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, you should consider whether the information is appropriate in light of your particular objectives, financial situation and needs.

Financial Planning

The financial planning arm of the Group provides advice from experienced accounting professionals (CPA’s) who have undertaken extensive financial planning studies, obtained specialist accreditations and committed to on-going professional development. The Group’s belief is that accounting and taxation knowledge is intrinsic in formulating financial planning strategies.

At the centre of our business is our relationship with our clients. We work hard to establish a relationship of trust so that our clients feel comfortable with the guidance we provide. In our experience, clients value highly the ability to make financial decisions with someone who has close knowledge of their circumstances and aspirations.

We enjoy taking on the role of ‘financial coach’ – providing direction, offering alternative solutions and educating, so that our clients become more confident and empowered in relation to their financial affairs.

We can provide strategic advice in the following areas:

Cash Management and Budgeting

 

Cash flow is central to many of the financial planning strategies we recommend.

We can assist you in managing your finances to meet your short-term requirements and longer term objectives. To this end, a realistic household budget that fully considers your personal circumstances is essential.

Investment and Portfolio Management

 

Our knowledge and experience can assist you in navigating the myriad of investment opportunities available. With the direct support of the BT Financial Group Research Team, we are able to provide appropriate investment strategies that consider taxation, legislation, protection and cost issues.

On an on-going basis, we can assist in managing your investment portfolio to ensure it remains up-to-date with current investment ideas and continues to align with your investment risk profile. Performance evaluation is a key element of our portfolio management process.

Superannuation

 

For many of our clients, superannuation is the most tax effective tax structure for retirement planning and wealth creation. We can assist in identifying the most appropriate superannuation vehicle – be it a self managed superannuation fund or retail fund.

We have the expertise to advise you on the raft of superannuation strategies best suited to your requirements.

Personal Insurances and Protection

 

While building your wealth is vitally important for your future, protecting your assets is equally important.

For most people, their biggest asset is their ability to derive an income and it is essential adequate insurance be put in place so that their life (or the life of their family) can continue as well as possible should an unexpected event occur.

We can assess your existing insurances and determine their adequacy and suitability given your circumstances. We are able to provide advice on a full range of personal insurances – life, disability, income protection and trauma. We can also assist with business expenses insurance and buy / sell insurance.

Pre-retirement Planning

 

In the lead up to retirement, attention can turn to whether you will have sufficient assets to fund the type of retirement you seek. We can help determine how you will be placed in retirement and consider a number of effective strategies that can be engaged while you continue to work.

Retirement Planning

 

On retirement, you want to ensure your money is available when you want it and that you can take it in the best way possible to maximise your income and continue to do the things you most enjoy doing. We can assist you with these requirements.

Social Security

 

If you are eligible for social security benefits, we can help ensure you receive the maximum benefits to which you are entitled.

Aged Care

 

Please refer to our separate specialisation for full details of our offering.

Estate Planning

 

We can help ensure that your estate is structured effectively so that when something does happen to you or a family member, your estate planning objectives can be met. This is especially important when a small business is involved.

 

In addition, we are able to liaise with TIS Partners to assist business owners with succession planning and retirement planning, taking into account the Australian Taxation Office’s small business entity concessions.

Our carefully crafted plans reflect the comprehensive approach we adopt to capture your personal circumstances, identify your objectives and research and assess the various options available to you. This can entail a number of meetings over a relatively short timeframe.

Upon presenting our written advice to you and your acceptance of our recommendations, we can assist with implementation to ensure the advice you receive is effected in a timely manner.

Our on-going review service enables us to meet with you on at least an annual basis to re-visit your personal circumstances and ensure our initial recommendations remain relevant to your situation. This meeting also provides an opportunity to assess investment performance and progress towards meeting your objectives.

More services

Accounting

Accounting

TIS Partners is a well established Accounting Practice that offers a multitude of services.

Find out more

Super Funds

Super Funds

The decision to establish an Self Managed Super Fund (SMSF) is a significant one.

Find out more

Aged Care

Aged Care

When the time comes to help a loved one move into an aged care facility, it can be confusing and emotionally challenging for everyone involved.

Find out more

TIS Financial Planning Pty Ltd is a Corporate Authorised Representative of Paragem Pty Ltd, ABN 16 108 571 875, AFSL 297276.

Disclaimer: TIS Partners ABN 41 650 670 455 and TIS Financial Planning Pty Ltd ABN 64 112 687 242 610 are separate businesses but are referred to collectively as TIS Financial Group within the contents of this website. Janine Tempone and Paul Abrahams are authorised representatives of Paragem Pty Ltd and provide general advice in relation to credit and credit referrals only. Your Adviser may offer you services through TIS Financial Planning Pty Ltd and TIS Partners, which are each separate businesses. Although the same Adviser may offer you services under the above businesses, each business is solely and separately responsible for the advice they each provide. In particular, Paragem is only responsible for the financial planning services provided by Janine Tempone and Paul Abrahams.