ADVICE AND SERVICES

We understand that needs change and that the advice you seek may range from something tactical and immediate like finding an investment option for a lump sum inheritance or redundancy payment, to something more strategic and long term, like rethinking your overall position for your future retirement plans.
 
Our financial recommendations that assist you to achieve your goals in one area of your life may have an unexpected impact on other areas. We offer a range of holistic advice strategies that focus on one, two or a number of strategic areas and can be delivered as single, multi or comprehensive format, according to your needs and requests. 

 

Retirement Planning

 

As you near retirement age, the lifestyle you would like in retirement becomes more important. With life expectancies increasing, many people may find they lack the required funds to maintain the lifestyle they enjoyed prior to retirement.

 

PLM Financial Group are specialists in creating and implementing pre-retirement strategies that assist in maximising your wealth once you retire.  We understand the importance of your retirement benefits to you and the subtleties of balancing risk and return. Our goal is to develop a strategic plan for your financial freedom in retirement so you can do things you want to do without financial worry.

 

No matter what your age, start thinking about your retirement today. Some questions to ask yourself:

  • When can I afford to retire?

  • How much do I need to maintain my standard of living?

  • How can I optimise my Centrelink entitlements?

  • What do I need to do before I retire to maximise my nest egg?

  • Can I achieve my retirement goals?

  • How much income can I generate in retirement?

 Feel Secure in Retirement

Our strategic retirement strategies include:
 

  • Superannuation

  • Retirement Savings Accounts

  • Deposit Products

  • Pension Accounts

  • Transition to Retirement Income Streams

  • Centrelink Entitlements

  • Reverse Mortgages

  • Cash Flow Management and Income Requirements

  • Tax concessions within Superannuation

 

Risk Insurance

The best strategies include a plan for the unexpected and incorporate defence mechanisms to protect you if something should go wrong.  Most people have car insurance but often overlook life insurance in the mistaken belief that 'it won't happen to me'.

We offer a broad range of insurance, with varying levels of coverage to suit your needs. Having the right Insurance in place can protect you and your family from the enormous financial toll of permanent disability, unexpected death and prolonged illness, to name a few. 

 


 

Protect You and Your Family with:

  • Total and Permanent Disablement Insurance

  • Income Protection

  • Trauma Insurance

  • Business Expense Insurance

  • Risk Analysis

  • Estate Planning

Superannuation

Superannuation is one of the most effective ways to build your retirement savings.  At PLM Financial Group, we identify tax concessions and Government incentives available to you prior to retirement and once you have made the decision to retire. We then incorporate these into your overall strategic financial plan.

 

Every dollar counts when saving for your retirement. The more you add to your superannuation, the more you build your retirement nest egg and protect the standard of living that you are accustomed to. Australian retirees are living longer and are more active than previous generations. As a result, your savings will need to generate an income for a potentially longer retirement period and be robust enough to keep up with inflationary effects.            

Build your Nest Egg with:

  • Personal Superannuation

  • Corporate Superannuation              

  • Self Managed Superannuation

  • Salary Sacrifice   

Wealth Creation

At PLM Financial Group, we listen carefully to your needs and objectives for wealth creation. We consider your time frame, your tolerance to risk and your savings capacity. Once we have a good understanding of your needs and objectives, we formulate the most effective strategies, our roadmap, for you to build on your wealth. These strategies may be to reduce your mortgage, restructure debt, increase investments and to review borrowing strategies, which can boost tax efficiencies.

 

Our strategies ensure your investment portfolios are completely aligned with your risk versus return profile, are strategically diversified and tailored to your individual needs and lifestyle.

Build Your Wealth with:

  • Investment Strategies

  • Comprehensive Risk Profiling

  • Managed Investments

  • Direct Shares

  • Gearing Facilities

  • Tax Effective Investments

  • Margin Lending Products

  • Equities

  • Trusts

  • Alternative Investments

  • Wealth Management Services

Business Planning

At PLM Financial Group, we have the skills and expertise to analyse your current financial position, listen to your goals and objectives for your business and formulate a strategic plan to help you achieve them.

 

Have you thought about what would happen to your business if you became sick or unable to work for a period of time? We can arrange cover for your business and ultimately your income if you are unable to work due to sickness or injury. Life Insurance attached to your business will provide the funds to assist you return to work as soon as possible and will cover business expenses whilst you are unable to work. This insurance can also protect your employees from the risk that the business might not be able to continue without you.

 

 

 

 

 

Optimise Your Business with:

  • Strategic Business Financial Planning

  • Buy-Sell Agreements and Key Person Insurance

  • Financial Risk Profiling

  • Management of Debt and Cashflow

  • Business Overheads and Expenses Insurance

  • Business Advisory

  • Trusts

  • Self Managed Super Funds

  • Investment of Business Profits

  • Succession Planning for Your Business

 

Find us on Facebook

  • Facebook Social Icon

 

Our Ultimate Goal is Your Financial Freedom.

PLM Financial Group Pty Ltd ABN 85 181 475 198 is a Corporate Authorised Representative of Financial Services Partners Pty Ltd, ABN 15 089 512 587 AFSL 237590

View our Financial Services Guide and Privacy Policy: