The team at Direct Advisers can provide you with financial confidence, security and direction to help you achieve your financial and lifestyle goals.
Financial advice can help you achieve your lifestyle goals at any age and any stage - whether you’re saving for your first home or buying your tenth property, whether you’re just starting out in your career or ready to retire.
Our experienced advisers can help you understand your current situation, define your goals and help you put a plan in place to reach them. And because we are paid on a fee for service basis, you pay only for the level of advice you need.
Basic Limited Advice
If you are after specific recommendations about suitable investment products for your available funds that match your risk and return profile, our Basic Limited Advice provides a quick, simple and cost-effective service specific to your needs.
Comprehensive Strategic Financial Planning Advice
If you are looking for more general financial advice that considers all aspects of your present circumstances and future goals, our Comprehensive Strategic Financial Planning Advice service will provide you with a financial road map to show you the best way to achieve your aims. Comprehensive strategic financial planning advice takes a strategic view of your financial situation. As well as making specific investment recommendations, we also provide appropriate advice on cash flow, taxation, superannuation, insurances, estate planning and retirement planning, together with an estimate of the probable outcomes of the strategy.
Superannuation can be a tax-effective method of saving for the retirement you hope for. It can also be complex and confusing. Direct Advisers can help you put a plan in place to make the most of tax concessions, incentives and rebates.
We can also help you navigate the large number of superannuation funds available to find the one that best suits your specific situation and goals. As a privately owned firm you can be confident that the guidance we give is always in your best interest.
If want to establish a strong foundation for your future, or if you’re ready to transition to retirement, we can help you get your superannuation sorted.
We can advise on all forms of superannuation including Self Managed Superannuation Funds, Industry Superannuation Funds and Personal Superannuation Funds.
Self Managed Superannuation Fund Advice
Ursula Boorman is a Specialist SMSF AdvisorTM.
More and more Australians are choosing to manage their retirement wealth through their own Self Managed Superannuation Fund.
SMSFs can provide many advantages for those who want to make their own investment decisions and take charge of their retirement strategy, such as the ability to select specific assets and the flexibility to make timely investment decisions when market conditions change.
However, it can also be daunting and complex to tackle SMSF on your own, with serious consequences for noncompliance.
Our SMSF specialist advisers can help you assess the merits of self-managed super for your specific situation and help with all aspects of setting up a SMSF. We can help make sure your fund is compliant with all government regulations and requirements, and take the hassle out of the necessary paperwork.
Our services for SMSFs include advice, strategy, structure, research, rollovers, investments, administration and compliance.
Aged Pension and Aged Care Advice
Aged Pension Assist
Direct Advisers can manage your Aged Pension and take the hassle out of navigating Centrelink’s complex web of forms and procedures. Whether you are an existing Centrelink client, or are entitled to an Aged Pension but haven’t yet applied to Centrelink, we can provide you with peace of mind by managing the process for you.
We will carry out a full review and ensure you are receiving your maximum entitlements and benefits. It is important you don’t get trapped in disputes and debt repayments so we will help you complete any forms and deal with Centrelink directly on your behalf, including attending any interviews that may be required.
Aged Care Advice
If you or someone you know is contemplating entering an aged care facility or retirement village, it pays to speak to an expert before making a financial commitment.
This can be a sensitive and uncertain time for families, and it is important that any financial decision is well researched and carefully considered.
Unfortunately there are many traps for the unwary or uninformed when buying into an aged care facility or retirement village. There are significant differences between the two, and a range of ownership structures available. Not understanding the implications can have devastating consequences when it comes time to sell, and can lead to unexpected costs during the term of ownership. The arrangement can also have a significant impact upon Centrelink benefits.
At Direct Advisers, our friendly and approachable team are specialised in providing aged care advice, and can help explain the complexities and guide you through the process.
Personal and Business Insurance
You never know what life will throw at you, but you do know you want to protect your family’s future.
Should something unexpected happen, insurance against death, illness or injury is an important financial safety net for your family, dependents and business partners. Personal and business insurance can help provide financial security and peace of mind for you and your family.
There are countless insurance providers and a range of insurances available covering numerous situations, including cover for up to 50 trauma events including cancer, heart attack and cognitive loss.
Insurance is one of the most neglected aspects of a person’s financial plan, and yet it can be one of the most important. That’s why Direct Advisers provides personal and business risk specialist services to help you prepare and plan for the unthinkable.
We offer a free review and analysis of your personal and/or business risk insurance needs to uncover any gaps in your current cover.
Our access to a broad range of providers ensures we are able to offer fully researched insurance solutions that provide the best possible cover at the best cost, to suit your personal situation, goals and objectives.
Investment Advice and Portfolio Management
At Direct Advisers, we take the time to really understand your current situation and future goals, so we can make suitable investment recommendations.
We will only recommend an investment to you after considering its suitability for your individual objectives, financial situation and needs. We also explain the reasons and risks associated with any investment recommendation in plain language to ensure you are comfortable every step of the way.
Our primary role is to establish a long and enduring relationship with you so that we can assist with the management of your investments. While the initial advice is very important, it is equally important that your investment portfolio is actively managed in line with changes that may stem from economic forces, world events, changes in legislation, investment performance or changes to your own personal circumstances.
We all work hard to provide for our family, yet many of us give little through to ensuring the protection of that hard work in the event of an untimely disablement or death.
The frightening fact is 40 per cent of Australians die without a will. Many more have wills that are outdated and no longer relevant to current circumstances. Don’t allow yourself to be one of them – the effects upon your family and loved ones can be catastrophic.
In addition to a current will, it is also important to ensure that a trusted person, usually a family member, holds an Enduring Power of Attorney for you in the event that you become incapacitated due to illness or injury. This will ensure your affairs continue to be managed in the way you want. Something as important as your family’s future should not be left to chance.
In conjunction with a professional legal adviser, we will help you design an appropriate Estate Planning Strategy to ensure the continuation of your family’s lifestyle should something unforeseen occur.
If you have shares you wish to sell, but do not want to set up an online stockbroking account, you can take advantage of Direct Adviser’s stockbroking service.
This service has proved popular with people who may have only one or two shares for example.
It is also available for use by legal firms when winding up a deceased estate.
Direct Adviser’s ‘no advice’ stockbroking transaction service is offered in conjunction with CMC Markets Stockbroking Limited.
The cost is very competitive, and clients using our comprehensive ongoing service pay a reduced fee. Please contact us to find out more.