SERVICES
Financial Advice
Wealth Creation Strategies
Industry leading wealth creation strategies which will be specifically tailored towards you achieving your long term financial goals. We will help you build a plan which will allow you to have the retirement you deserve.
Debt Strategies
Comprehensive strategies to help you create wealth with the use of other people’s money. Finance solutions for property purchase or gearing into share portfolios. We will show you the most tax effective, and low risk ways of growing an investment portfolio with borrowed money. We can also show you ways to pay off you home loan quicker than you may currently be doing.
Financial and Budget Management
Comprehensive evaluations of financial income and expenditure, allowing detailed action planning to manage cash flow and effectively allocate expenditure to wealth creation, protection or management. This area is integral to the effectiveness of a good financial plan!
Estate Planning
Comprehensive review and project management of your Estate planning. Access to professional legal team who construct tailored estate planning strategies for our clients at a reasonable price.
Retirement Planning
Retirement strategies which use current superannuation laws to maximise your retirement benefits. Planning to help you achieve your goal of a comfortable retirement. Maximising your entitlements to Aged Pension benefits. Portfolio and management of retirement portfolios to create the best level of retirement income for clients.
Superannuation
Personal Superannuation
Comprehensive superannuation planning for all employed and self employed individuals. We will review your current superannuation fund and compare to what is available in the market. We can advise on retail, industry, or employer sponsored funds and will advise you on the best option for your current stage of life and superannuation needs. All associated planning and tax strategies are considered to ensure the best outcome for all clients.
Self-Managed Super Fund (SMSF)
CMW Financial Services will help with the establishment of your Self Managed Superannuation Fund including the investment, taxation and insurance strategy that must be considered by owners of Self Managed Funds. CMW will also provide on-going financial planning, maintenance of investment portfolios and internal insurances will be discussed and adjusted by your personal advisor. Specialist strategies including borrowing to purchase a property can also be explored.
Insurance
Income Protection
Income Protection Insurance is comprehensive cover that assists you to meet your financial commitments by providing regular payments if you are unable to work due to sickness or injury. Every client who works full time should have Income Protection.
Trauma Cover
Trauma Insurance provides you with a lump sum payment if you survive the occurrence of a serious medical condition (such as cancer, stroke or heart attack).
Total and Permanent Disability (TPD) Cover
Total and Permanent Disability Insurance provides you with a lump sum payment if sickness or injury leaves you totally and permanently disabled. This lump sum is designed to extinguish debt and pay for the necessary expenses associated with a major accident or illness. It will also provide you with an income to live off for the rest of your life. This cover can be established inside or outside of your superannuation fund.
Life Cover
Life Insurance provides a lump sum payment in the event of your death (or terminal illness in some instances). Comprehensive life cover will provide your loved ones with the ability to cover all costs associated with your death, extinguish debt and ensure a legacy remains to aid those you leave behind. Life cover can be established in various ways and should form a crucial part of your financial plan.
Business Insurance
Business Insurance is will ensure that your greatest asset will continue unchanged should you die or become ill, and your estate will be able to realise the equity within the business that you have worked so hard to establish. CMW will advise on how you can use insurance to make sure the business is not affected if one of the key principals is to leave the business for any reason.
Investments
Share Market Advice
Expert advice on Australian and International share purchases as part of a financial planning or wealth creation strategy. We take a long-term approach on these markets and can show you how to create wealth through share market investing.
Property Purchases
CMW can help with advice on first home or investment property purchases. We can help you with the financial side of buying a property or help you find the right property for you. You may even want to start a portfolio by purchasing a property under your superannuation fund.
Margin Loans
Establishment of margin lending facilities for private clients. Complete analysis of the appropriateness of margin lending within your portfolio.
Tax Effective Investments
Structured products providing tax benefits for the investor, and their use within your portfolio.
Portfolio Recommendations
CMW Financial Services will build a comprehensive portfolio encompassing all of the above. We will conduct a complete analysis of your current financial situation to ensure that all facets of investment and tax planning are explored. We will then offer a complete service based on recommendations, implementation and ongoing management of your portfolio which is designed to achieve your financial goals.
Lending
CMW Financial Services can find you a lending solution tailored to your needs.
Comprehensive financial planning incorporates sound lending strategies and the use of debt. Our services include, but are not limited to the following:
• Residential Mortgages
• Commercial Mortgages
• Leasing
• Commercial / Business Finance
• Margin Lending
Office: Level 1 / 4 Riverside Quay
Southbank VIC 3006
Email: glenn@cmwfs.com.au
Site: www.cmwfs.com.au