Services

Financial Planning

Financial planning takes vision, time, and utilises a number of tools.

What is Financial Planning?

How can We Help You?

Financial Planning (or Wealth Management as it is also known) supports clients to build wealth, become financially secure or navigate difficult financial circumstances.  Typically, financial planners review short, medium and long-term goals and develop sustainable action plans.  This can include super, SMSFs, insurance, investments, property and any other tangible or intangible goal such as “financial freedom”. 

As part of this process, Private Capital Management will thoroughly review your income, expenses, assets and liabilities and partner with you how to best leverage your current situation and achieve your goals.

The Private Capital Management Difference

We are a little different compared to some Financial Planners or Mortgage Brokers.  We use our insight from both the Financial Planning and Mortgage Broking industry to support our clients.  We leverage our experience and education working within some of the worlds largest banks to provide clients with honest, transparent and intelligent strategies.  We are a massive believer in delivering recommendations to clients that saves money as a “penny saved is a penny earnt”. 

The beauty of Private Capital Management is that we are not affiliated with any financial product provider – meaning we can select investments or products for clients that we believe are in their best interests, cost effective and not forced upon our valued clients from some higher power within a large financial institution.   Every investment product or vehicle is at arms-length through a third-party as we believe in best of breed strategies and not pushing our own investments. 

Our advice is honest, thoughtful and intimately considers our clients now and into the future. 

The Private Capital Management Difference

There are multiple ways to increase your financial position and Private Capital Management are here to analyse your position and offer the best advice for you.

Debt Management and the Efficient Use of Leverage

Debt management services creates client goals regarding how to budget, use offset accounts, determine if they should take on further debt or even reduce the amount of debt they have.  Debt management aims to reduce the interest clients pay or use debt in a tax-efficient manner. 

Private Capital Management has a Credit Representative Licence, meaning we are able to offer clients mortgage broking services and understand leverage much more intelligently than stand-alone mortgage brokers.  This is a powerful combination.

Wealth Creation

Wealth Creation drives many of our client interactions and can be achieved by increased savings, smarter investment decisions or a more active and sophisticated approach to managing assets. 

During our initial strategy session, it is critical that we understand your goals, the investment tools you are comfortable to use, as well your tolerance to risk.  The more risk in a portfolio, the potential for greater return but also loss.  We will work with you best understand how comfortable you are with risk.   

There are many investments that we may use, and includes: Cash, Term Deposits, Bonds and Fixed Income, Shares, Exchange Traded Funds, Managed Funds, Superannuation and Self-Managed Super Funds.

Financial Protection and Insurance Advice

The goal of personal insurance is to limit the impact of a serious event or death on your lifestyle, and includes life, TPD, Trauma or Crisis, Income Protection and Business Insurance.

See our dedicated Insurance page which reviews insurance options in greater details

Retirement Planning

Retirement planning looks at funding retirement (accumulating wealth) and maximising income during retirement (drawing down wealth and is also known as your “pension phase”).

Increasing retirement income involves growing your asset base to ensure that when you reach retirement, you have enough funds to fund your retirement. This could include putting more funds into super, purchasing an investment property, or using debt to purchase a share portfolio. 

Retirement income planning may include maximising government benefits or utilising current assets and super to draw income in an efficient and effective manner.

Estate Planning

There are many Estate Planning tools which typically include Wills, Power of Attorney, Testamentary Trusts and nominating Beneficiaries for Superannuation.

We partner with a number of experienced and friendly solicitors to prepare legal documents and for our full-service clients, we even join you for the introductory meeting to share the financial recommendations prepared.

Taxation Planning

The goal of tax planning is not to be dishonest or unethical though to ensure client finances are structured in a tax efficient and friendly way, which may include: salary sacrifice, borrowing to invest, negatively gearing an investment property or shares.  This may also include advising a client to obtain a depreciation report for an investment property.

Nathan Ide as Managing Director of Private Capital Management is a Registered Tax (Financial) Adviser ID 25865204.

Business Financial Advice

Business financial advice allows business owners maximise their business assets, borrowings and protect their business through business insurance. 

Check out our link for further detail on business insurance products.  Insert business insurance link.

Private Capital Management is also able to partner with our business clients with the ability to obtain commercial finance through our Credit Representative Licence.

Our Advisory model

Discovery

We discuss your key financial goals & objectives, work out timeframes and assess your current situation.

Stategy

In this stage we discuss your available options, the "gap" and define a clear next step.

Plan of Action

We discuss clear steps and define the right advice for you, following through with the plan of attack.

Ongoing Management

We provide the information you need for success. With an outsourced management solution, that provides full accountability.

Frequently Asked Questions

Cash Management Trusts are generally attached to investment, super and trading accounts. CMAs generally provide clients with a higher amount of interest compared to basic bank accounts. CMAs are defensive in nature, and used to reduce risk within a clients portfolio.

Financial institutions such as banks and credit unions offer term deposits which range from one month to a few years. A term deposit pays a set amount of interest for a fixed term. Typically, the longer the fixed term, the higher the interest rate. Term deposits are a defensive asset class and are used to reduce risk within a client’s portfolio and to provide income.

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Private Capital Management

Financial planning session

Plan ahead with a complimentary financial planning goals session.