Intelligent tailored financial solutions designed to maximise and protect your wealth.

Good advice from an experienced, well-informed adviser can help people save money, protect against risk, manage debts, grow assets, reduce tax liabilities, plan for retirement, identify entitlements for government benefits, and plan what inheritance is to be left to the next generation. A financial adviser’s first responsibility is to the client, not to an employer, a product manufacturer, to him/herself or to anyone except the client.

When providing personal financial advice an adviser must take into account the individual client’s circumstances and goals. The advice may or may not involve the recommendation of a financial product. The role of a financial adviser is not to sell financial products.

Most people choose to see a financial adviser at significant turning points in their life. They may need a professional to help them consider their options and to understand financial products, tax laws or the benefit system. Once people find an adviser with whom they’re comfortable, a long-term relationship often develops with regular meetings to review changing needs.

People most often consult a financial planner when:

• Starting work or changing jobs and looking at superannuation options
• Getting married, or separating from a partner
• Starting a family, and saving for education costs
• Buying a house, or paying off the mortgage
• Looking to invest for capital growth
• Planning to retire
• Inheriting money, receiving redundancy payments or other lump sum payments.

A financial planner sets out to understand each client’s different needs and financial objectives and to recommend an appropriate financial strategy.

There is an established six step financial planning process which our advisers follow with every new client:

1. Gather financial information about the client
2. Identify financial and lifestyle goals
3. Identify any financial issues
4. Prepare a financial plan
5. Implement the plan
6. Review and revise the plan at regular intervals, or when circumstances change.

The key to successful wealth accumulation is to set clearly defined and realistic goals and to then design a plan that will help you to achieve those goals.

Your financial adviser can help you design a tax effective plan and an asset allocation strategy that is tailored to your individual circumstances. This will take into account the length of time you will be investing and your willingness to accept volatility in your investments.

Should you need to accelerate your wealth accumulation plan, your Adviser can show you how to use a gearing (or “borrowing to invest”) strategy that does not add to your investment risk unnecessarily.

The actual amount of your savings or assets does not matter. The situation of each individual is unique and equally important. A Stonehouse Adviser will look at your situation and help you with a strategy that is best for you.