Financial Planning

The firm offers Financial Planning through an affiliated Financial Advisory Service.

Frank Khouri & John Cutajar are qualified Financial Advisers and also Authorised Representatives of Fiducian Financial Services.
To find out more about Fiducian Financial Services click on this link...

What is Financial Planning?

Financial Planning is an ongoing process that assists you in establishing your financial and lifestyle goals and then helps you to achieve them by making optimum use of your financial resources.

As everyone has different investment and lifestyle needs, you need to have your own specialised plan.

People rarely think to themselves I could really use a Financial Plan right now.  In reality, you want answers to specific questions or concerns.

How often have you asked yourself any of the following:

  • How can I build my wealth in a tax effective manner?
  • How can I make the most of the new super changes?
  • When should I make a will?
  • How much do I need to retire?
  • Can I get higher returns without higher risk?
  • How can I increase my wealth?
  • Should I borrow money to invest?

If these concerns have crossed your mind, you are not alone.  People are increasingly more concerned about taking charge of their financial matters, particularly their retirement.

Financial Planning is Different from Investment Advice

We can help you better understand the whole of your financial story.  This is what Financial Planning is about its a broader perspective than investment advice. Investment advice is only one of the benefits of financial planning.  Financial Planning takes account of all your current and potential sources of income, your objectives and taxation.
 
For instance, we can work with you on your:

  • Gearing and mortgage requirements
  • Superannuation accumulation
  • Retirement planning
  • Taxation issues
  • Wealth accumulation
  • Salary Sacrifice strategies
  • Estate planning issues for discussion with your solicitor
  • Asset and income protection through insurances

What we do for you

After learning about your concerns and analysing your situation, we will then work on developing strategies aimed at achieving your objectives. These include:

  • Investment Advice
  • Superannuation
  • Retirement Planning
  • Wealth Creation Strategies
  • Life & Income Protection
  • Asset Protection
  • Estate Planning

We will then provide you with a written Financial Plan (known as a Statement of Advice) which details your objectives and goals and any assumptions, strategies or recommendations made. It will also provide additional information that is required by law.

Once you have gone through the plan with your Financial Adviser and are comfortable that it reflects your personal goals, then its time to implement the agreed strategies.