“We have absolute trust and that comes before everything. We value your professionalism and your experience.
We know that we are getting advice that’s truly objective – and there’s times
when you will tell us that the best thing is to ‘do nothing’ – we value that.” Read More
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“I feel relieved. I know I’ve got the right cover and that I’m in a position where I am unlikely to have do go through this process again. With Multiforte’s advice and management of the process, everything was very logical and straightforward. And I know I received good value for money.“ Read More
Don’t ignore risk – many investors focus on their investment returns, but don’t quantify the risks and potential losses to which they are exposed
Matthew and Anna are thrilled. They no longer pay commission on their premiums. Multiforte streamlined and increased their cover and achieved a saving of more than $3,500 this year alone. The savings will only increase over the life of their policies. Read More
You could save thousands on personal insurance – by obtaining insurance through super or using level or
split premiums
After receiving a moderate inheritance, Peter and Julia wanted to start planning for retirement. But Peter was feeling unsettled. He discovered that as he approached age 55, managing his financial life was even more important than managing his working life.
“I want to ensure there is money for us to do the things we want in life, and I want to make sure I leave something for my kids.”
Peter simply didn’t know if they had enough, or if they were invested appropriately. “There were things that I hadn’t considered before because we didn’t have the time or the money. I really felt the need to plan – and plan well”.
When Peter and Julia started looking for a financial adviser, however, they hit an unexpected challenge. “It’s really hard to find good financial advisers”, said Peter. “I asked experienced, senior business people, people who I trusted and respected. I got a few names, but was surprised that some wouldn’t recommend their own advisers!”
“Most advisers we were recommended took commissions or charged fees on a percentage of our assets. That would have meant that any new money I added was hit with a fee, regardless of how my portfolio was going. That said to me ‘all care and no responsibility’.”
Like most people, Peter and Julia emphasised the most important thing was trust. “If we didn’t trust you it wouldn’t matter what your fees were”.
Tax efficient planning ensures there’s money to last
For people like Peter and Julia anticipating retirement, we start by making sure they have enough money for the lifestyle they wanted to achieve.
It is then vital to balance their investment strategy from a focus primarily on asset accumulation one that looks at better asset protection.
As Peter and Julia had several different tax structures, including a company and a self managed super fund, we took the time to work out the most tax effective environments in which to own assets.
At 54, Peter will be able to access his super through a Transition to Retirement strategy from next birthday. We set him up to ensure he maximises his tax-effectiveness when the strategy starts.
Living a lifestyle they love
Peter and Julia now have an investment and superannuation portfolio that will enable them to do the things they love in life.
“Thanks to Multiforte, our portfolio is better diversified and more balanced. And we feel we can stay on top of everything thanks to quarterly health check reports and ongoing access to a principal.
“We have absolute trust and that comes before everything. We value your professionalism and your experience. We know that we are getting advice that’s truly objective – and there’s times when you will tell us that the best thing is to ‘do nothing’ – we value that.”
* This is a real case study, with a real situation and real numbers. Only the names of the clients have been changed to protect their privacy.