Our Services

Financial Planning

Our professional services include:

  • Strategic Financial Planning in the areas of
    • Wealth Accumulation
    • Superannuation
    • Retirement Planning
    • Estate Planning
    • Business Succession
  • Investment Advice & Education
  • Placement of Investments
  • Ongoing review and reporting services in relation to:
    • The performance of your investments.
    • The current market and economic conditions
    • Updating your current personal and financial objectives and ensuring that your strategy remains appropriate
  • Self-Managed Superannuation Funds

We also are happy to provide advice to you on the following matters although we usually prefer to refer our clients in need of special assistance in these areas to those more skilled in this area.

  • Life and disability insurance advice
  • Tax and financial structuring
  • Loans and refinancing

Our Costs

The first step in any Professional Relationship is for us to meet. At our initial meeting the opportunity is taken to:

  • Clarify your current personal and financial position and objectives.
  • Determine your specific reasons for seeking advice and agree on those matters that we are to consider for you.
  • Discuss briefly and gain your opinion on the various options available to you. This could include:
    • The different strategic options.
    • The different investment options.
  • Define the type of assistance that we could offer, the action we would need to undertake and provide you with a quotation of the likely costs involved.
  • Point the direction forward.

A typical initial meeting will run for around 60 to 90 minutes. A fee of $198 (inclusive of $18 GST) is charged for this consultation and is usually invoiced to you after our meeting at the same time as we confirm in writing the outcome of our meeting.

More details as to our cost structures can be found in our Financial Services Guide (FSG).

We believe that, overall, our service remains very cost-competitive.

Self-Managed Superannuation Funds

Self-Managed Superannuation Funds (“SMSFs”) are, for many, proving the favoured choice of retirement savings vehicle.

An SMSF is a powerful wealth creation vehicle that will help maximise a person’s retirement income and secure their lifestyle. They can offer substantial rewards for their members including:

  • Greater CONTROL of the underlying investments within your fund.
  • The capacity to better UNDERSTAND the underlying investments within your superannuation, to monitor them and gain COMFORT in that knowledge, particularly at times when market conditions are volatile.
  • Better TAX EFFICIENCY
  • Greater FLEXIBILITY
  • Potential cost savings, and
  • A highly tax effective estate planning tool.

O.S Financial Planning has been working in the area of SMSF’s since 1996. Our main objective in designing our SMSF service is to accommodate the varying needs of those who wish to SELF MANAGE their superannuation by offering the option of using as many or as few of our services as they require.

Typically our clients might opt for:

  • The “full” suite of services that we offer that are designed to reduce the level of your RESPONSIBILITY that you take on in an SMSF to general decision making from time to time. This service incorporates:
    • The provision of initial and ongoing financial advice
    • The provision of initial and ongoing compliance work to ensure that the SMSF is operated within the rules of law at all times.
    • The arranging of the Accounting, Audit and Actuarial (if applicable) needs of the fund on an annual basis.
    • An administration service that receives and deals with all communications relating to the fund’s investments as well as other obligations throughout the year.

  • Alternatively, nominate a combination of “some” of the above mentioned services. For example;
    • Ongoing Financial & Compliance Advice only.
    • Ongoing Compliance and Administration Services only.
    • Ongoing Compliance and Arranging for the Accounting/Audit only.

Subject to our initial discussion, O.S. Financial Planners are happy to enter into a “Consulting Management Agreement” with your SMSF to provide some or all the ongoing services to your fund at a negotiated annual fee. This will provide peace of mind, knowing that the undertaking of particular areas of responsibility in an SMSF are at all times being undertaken by a professional with substantial knowledge and experience in the field.

Alternatively, some clients prefer to utilise our “hourly fee for Service Arrangement” when engaging our services.

We would be happy to meet with you to discuss these options in greater detail.

Mark’s FSG (PDF) & Paul’s FSG (PDF).

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Why O.S. Financial Planning?

• We treat every client as an Individual. Everyone is different and therefore every solution needs to be tailored to suit your needs.

• We talk to you about your short, medium and long term goals, so as to gain an understanding of what is important to you. It’s not all about dollars and cents.

• Our goal is for you to understand the principles of investment. We believe that Financial Planning is as much about education as it is about investing and strategies.