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Wealth Creation

 


 



Direct Share Portfolios

We recognise that direct share portfolio ownership an important part of many Australian's financial portfolios. Direct shares can offer a low cost way to achieve solid long term returns, but require careful planning and research to mitigate the risks.

Whether you are new to share ownership or have a long history of share market experience, we offer a wide range of services, tailored to your individual needs.

Our services range from processing simple buy or sell orders to complex fully customised share portfolios, developed in conjunction with some of the highest regarded stockbrokers and research houses in Australia. You also have the added protection of Count's own research overlay, which has a proven track record of protecting investors through even the most difficult markets.

The benefits of our stockbroking service are:

  • Share advice and portfolio construction that incorporates your entire financial situation
  • Access to sophisticated portfolio construction tools aimed at reducing risk
  • Advice based on the latest research from a range of research providers
  • Competitive brokerage rates from a choice of some of Australia's leading brokers; and
  • Access to consolidated share and managed fund portfolio reports via my net wealth

If you would like more information on how our services can benefit you, please contact one of our highly qualified financial advisors located in Norwest and North Sydney.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.



Investment Portfolios

We can discuss different investment strategies to help you decide the most suitable investment platform to help you reach your investment goals.

Our investment advice is backed by our team of financial advisors who are experienced and qualified experts with providing technical support and research. Count's extensive research on a broad range of investments means that we are able to select a range of products from Australia's leading fund managers. Only fund managers who receive the highest ratings according to MorningStar- an Australian provider of managed funds research - are recommended to our clients.

We offer our clients a diversified and personalised portfolio construction across all asset classes, dependant upon your risk profile. Contact us today.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.



Managed Funds

Managed funds work by pooling investors' money together and buying a large number of different assets (which may include shares, property, bonds and fixed interest).

Professional fund managers decide what percentage of the fund should be invested in each asset class, and also which countries, industries and stocks have the best prospects for good returns.

Each investor then receives "units" in the fund, with each unit representing a mix of all the underlying assets.

There is a wide range of different types of managed funds available – some offer access to one or two asset classes, and others offer a mix of everything. Some managed funds also allow you to mix the actual fund managers that select and maintain the underlying investments.

The specific investment style and process of each fund is outlined in its Product Disclosure Statement (PDS).
Managed funds are an ideal option for people who are:

  • New to investing
  • Happy to outsource the selection of investments to professional manager/s 
  • Have a small initial amount to invest (with the option to make regular additional contributions)  
  • Seeking investment diversification to minimise risk

To speak to one of our financial services team member regarding managed funds, please contact our office.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.



Margin Lending

Gearing means borrowing money to invest. There are several avenues available for borrowing to invest including:

  • Margin Loans - Loans against existing shares, managed funds or cash
  • Home Equity Loans - Loans against your existing property; and 
  • Protected Loans - Borrow the full amount to purchase investments, while protecting them in falling markets

Should you wish to discuss the margin lending options available as well as the tax and investment benefits of gearing, please contact us today.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.



Retirement Savings Plans

We can help ensure you save enough for retirement. We can help you with:

  • Achieving adequate income at retirement
  • Superannuation strategies and advice
  • Tax effective retirement income streams; and
  • Estate planning

Are you already retired? We can review your retirement plan to ensure it is working effectively for you and may be able to recommend a more tax effective strategy that maximises your income at retirement.

It worth noting that the Superannuation Guarantee Contribution (SGC) may not provide enough income for a comfortable retirement. With our investment and financial planning strategies we can help you build a larger pool of wealth so you'll enjoy a financially secure retirement. 

Contact us today at our financial services consulting firms located in Baulkham Hills and North Sydney.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.



Savings Plans

Whatever stage of life you are at, we can help you start a savings plan!  Now is an ideal time to start saving for your first car, your first home, a holiday or even your retirement. We can discuss different investment strategies and help you decide the most suitable investment platform and managed funds to help you reach your goals sooner. We will also review your investment strategy to ensure that remain on track to achieve your savings goals.

By discussing your goals with your adviser, we can help you build the foundations of a financial plan that will ensure that you enjoy life and are financially prepared to cope with any unforseen circumstances.

We believe every Australian needs 3 pools of wealth® to be able to enjoy financial security and the freedom to afford choices in life. To find out more contact us today.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.

 



Risk Insurance

There are many different types of insurance available to help protect your assets and support yourself or your family should you suffer an event.

Life Insurance

Protecting loved ones is a natural instinct, but how can you protect them if you're not around? Life Cover helps your family maintain their financial position in the event of your death by providing your beneficiaries with an agreed lump sum.

Total & Permanent Disability (TPD)

Total and Permanent Disability insurance offers financial security for the unexpected by providing you with a lump sum benefit if you suffer Total and Permanent Disability and are unable to earn an income again.

Trauma Insurance

"Around half of all Australians aged over 30 will suffer at least one of the seven health conditions that can lead to long-term disability and, consequently, a long-term loss of income." Source: NATSEM, Health and Income in Australia, 2003. 

How would your family or loved ones cope if you suffered a stroke or were diagnosed with cancer? Not only might you lose your income through not being able to work, but you might also have to tap into your savings, sell your home or face major costs for medical treatment and rehabilitation. Trauma insurance can help remove many of your financial worries and concentrate on getting better if you became critically ill.

Income Protection

Who will look after your finances if you can't work due to sickness or injury? Health insurance may cover a proportion of your medical bill, but it won't cover your rent or mortgage and living costs. With Income Protection insurance you can receive up to 75% of your regular income if you can't work due to disability.This means you can concentrate on recovering and getting back to work, rather than watching your investments and savings slowly diminish. In addition your premiums may be tax deductible, depending on your individual circumstances.

Business Expense Cover

Business Expense Insurance reimburses certain business expenses when you are unable to work due to total disability. Running a successful business takes time, money and lots of hard work. So insuring your business should be at the top of your mind when you're thinking about what might happen if you were totally disabled and couldn't work. If you're self-employed or in a small partnership, it's even more important to keep the business going, and therefore you need to not only insure your income but the fixed, regular expenses of the business, as well.

Should you wish to discuss your insurance requirements, please contact one of our qualified financial advisors today.

*Alpha Consulting Group (FP) Pty Ltd offers financial advice as an Authorised Representative of Count Financial Limited ABN 19 001 974 625, Australian Financial Services Licence Number 227232 ("Count") using Count's Approved Product List. Count is a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Please note that any taxation and accounting services are not endorsed nor the responsibility of Count Financial Limited.



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