Services
We are passionate about making a positive difference in peoples’ lives.
To do this, we must gain an in-depth understanding of your needs, goals and what is important to you.
We then provide thoughtful, researched financial advice with the intention of creating the best possible situation for you, and the people who matter most to you.
Every client is different and has different knowledge and experience. We don't have a one-size-fits-all approach, and we personalise and tailor the pace and deliverables to suit you .
Our Process
Step 1 - Over the internet, phone or in person, we discuss where you are now, and where you'd like to be - in order to collect details specific to completing our research and analysis.
Step 2 - We will present an overview of our strategies with detailed research and analysis supporting this. We discuss these outcomes and how they match your preferences and desired outcomes.
Step 3 - Considering the discussions and feedback of our strategy meeting, here we will formalise our strategic approach and present the finalised advice document. If comfortable, paperwork is signed.
Step 4 - It is at this stage we implement your tailored strategy. Our goal is to take care of the majority, if not all implementation responsibilities to make this as smooth a transition as possible.
Step 5 - Our personalised service offering is implemented from day one, designed to keep you informed, comfortable and educated throughout.
Step 6 - We will establish a recurring time frame (minimum once per year) for your review meetings, conducted to ensure your strategy is proactively tweaked and adjusted to your evolving circumstances.
Superannuation & Retirement Advice
Superannuation is one of the biggest investments you’ll make, but rarely gets the attention it deserves. With expert advice in relation to fees, performance and value for money, we help you enjoy the best possible retirement.
We will work with you to identify an appropriate investment mix, a service level that meets your preferences, as well as the ongoing advice and support to ensure your superannuation is working hard for you.
Swell Financial Planning can assist with:
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Finding lost super
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Consolidating multiple accounts
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First Home Super Saver (FHSS) Scheme
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Self-Managed Super Fund (SMSF)
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Salary sacrificing
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Pension strategies into retirement
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Sustainable superannuation
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Downsizer contributions
Wealth Protection & Insurance Advice
You most likely have car insurance, you probably take out travel insurance when you go overseas, and if you own a house, you probably have home and contents cover.
Your ability to earn an income is the most important asset you own - yet the majority of Australian's don't insure this.
We, as Financial Advisers, can create the best plan for you - but most plans are underpinned by your assumed ability to earn an income. Insure it! Otherwise, should your income cease, your plan will fail, and the repercussions of this can be financially devastating to you and your family!
Insurance is complicated. Insurance products aren't the same between all providers, and it is important to receive advice so that when/if you need to claim, you aren't left hanging.
We can talk to you about different benefits, how much cover is appropriate and also how to fund the policy premiums.
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Life Insurance – Pays out if you die, or if you become terminally ill.
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Total & Permanent Disability (TPD) insurance – Pays out if you can never work again due to an injury or illness
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Trauma or Critical Illness insurance – Pays out on diagnosis of a range of medical conditions, such as Cancer, Heart Attack, Stroke plus many more.
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Income Protection insurance – Pays a monthly benefit to you if you are sick or injured and unable to work. This benefit can be long term or short term.
Budgeting & Cashflow Advice
Our sophisticated, real-time software can assist you in taking control of your cashflow & take the stress out of budgeting.
We can help by providing a clear snapshot of where you are and illustrate the path you’re currently on. From there we can then provide alternative scenarios based on simple, but effective changes.
The budgeting process begins by understanding your exact inflows and outflows. Money Smart provide a free budget spreadsheet that can help categorise your finances. Once we have a clear snapshot, we can clarify your goals and design a unique path to illustrate how you can achieve your goals. A clearly defined budget will give you control of your money and allow you to reach the goals you want whether they be:
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Paying down debt
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Being able to holiday regularly
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Save for your first home or investments
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Put money aside for your children
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Or simply build up a cash buffer
Building Wealth & Investment Advice
With a tailored approach to investment planning that considers your personal goals, timeline, and preferences, we can help you build wealth and navigate a complicated area of personal finances.
With so much information available, it can often be overwhelming attempting to make sense of it all. Firstly, we can help you understand the various options and asset classes. We can help you make sense of all investment options including:
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Cash Savings
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Term Deposits
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Fixed Bonds
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Shares
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Investment Bonds
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Property
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Managed Funds
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Passive and Active Investments
From there, we will identify the best approach for you to achieve your desired outcomes. We will provide ongoing advice and support to ensure this continues to meet your needs and expectations.
Tax Advice:
Please note that your adviser is a qualified tax relevant provider. We may discuss tax implications of certain financial products, and benefit payments where the advice is:
- provided in the context of the personal advice given to you, and
- part of the financial advice which interprets and applies the tax laws (including tax, superannuation and SMSF laws) to your personal circumstances.
If you require advice in relation to liabilities, obligations or claiming entitlements under a taxation law, you should seek advice from a registered tax agent. You should consult an appropriate taxation adviser for tax issues outside of Australia.
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Do you know how your money is invested?In the past, most Australians didn't think about what their money was doing. Well, beyond making them more money, that is. However, in recent years a surge in community interest in social causes – from labour conditions to medical innovation to climate change – has created a seismic shift in the investment scene. In fact, nearly half of investments in Australia in recent times have been made ethically, with consumer demand the major driver.
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So, what exactly is an ethical investment?"Any investment where an individual or company has chosen to invest in line with their values can be said to be called ethical. In formal terms, this refers to a process which takes environmental, social, and governance (ESG) issues into account when researching, analysing, and selecting investments. However, from this point the definition becomes blurry, as these ESG values vary from person to person. For example, you might have a moral issue financing a company that is involved in the destruction of old-growth forests. However, you may have no qualms in supporting a company which manufactures alcohol. What's important is your investment factors in these values and your money supports companies and activities you like, not dislike.
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What are some types of ethical investments?According to the Responsible Investment Association Australasia (RIAA), there are five major processes you can use to make your investment ethical: Sustainable investments: Investments in assets specifically related to sustainability factors, such as green energy or water technologies. Screened investing: Investments which exclude low ESG sectors, companies or projects, such as gaming, weapons, tobacco or fossil fuels. Instead, they should include high ESG sectors, companies or projects, such as green energy and medical research into your portfolio. Impact and community investing: Investments aimed at solving social or environmental problems whilst delivering financial returns. Corporate advocacy and shareholder action: Investments which engage shareholders to influence corporate behaviour. Integration of ESG Factors: Involves the systematic and explicit inclusion of ESG factors into traditional financial analysis and investment decision making.