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Financial Planning

 

 FINANCIAL PLANNING

 

The ideas noted below are considerations that may be discussed on your consultation with Birchcorp.

 

  • Should I invest in the Stock Market (Securities in Australia and internationally), Real Estate (residential and commercial), Fixed Interest, Managed Funds, Money Market, or Superannuation? 
  • At what point in my life should I change the above investments to a different asset class? 
  • Should I rent or buy a house? 
  • What is negative and positive gearing, depreciation, and other deductions related to my investments? 
  • What is the most appropriate loan structure/s for further property investments or wealth creation? What are the pitfalls? Should I be paying off this loan? 
  • What are the procedures for a home purchase? 
  • How can I make a guaranteed 10% return in the stock market with a potential gain of 25% (investing in blue chips)? 
  • What is capitalising interest? 
  • What are the various investment classes and are they suitable for my needs and age? 
  • What are income tax and capital gains tax implications of my investments? 
  • What is Tax deductible debt v Non-tax deductible debt? 
  • How can I improve my free cashflow? 
  • Are you legally conducting a business without realising? 
  • How can salary sacrificing increase my wealth? 
  • How can you create wealth from your superannuation via SMSF and leveraging into property?   
  • What are the consequences of negligible estate planning? 
  • Will a large portion of my assets be inherited by the family in-law or like, and how can I avoid this to keep assets in my / our immediate family? 
  • What are margin loans and how do they work?   
  • What are dividends and are there any income tax consequences? 
  • What are the pitfalls and benefits of particular business structures? 
  • What are the potential risks associated with the various investment classes? How can I minimise risk? 
  • Do I require income return or capital return? 
  • What types of insurances are available if my business partner passes away, I can no longer work, or tenants destroy my rental property? 
  • At what age can I retire? 
  • How do I budget ? 
  • Saving Money- Why can this be so wrong? 

 

 

To meet with a Birchcorp consultant to discuss the above items or answer any of your Personal Financial questions please: Enquire Here

 

 

What to Bring to your next Interview?

 

We have provided a list of items you may wish to bring to your consultation with a Birchcorp representative. This may enhance the outcome of your meeting with Birchcorp Financial Planners.

Please note, this list is a guide and is not limited to:

 

  • Home loan documents (Loan Products and Balances),
  • Insurance Policies (TPD, Income, Life, Trauma, Business etc),
  • Superannuation Statements,
  • Wills,
  • Family Tax Benefits and other social security income,
  • Rental statements and Depreciation schedules (For investment properties),
  • SMSF Deeds,
  • Trust Deeds,
  • Partnership Agreements and other Business Structures,
  • Savings and Cash Management Accounts,
  • Pension or Annuity income streams,
  • Past Tax Returns,
  • Managed Funds and Securities (share registrations),
  • Fixed interest (bonds, promissory notes etc),
  • Credit Card statements,
  • Personal loans, Car loans, Hire purchase, and Leases,
  • Salary Sacrifice Arrangements,
  • and Payslips.

 

Do not hesitate to bring other documents or statements requiring an explanation for your own interest.

 

 

WARNING: Investment and Tax Expenses: In addition to forgetting to deduct tax-preparation fees, many people forget that your legal and accounting or financial planner fees, that relate to tax planning, are tax deductible. Effectively reducing these fees by 31.5%-46.5%.


Property in your SMSF - Beware

SMSF and property investments: This is NOT for everyone. Although many property spruikers stand before you and sell the concept that everyone must buy a property in your SMSF. Birchcorp is here to say that there is much time and effort required for an investor to decide to embark on this complicated arrangement. Although Birchcorp is happy to say the process is as easy as 1,2,3... it is not a process that should be taken lightly. We are professionals and have processed these SMSF establishments and ongoing services many times. A complacent trustee can easily com... Read More

Insurance

Birchcorp can show you how you may purchase your Insurance with no out of pocket expense.

Unlike other Financial Planning firms, Birchcorp is happy to show you how and why you can decrease your Insurance coverage... Read More

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Birchcorp Pty Ltd ABN 56 132 775 654 is a Corporate Authorised Representative (No. 339299)
of Dover Financial Advisers Pty Ltd ABN 87 112 139321, which is the holder of an AFSL No. 307248. Birchcorp Pty Ltd is an Accredited Member of the FBAA with an ACL No. 376718.