Pointons Financial Planners is one of Australia’s few privately owned financial planners to hold a Financial Planning Licence.
Privately owned financial planners stand out from their peers. Most large financial planning firms and “private banking” services in Australia are fully or partially owned by banks or other financial institutions.
Retirement and superannuation planning
Making the decision to retire can be more difficult than you think and for some the decision is made for them. Being prepared for your retirement will ensure the least impact on you, your family and your financial goals.
Our Financial Planners can provide expert counsel on superannuation management from inception to retirement and beyond. We will help you to optimise your finances and look at how your needs will change over time. Our team can help you to use your various income sources to fund different stages of life. Start preparing for retirement now to capitalise later!
Income protection insurance
Designed to help you get back on your feet financially in the event of the unexpected i.e. illness or injury. These types of policies typically cover someone when other mechanisms, such as workers’ compensation, do not apply.
Our team of Financial Planners are here to assess your current and future needs to ensure you have the right income protection insurance in place.
Pays a lump sum of cash in the event you either pass away or are diagnosed with a terminal illness.
There is one thing that can instantly mean you won’t accomplish your family’s financials goals and that is the event of your death. If anyone else is relying on your income, and would be unable to pay their bills without your support, life insurance is an option that should be considered.
Many factors contribute to the calculation of the amount of Life Insurance an individual should have including their age, debt, family situation, financial goals, savings rate, burial costs and other financial obligations.
Our team of future focused Financial Planners are equipped with the skills and knowledge to assess your current and future needs to ensure you have the level of cover needed for your desired situation.
Helps us protect ourselves and the things we value, such as our homes, our cars and our valuables, from the financial impact of risks, big and small- from fire, flood, storm and earthquake, to theft, car accidents, travel mishaps- and even from the costs of legal action against us
Registered Justice of the Peace
At Pointons Financial Planners we have a registered Justice of Peace (JP) who can be an independent and objective witness to documents which can be used for any official or legal purposes which includes:
- Certifying a true copy of an original document
- Certifying a person’s identity
- Witness an affidavit for use in court
- Witness a statutory declaration
- Witness the signing of a document
Investment planning delves into the nitty-gritty of asset mix, asset returns, and diversification.
Pointons Financial Planners deliver sound knowledge and understanding in all areas of the investment market, providing a tailored solution, specific to your investment needs. Our advisers take into consideration a range of investments such as property, international and complex investments as well as managed funds and shares.
Whether you are a seasoned investor or a beginner, there are plenty of steps you can take to grow and secure your money.
The Benefits of Investing in Shares
Investing in shares has both benefits and risks, some benefits include; the ease of trading, flexibility, capital growth, passive income, taxation advantages though the Capital Gains Tax discounts, they can be low cost, their liquidity, when taking dividends into account their rate of return can be quite acceptable over the long term, greater access to information in relation to your investments giving you personal involvement in your investments. Before committing to any investment, it is important to consider the level of risk that you are comfortable with, and your investment objectives. Pointons Financial Planners can help investors establish their most comfortable risk/return stance.
Do-It-Yourself Investment Portfolio
With unlimited access to information comes the thirst to challenge ourselves. Many people have gained an appetite and ability to manage their own investment portfolio.
Today’s do-it-yourself investor requires three key elements to ensure the long term success of their portfolio: Money to invest, a great deal of time to be well-informed about listed companies on an ongoing basis, and access to financial data to enable technical evaluation of shares.
Once shares have been chosen and purchased there will be ongoing, frequent assessment of whether to hold, sell or buy more shares. When it comes to buying and selling shares there are two types of services offered to support investors; advice and execution.
If you already know what shares you want to buy, and only require a broker to perform the execution of a trade, i.e. conducting the transaction resulting in a purchase or sale of shares listed on the Australia and International Stock Exchanges, then there are many execution-only platforms available to our Financial Planners.
Additionally, Pointons Financial Planners can also offer advice. This means we will do research on companies, dividends, movement in share prices and will provide recommendations to you about the shares that you are considering to buy or sell and the consequences of the timing of the trade.
Professionally Managed Portfolios
Pointons Financial Planning team can take the time and energy burden of share market investing off your hands, and professionally manage your portfolio on your behalf. Our Financial Planners have access to the highest quality independent research which is updated in real time with relevant changes in the market. Our team of professionals will be able to make the entire process simple for the investor, providing both advice, and handling all aspects of the implementation.
When you invest in a managed fund, your money is pooled together with other investors. A fund manager then buys and sells assets, such as shares or bonds, on your behalf.
Our Financial Planning team are equipped with the knowledge and skills to provide you with informed information in relation to different types of managed funds, and the risks and potential return which will help you choose the best managed funds to reach your financial goals.
Self Managed Superannuation Funds (SMSF) establishment, including Warrant Trusts
When you manage your own super, you put the money you would normally put in a retail or industry super fund into your own SMSF. Your SMSF can have no more than six members. Most SMSFs have two or more. As a member, you are a trustee of the fund – or you can get a corporate trustee. In either case, you are responsible for the fund.
While having control over your own super can be appealing, it’s a lot of work and comes with risk. Pointons Financial Planners can take the stress out of the fine detail of your SMSF by using their expertise to guide you through the compliance, taxation, investment and management of your SMSF ensuring the greatest outcome for your retirement
Succession Planning ensures you are prepared for change and can make transition out of your business easier. Our team can help you build the strategy for identifying and developing future leaders at your company and successfully transfer your business to your successor when you leave, retire or when you breathe one’s last.
At Pointons Financial Planners we will help you through this difficult time, constructing a redundancy plan and getting back on track. Pointons Financial Planners will make sure your succession planning is rigorous, outlining who will take over your business when you leave, helping your business transition smoothly into new ownership. Planning early can maximise the business value substantially.
It’s wise to build an estate plan, if you’ve got people who you love and want to take care of. This plan, which you can put together with the help of our Estate planning specialist, will clarify and make sure loved ones are taken care of in the event of your death.
An estate plan is more than just drawing up a will. It also involves formalising how you want to be looked after (medically and financially) if something happens to you, or if you’re unable to make your own decision later in life. Our Financial Planners can help you prepare an estate plan to make sure your wishes about what you want to happen to your assets and affairs are carried out when you pass away.
Australia’s ageing population is an ever-growing phenomenon. Pointons Financial Planners recognize the need for an Aged Care Professional to give accredited advice to our clients on these matters. Our Accredited Aged Care Professional advises on strategies for accessing aged care, aged accommodation choices, CentreLink and Veterans’ Affairs and understanding negotiations with aged care facilities.
With the number of “Baby Boomers” now reaching retirement age, battling with Centrelink has never been more difficult.
The Pointons team provide extraordinary services for all your Centrelink related payments, concessions and any other services. Our professionals will guide you through whether if you are eligible and applying for any benefits, facilities, payments or any other supplements from Centrelink such as age pension, youth allowance etc.
Wills & Power of Attorney
A Will is a legal document that sets forth your wishes regarding the distribution of your property and the care of any minor children. A Power of Attorney is a legal document that you can use to appoint someone to act on your behalf- that is, to be your decision maker.
Our Financial Planners can advise you in relation to the granting of a Power of attorney, help you to draft the appropriate documentation and make sure that it represents your interest.
Insurance / Return to WorkSA payout advice and certification
Return to WorkSA provides insurance that protects businesses that employ workers in South Australia from the costs of a work injury. Here at Pointons, Our Financial Planners will serve you with the application procedure, payout negotiation advice and complete the compensation medical certification that is legally required to obtain your payout.
Australia’s ageing population is an ever-growing phenomenon.
Pointons Financial Planners recognise the need for an Aged Care Professional to give accredited advice to our clients on these matters. Our Accredited Aged Care Professional advises on strategies for accessing aged care, aged accommodation choices, Centrelink and Veterans’ Affairs and understanding negotiations with aged care facilities
What makes Pointons Financial Planners special?
“Pointons Financial Planners are not affiliated with banks or insurance companies, which means we work only for you, the client.”