Personal Insurances

Protecting your two most valuable assets: yourself and your income.

HNW Planning acts as a broker when placing personal insurances. Our responsibility is to work for you, our client.

Personal insurances involve the payment of a premium so that a separate party might assume, at a cost of that premium paid, risk that for you might be too large to comfortably carry. Insurances protect your lifestyle and family as well as your business and investment initiatives. The motivation and types of insurance will be influenced by your family's life cycle, business and career life cycles, and by attitude toward risk, including your perception of the relative importance of negating risks where possible.

Particularly dental professionals, but also pharmacy professionals, have specific requirements and specific considerations for their industry and profession. HNW Planning is experienced in highlighting and offering solutions to these industry specific considerations.

HNW Planning can provide practical options to protect your two most valuable assets: yourself and your income.

Estate Planning

The use of superannuation, family trusts and insurances are vital for estate planning. Co-ordination of financial planning advice with legal advice, use of testamentary trusts and other 'death event' specific strategies is crucial to:

Providing adequate contingency
Meeting your objectives for division of assets
Tax minimisation
Asset protection
The potential creation of a family 'micro-dynasty'

Self Managed Superannuation

HNW Planning's Principal has been accredited as an SMSF Specialist Adviser by the Self Managed Super Fund Professionals Association of Australia.

HNW Planning's Self Managed Superannuation Fund Services include:

New SMSF establishment
Maintenance & updating of Trust Deeds
Maintenance of Permanent File
Maintenance of formal Investment Strategies
Integration with Estate Planning
Preparation of annual returns using specialised SMSF software
Co-ordination of expert tax & audit services
Transition to retirement & pension calculations
Co-ordination of administration with HNW Planning's expert investment & financial planning services
Co-ordination of administration with HNW Planning's pre-retirement & tax control strategies

Superannuation

The use of superannuation, particularly Self Managed Superannuation, family trusts, and insurances are vital for estate planning.

Superannuation is the only form of perpetual trust available in Australia. A Self Managed Superannuation Fund (SMSF) can act as a 'tax effective' vehicle for both family wealth protection and for inter-generational wealth transfer.

Family discretionary trusts and testamentary trusts are also popular methods of inter-generational wealth transfer and while these methods may not be as 'tax effective', they may offer firmer control of outcomes.

HNW Planning seeks to tie in your superannuation and other estate planning requirements with your insurances, business and personal life cycle, and your preference for a suitable balance between 'tax effective' outcomes and the need for control of outcomes.

Corporate Advice

Mortgages tailored to your financial planning and accounting strategies.

Our qualified specialists can complement financial planning advice from HNW Planning, or complement other accounting and financial planning advice to optimise the opportunity of meeting your objectives.

Active finance broking
Specialists in meeting the requirements of small business professionals
Particular experience in meeting requirements of pharmacy & dental industries
Commercial lending specialists, with a range of target market product accreditations from leading market participants
Mortgage broking alliance with one of Australia's largest mortgage broker aggregators
With access to approximately 20 residential (home & investment property) lenders, we can help you find the loan best suited to your needs
Full member of the Mortgage & Finance Association of Australia (MFAA)

Ethical Investing

HNW Planning is able to take into account your views on environmental, social, ethical and governance issues. It is possible to negatively screen for, or positively include specific investments or types of investments to focus your capital to support a particular purpose.

Managed Investments

HNW Planning looks at long-term expectations of market drivers and expects reversions to the long term means or trends of the key indicators. Such key indicators are: Price to Earnings Ratios, Earnings Per Share, Corporate Profits as Share of GDP, Price Earnings of Australian Shares compared to International Shares, etc. We also believe that where possible changes over time in the strategic allocation of capital to investment sectors should generally be made with new capital or from the earnings from existing investments in preference to selling one investment to buy another.

HNW Financial Planning Services