehicle, or for any investment, Planning Partners will ensure that appropriate structures, entities and strategies are considered to enable the optimal outcome for the client.

Property purchase (residential, industrial or commercial)Refinance of existing debt facilitiesSelf-Managed Super Fund Loans
The majority of finance that we provide to our clients is to assist the clients to complete the purchase of a property, whether it be for a family home, a beach house or an investment or commercial property.

We like to work closely with clients prior to them purchasing a property so that we can accurately understand their borrowing capacity.

We have found that a number of clients prefer to have indicative loan approvals in place prior to bidding to purchase a  property, having finance approval in place prior to auction provides the client with substantial comfort that the finance side of the purchase equation is taken care of.
We may be able to assist you to reduce your existing loan interest rate or provide you with alternatives from a range of other financiers with a view to providing you with a better outcome.
As a MFAA Accredited Finance Broker (SMSF Lending) Planning Partners can assist you with any discussions that you may wish to have to explore financiers various requirements for this specialist lending area.