PT Wealth Solution Services

Whether you are 18 years of age or 80, it is never too late or too early to begin looking after your money. At PT Wealth Solutions our aim is to help you make the most of what you have, and making sure that you have more in the future. It's about managing your money in order to ensure that you can enjoy your life.

Our advisers will take the time to sit down with you to understand what you want. This ensures you get the strategy and approach that works for you.

We offer advice and assistance on a wide range of strategies and services including:

  • Wealth Creation Strategies
  • Debt Reduction Strategies
  • Tax Management
  • Portfolio and Investment Management
  • Wealth Protection (Personal Insurance)
  • Superannuation & Retirement Planning (including SMSF)
  • Estate Planning
  • Loans & Leases

Wealth Creation Strategies

Once we have understood your goals, by completing the PT Financial Planning Process. We here at PT Wealth Solutions can develop and implement a strategy for achieving them.

A PT Wealth Solutions adviser can help you with;

  • Salary Sacrificing
  • Budgeting and Cash Flow Strategies
  • Choosing the right Superannuation Fund
  • Understand the different types of Asset ownership structures available to you
  • Finding an Investment strategy that works for you
  • Determine if a Debt gearing strategy is appropriate for you

We ensure that when we take on a new client, our aim is to review the client's entire "Financial House" to ensure that their financial affairs are in order.

For those clients that are fortunate enough to already have their mortgage paid out and are looking at their next investment decision, our advisers can help you work through the different investment options available to you and help develop a tailored plan that will help you on your path to creating wealth.

Our experienced advisers can help you decide on whether purchasing an investment property, implementing a debt gearing strategies or setting up a dollar cost averaging investment portfolio is the right decision for you.

Debt Reduction Strategy

An effective wealth creation strategy will in most cases incorporate an effective debt management strategy, which can have a significant impact on wealth creation, that's why speaking to a PTWS adviser, who are authorised credit representatives of Moneywise Securities can point you in the right direction.

Most clients with a mortgage, one of the first things they would like to do, is to pay off their mortgage quicker!

For a number of years, PTWS clients have been able to capitalise on our experience by implementing a tailored solution that will help home owners to act in a disciplined manner to ensure that they manage their finances, invest for the future whilst putting in place a budget to help them achieve their goals sooner of creating wealth for their retirement.

Tax Management

PTWS takes into account the consequences of taxation when determining our tailored recommendations. We can assist clients by taking into consideration the current tax legislation to maximise the opportunities that relate to you. In addition, if you require specalised 'tax advice' we are able to arrange this through our network of Accountants & Tax Advisers who have been serving small to medium sized business and individuals.

Portfolio and Investment Planning

PT Wealth Solutions can develop an investment plan to ensure your money works hard for you.

When developing your investment plan, we will;

  • Identify your attitude to risk
  • Match a recommended investment portfolio to your risk profile
  • Implement your chosen investment portfolio
  • Regularly review your investment portfolio's performance
  • Re-balance your investment portfolio when your circumstances change
  • Look at Dollar Cost Averaging or Lump Sum Investing

With literally thousands of managed funds on the market, PT Wealth Solutions is well placed to help you choose a fund that reflects your risk profile. Managed Funds can offer flexibility and diversity without requiring a large initial investment. Our clients have used managed funds to achieve their medium and long term wealth accumulation goals, allowing them to boost their super savings, or help save for major goals such as purchasing a family home and helping achieve their retirement goals.

Wealth Protection (Personal Insurance)

PT Wealth Solutions can help you understand your risk and implement strategies to reduce your exposure, so you can rest easy, we will:

  • Identify and measure your risks
  • Review existing insurance policies to ensure they are meeting your needs
  • Recommend and implement an appropriate insurance strategy
  • Monitor and review your insurance strategy on an ongoing basis

Your financial plan needs to include a strategy to protect the key income earner in case they end up with an injury or illness that takes them out of the workforce. This is called risk management. Unfortunately plenty of things can go wrong including death, disability, injury, a disaster such as a fire, bankruptcy of a crucial debtor. The list goes on... It is a sad thought but with death and/or injury there are expenses - medical, funeral, assistance, etc - and that's why the right protection products are part of your overall financial plan.

We will help you work out what are your most appropriate types of protection and we will help you obtain the right types and amounts of cover that you need for your situation.

Superannuation and Retirement Planning

Regardless of your age, it is never too early or late to begin looking after your money. People's version of retirement varies from one person to the next. However, most clients have the aim of being "financial independent" and want the freedom to have choices in their retirement, not having to rely on the government for assistance.

At PTWS our retirement planning involves reviewing your existing assets, liabilities, income and expenses and working out a plan that will meet your goals for retirement. Talking into account your personal goals, needs and wants. Your PTWS adviser will help you make informed decisions while at the same time help you develop a personalised strategy that will help you maximise your wealth for retirement.

Self Managed Superannuation Funds (SMSF)

At PT Wealth Solutions we adopt a team approach when it comes to SMSF with our advisers and accountants working together to ensure that your strategy is appropriate for your objectives and that your SMSF is set up, administered and managed correctly.

For clients who are interested in setting up their own SMSF, there are a number of advantages in running your own self managed super fund such as control, lower costs and tax benefits. If you are in business, a high income earner or you are nearing retirement and have more than $200,000 to invest then a SMSF is something that should seriously be considered. Many of our clients have found that running their own SMSF has added tremendous value to their retirement strategies.

Estate Planning

PT Wealth Solutions can help you put your affairs in order, we will:

  • Identify your estate goals
  • Identify your preferred executors
  • Clarify likely estate taxes
  • Review your will and powers of attorney
  • Liaise with your solicitors in the drafting of your will and powers of attorney

This is all too often put in the too hard basket but if you don't want to leave your loved ones in a financial mess when you finally leave this world then Estate Planning is the way to go.

This is an area of massive neglect in Australia and it causes many financial and family problems when loved ones pass away. A will is a starting point but Estate Planning goes a number of steps further. A will allocates the assets that are held in your name.

At PT Wealth Solutions we can help you create the financial outcomes for the ones you care about. For instance, if you have in business you might want to set up a structure that means the business can trade on without you. Or if you have a number of dependants, you may want to look at setting up a Testamentary Trust to ensure not only that your assets are dealt with appropriate, but your dependants pay the least amount of tax.

Loans & Leasing Requirements

The team at PT Wealth Solutions adopt a hands on approach when it comes to lending, due to our extensive list of contacts within the financial services industry, we work directly with the broker (being the authorised credit representative), your accountant and you.

Whether you are an individual looking to buy your first home, finance the purchase of your new car or you are in business and looking for additional working capital, please feel free to contact PT Wealth Solutions as we can help you with;

  • New home loans
  • First home buyers grant
  • Refinancing
  • Personal loans
  • Line of credits
  • Commercial and business loans
  • Equity loans
  • Motor vehicles
  • Margin lending
  • SMSF instalment warrant borrowings