Private clientsAs a private client of Granite Financial Services you will benefit from our extensive experience across chartered accounting, corporate advisory, capital markets, banking and wealth advisory.
Private Client Services
As a private client of Granite Financial Services you will benefit from our broad financial services experience. We will ask an array of questions to discover the essence of you, where you want to go and explore how we can help you get there. Today’s lifestyles can be busy, even frenetic, and we often see people making significant financial decisions based on short term impulses, sometimes in response to ill-informed media speculation and hype . Our approach is more strategic, encouraging clients to take some time out to think through their longer term aspirations before making significant decisions. We then advise them what steps they need to take over the short, medium and longer term to achieve them. And we continue to work with and advise client’s over time as their circumstances change or opportunities emerge, keeping focussed on the end goal and not being distracted by passing fads. Whether you’re an aspiring single, a young couple, a fully-fledged nuclear family, an empty nester or a mature single we’re here to listen to what is important to you.
Superannuation & retirement planning
It is only natural that retirement planning takes on greater importance as we get older. For those who haven’t had the opportunity to accumulate significant superannuation or other assets the sooner you address the issue, the sooner you can have the legislated incentives and your capital working for you. Younger clients often don’t think too much about their superannuation contributions. It may seem a relatively small amount of money early in your working life or retirement planning is simply not on the radar; why would it, you are still building your career and there is plenty of time for that later, right?
All of that is true. But given you are contributing every pay day why not make that capital work as hard for you as it can for your entire working career, not just when retirement starts to become an issue. Letting your capital sit in multiple default super funds with automated investment selections not tailored for you and incurring multiple administrations fees, will have a significant impact on your final retirement funds as these inefficiencies compound year after year.
Superannuation, estate planning & insurance
- Debt and bank account structure and management
- Budgeting and cash flow management
- Identifying appropriate structures (e.g. self-managed super funds, discretionary and unit trusts, companies etc)
- Capital efficiency
- Risk management
Granite Financial Services seeks to bring you the most suitable of each of these financial products, according to your own needs.
Can I grow my super faster? Can my super be more tax effective?
Should I set up an SMSF?
Should I have my life cover in my super?
What are the tax consequences of changes to my super?
How can I protect myself and my assets?
How can I protect my family?
What should the amount of cover be?
What is the best product with the best terms for me?
Can you review my existing cover?
Can you assist me with a claim?
I already have a will – why do I need this?
Why can’t my will determine what happens to my super?
How do I set up a power of attorney?
Why is it so hard to make quality investments?
There are so many options – how do I select the right one?
How do I set investment goals?
What is my risk / return appetite?
Granite Financial Services can assist with answering all of the above questions and ensure you receive the right advice and products to meet your needs both now and ongoing. Granite Financial Services also does not take any commissions on any investments it recommends.
Business Owners & Private Clients
To optimise your personal & business future through expertise that is relevant to your particular circumstances contact us or sign-up to our free bi-monthly newsletter.
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