Clear FP is proud to announce our new Graduate Packages to assist new graduates in getting some basic matters in order whilst they concentrate on getting their career started.

 We offer three packages, with the ability to start on one package and swap to another as your needs evolve:
Silver
  • 12-Month cashflow review & discussion around your goals/objectives over the short & medium term. Includes initial planning, to see where you are now, and where you would like to be.

EG, we will discuss if you’re generally in a position to purchase your first/second home, start an investment plan for your future and a general review of your existing position and how we can add value to your situation, over the long term.

  • $660 initial cost includes the initial & second planning meetings, as well as a personalised general strategy for your situation, with the view to move into a gold/platinum package within the next 12 months.

 

Gold
  • 10-20+ year cashflow review, options for ‘early retirement’ & discussion around your goals/objectives over the short, medium & long term. Includes initial/strategic planning, to see where you are now, and where you would like to be.

EG, we will discuss how a personalised investment plan would benefit your situation, a review your superannuation fund(s), review of existing insurances & investments and if these are suitable for your needs, as well as assessing your ‘risk-profile/appetite’ and providing a formal ‘statement of advice’ tailored for your situation, with our specific recommendations.

  • $660 + $2,000 initial cost includes the three planning meetings, and a personalised general strategy for your situation, personal statement of advice & tailored recommendations. The $660 fee will be waived if you have received the ‘silver’ package, or a ‘strategy paper’ already.

Ongoing portfolio management strongly recommended for this package, by our experienced team. This fee will vary significantly, depending on what level of service you require – ranges between $1,750-3,750 p.a

 

Platinum
  • 10-25+ year cashflow review, options for ‘early retirement’ & discussion around your goals/objectives over the short, medium & long term. Includes initial/strategic planning, to see where you are now, and where you would like to be.

EG, we will discuss how a personalised investment plan would benefit your situation, a review your superannuation fund(s), review of existing insurances & investments and if these are suitable for your needs, as well as assessing your ‘risk-profile/appetite’ and providing a formal ‘statement of advice’ tailored for your situation, with our specific recommendations.

  • This package will also include an estate planning review or, more aggressive investment advice, such as gearing/lending with your investments. We will also discuss more complex investment structures (alongside your accountant), to maximise long-term gains within your portfolios.
  • $660 + $4,000 initial cost includes the three planning meetings, and a personalised general strategy for your situation, personal statement of advice & tailored recommendations. The $660 fee will be waived if you have received the packages ‘silver’ or ‘gold,’ or a ‘strategy paper’ already.

Ongoing portfolio management required, by our experienced team. This fee will vary significantly, depending on what level of service you require – ranges between $3,000-7,500 p.a

How We Help You

  • To be successful, you MUST know how to budget!
  • We utilise software linked to your bank accounts and credit cards which keep track of where you are spending your money and how much you are saving every week or month.
  • The information is available on your phone or tablet via the app so you know at the touch of a button exactly where you are with your finances.
  • We can set savings goals so you know exactly when you are able to start investing in your family home, the share market or an investment property.
  • We can allocate funds for future tax liabilities so there are no nasty surprises in the future when you lodge your tax return.
  • Super fund review of fee’s and charges, investment returns over the last 10 years and the insurances they offer, compared to the wider market.
  • Investment recommendation and implementation based upon your Risk Profile.
  • Assistance in nomination of the beneficiaries and how to structure these most tax effectively.
  • Assist with rolling over to consolidate if you have more than one fund.
  • Will and Power of Attorney professionally drafted by an Estate Planning solicitor (Including a Testamentary Discretionary Trust).
  • The Will can be set up to take into future changes such as marriage, starting a family to prevent you having to replicate these costs in the future!
  • In-depth discussion around “who should get what” in the event of you passing away, who should administer your Estate to ensure this is done as efficiently as possible.
  • Setting up of Medical and Financial Power of Attorney so that you know who will make decisions for you in the event of your being in a coma, on life-support or uncontactable overseas.
  • Discussion around why even single people without any dependants or debts should have a legally drafted Will and Power of Attorney.
  • A legal Will is also about who you “don’t” want to receive part of your Estate as much as who you “do”.
  • We concierge and handle the whole process from start to finish to ensure prompt completion.

About Us

We are a pure, “fee-for service” firm in that, besides the commissions we receive for placing your insurance, the only other money we get paid is directly from you, at an agreed price before we start the work! We don’t accept any trail commissions from investment or superannuation fund managers so you can be confident that every dollar you spend is working for you.

 

We can modify and adjust any of the packages above to suit your needs or budget.

The toughest decision in getting your finances in order  is the one you are faced with NOW; getting in touch to start the conversation! It’s as simple as sending of an email to steve@clearfp.com.au or calling our office at

1300 077 123 to arrange a time to discuss your circumstances and how we can help. Our clients are all throughout Australia so where you live is no problem at all.