Company Profile 2 INTER WEST. your future in focus. Financial Services

Transcription

1 Company Profile INTER WEST Financial Services your future in focus

2 The Interwest business Our approach Interwest Financial Services How we can help you Our services When Interwest was founded in 1987 the Directors shared a vision to create a financial planning Practice that focused on the client s needs, with a solid ethos around trust, knowledge and integrity. To this day we are proud to have seen Interwest grow according to these principles and remain committed to them as we continue to grow. Over time we have developed knowledge and experience that allows us to be responsive and specific in our approach. We ve learnt that every client relationship is unique and so we continually draw from our diversity of knowledge to tailor very specific solutions for each individual client. As we ourselves run a business and raise our families, we understand this complex balancing act that can bring stress into people s lives. Our aim is to restore balance for our clients, while providing greater certainty for their future. We look forward to focusing on your financial future. In the meantime, we have prepared this profile to give you a better understanding of how we can help you achieve your financial goals. We aim to provide solutions for what s important to you at every stage of your life. It could be starting a family, creating a business or preparing for retirement. Working with you, we create a plan for your future; a financial path that brings simplicity and balance to your life. We look at the big picture as each decision you make can affect other areas of your financial situation. When preparing your plan our advice can come from the following areas; Wealth creation strategies Investment strategies Borrowing to invest Retirement planning Retirement Planning can include strategies such as Transition to Retirement (TtR) and Salary Sacrifice Superannuation and Self Managed Superannuation Social security entitlements Debt management Cash Flow Management Budgeting and Savings strategies Debt reduction strategies Personal wealth protection Insurance Life, Income, Trauma, Disability Estate Planning Business succession planning Small Business advice Employee benefits Keyman and buy/sell concepts Make investment decisions according to your risk profile and investment timeframe. Preparing for retirement starts now. Planning helps put you on the right path to live the retirement lifestyle you dreamed of. Using your debt wisely and minimising debt costs can lead to greater financial freedom. Protecting you and/or your family if the worst occurred. Helping you grow a strong business that is ready to face the challenges of today s marketplace. 1

3 How we work with you Personalised service Getting to know you The advice Starting your new financial life Your future To fully understand your goals and aspirations and to ensure we implement the most appropriate solutions we have developed a process that is comprehensive in its approach, yet simple to follow. 1 Our first meeting Your first meeting with us is complimentary. It s designed to introduce you to Interwest and to determine how you can benefit from our services. It is important to us that you feel comfortable working with your financial planner and you have a good understanding of the services and offerings we provide. Before commencing any work we will forward to you any costs associated with your advice. Please see Our fee structure page 5. Understanding your situation Before providing advice, it is important that we understand your situation. We ask a range of questions to understand your personal objectives and help you to determine your attitude towards investment risk. 3 Understanding your needs and aspirations We help you identify your goals and lifestyle aspirations. As people s dreams vary greatly, we take the time to understand yours, so that we can provide relevant and meaningful solutions. 4 Developing your plan We use our technical experience and strategic knowledge to prepare your financial plan. Our advice is developed to fit with your own approach to investing and your unique goals. Your financial planner and the Interwest team work together to provide you with appropriate outcomes. Each team member has appropriate qualifications and maintains ongoing studies in relevant disciplines to continually strengthen their advice capabilities. 5 Plan presentation We go through your financial plan with you and discuss our recommendations in an easy to understand way. We believe it s important to do this face-to-face to ensure that you understand, and are comfortable with, the recommendations. We can then modify and refine the plan, if necessary, before commencing with implementation. 6 Implementing your recommendations Before commencing your new financial path, we clearly communicate any costs to implement the recommendations. Once agreed, the strategies will be implemented. Our client service representatives will assist with any paperwork and manage the process to ensure timelines are met. They work together with your financial planner to make your life easier and are available throughout the process to assist with any queries. 7 Ongoing service We believe it s important to review your plan periodically to ensure that it remains relevant over the long term and continues to fulfill your financial objectives. At your plan presentation we will discuss suitable ongoing review service options for your situation. Together with reviewing your plan, we also provide timely information on topics that may affect your financial situation. 3 4

4 Interwest Financial Services The value of advice Our fee structure Here to help Your future in focus We believe that full disclosure and transparency of any fees is paramount to developing trust with our clients. Interwest operates using a fee for advice structure which means that you only pay for the advice we develop, not for the products we choose. This ensures that all recommendations are in the best interest of our clients. Staying true to our company values, this fee structure allows us to provide the most appropriate and objective advice for you in the clearest way possible. An ongoing relationship While your initial advice is the key to setting you on the right path, our ongoing support gives you the freedom to change and grow knowing that your plan remains appropriate for your needs. We offer a range of ongoing service packages that are tailored to various situations. We will discuss the most suitable option and then continue to work with you to ensure you stay on track to meet your financial goals. Our ongoing service includes regular reviews and timely information allowing you to make educated decisions about your financial future. As always, your financial planner and client service representative are available to answer any queries you may have in between your scheduled servicing. Need help planning for a safe and secure retirement? Want to maximise your Superannuation savings? Thinking about Salary Packaging? Need advice with investment planning strategies? Have you considered what legacy you will leave your family? Need guidance to better manage your cashflow? Thinking of starting a Self Managed Super Fund? Is your income protected if the worst occurred? We re here to help you put your financial future in focus the Interwest way through trust, knowledge and integrity. Whatever stage of life you re at, we look forward to helping you achieve your goals. Contact us today for your first complimentary meeting. 5 6

5 INTER WEST Financial Services Interwest Financial Services Pty Ltd ABN Authorised Representative of AMP Financial Planning Pty Limited 6 Charles Street South Perth WA 6151 Australia PO Box 63 South Perth WA 6951 Australia Telephone: Fax: advice@interwest.com.au