IntellIgent complete Insurance solutIons

protectIng health care professIonals wIth the rIght Insurance

IntellIgent complete advIce solutIons Guild Financial Planning, a member of Partners Wealth Group, is one of Australia’s leading providers of financial and insurance advisory services to health care professionals.

We offer innovative insurance advice to health care professionals and business owners around Australia. Our expertise includes providing comprehensive insurance advice on life, income protection, total and permanent disability, critical illness (trauma) and business expense protection insurance.

We invest in our people whose risk expertise and specialist knowledge of the health care industry are second to none and provide a depth of experience, knowledge and resources that very few companies in Australia can offer.

We focus on your goals and aspirations at every stage of your financial life, looking beyond your balance sheet to understand how you define success. Then we work with you to achieve it – whether it’s finding the right insurance for you, your family and your business.

Managing the risks to financial security is part of every personal and business finance model, and it should be part of yours.

understandIng Insurance and rIskIf you’ve ever had a car crash, a time-critical flight cancelled, been robbed, been injured or become seriously ill, you’ll know how stressful it can be. Insurance can’t stop these things happening but it can reduce the risk and take some of the worry away. Personal Insurance can pay for the cost of medical treatment and provide an income while you’re off work, meet the costs of paying your bills and looking after people who depend on you. Insurance provides the money you need when things go wrong.

We all like to think that accidents and illnesses won’t happen to us. But in fact no matter how much you exercise, or how healthy you are, or how good a driver you are – accidents and illnesses can happen to anyone. And when they do, the last thing you want to do is worry about paying the bills.

Before you turn 70¹Here’s a sobering thought. Before the age of 701, 59 per cent of men and 42 per cent of women will suffer critical illness, be diagnosed with cancer, have a heart attack or stroke, undergo bypass surgery or die from something other than critical illness². In addition, 60 per cent of Australian families with dependants will run out of money within 12 months if the main income earner dies³.

Don’t be another statistic. Get the right insurance to ensure you have the right cover in place for you, your family and your business.

1 This is general population data based on being aged 30.2 Source: Munich Reinsurance Group in Australasia, 2009.3 TNS Research: Investigating the issue of underinsurance in Australia. August, 2005.

41%

21%

15%

12%4%7%

58%

20%

14%4%

3% 1%

Percentage not suffering a critical illness

Percentage diagnosed with cancer

Percentage suffering from other critical illnesses

Percentage suffering from a heart attack

Percentage that suffer a stroke

Percentage that die from something other than a critical illness

protectIng health care professIonals wIth the rIght Insurance

* If applicable, net of business expense before tax. Please note maximum amounts may apply.** Generally tax deductable (seek advice from your tax advisor for confirmation).^ Subject to meeting insurance provider’s requirements.

types of InsuranceThere are many different types of insurance – some are stand-alone policies and others can be add-ons to existing policies or superannuation. Our specialist risk advisors can tailor insurance to meet your needs.

Income protection Business expenses protection

Critical insurance Total and permanent disability

Life insurance

Why choose? Provides a replacement income stream if you are unable to work because of sickness or injury

Reimburses the regular fixed operating expenses of your business if you are unable to work because of sickness or injury

To help you cope financially with a traumatic medical condition such as cancer, heart attack, stroke or coronary bypass surgery

To help you cope financially with the impact of total and permanent disability

To help people who depend on you cope financially if you die or if you are diagnosed with a terminal illness and have 12 months or less to live

What does it provide?

Pays up to 75% of your income* for the period of time you are unable to work because of sickness or injury**

Pays 100% of your business’s fixed operating expenses**

Pays you a nominated lump sum up to $2 million^

Pays you a nominated lump sum up to $4 million^

Pays a nominated lump sum – unlimited^

How can you use the money?

•Mortgagerepayments

•Generallivingcosts,e.g. groceries

•Otherdebtrepayments such as personal loans, car loans or credit cards

Benefits include expenses such as:•accountingfees• advertising• auditfees• businessinsurance

premiums• cleaning• costsordinarily

incurred employing any non-revenue generating employees

•depreciationofequipment

•electricity,gasandheating costs

• interestpayments• leasingcosts• netcostsofalocum

professional•dues,rates,rentand

telephone charges

Recovery costs such as:• rehabilitation•makingchangesto

your lifestyle e.g. a re-fit of your home

•mortgagesettlement• enablingyourpartner

to reduce working hours to care for you

•provideareservetouse as income

Recovery costs such as:• rehabilitation•makingchangesto

your lifestyle e.g. a re-fit of your home

•mortgagesettlement• enablingyourpartner

to reduce working hours to care for you

•providereplacementincome for lost salary/earnings

•Mortgagesettlementor other costs

• Funeralcosts•Childcareorhome

help •Areservetouseas

income should the remaining spouse choose not to work

•Provideregularincome to surviving spouse

•Generallivingcosts,e.g. groceries

•Otherdebtrepayments such as personal loans, car loans or credit cards

protectIng health care professIonals wIth the rIght Insurance (cont.)

gettIng the rIght cover for your needsGetting the right insurance cover depends on your individual circumstances – what’s right for a young single person is not going to meet the needs of a growing family or a business owner. With so many companies providing different types of insurance, it’s difficult to compare policies and read the fine print. Do you have the time to do this?

Don’t settle for a financial adviser who will only be able to help you with a standard income protection or life insurance policy and will be unable to assist you during claim-time. Do they know if the policy covers needle-stick injuries? What if you lost your eyesight or hearing and how would that loss impact (not impacted) your job and family?

You need a risk adviser who really understands the risks and issues that you face every day. Thankfully, our specialist risk advisors are not only qualified and knowledgeable, they also have substantial experience in helping health care professionals like you to protect themselves financially.

Let our specialist risk advisors save you time and money. We can help you find the right cover to meet your needs now and into the future.

how we work wIth youAt Guild Financial Planning, we have a unique understanding of the health care industry which helps us tailor advice that will suit you.

Insurance is an important part of managing personal and business risk but there are lots of different policies and packages on the market, so how do you choose?

That’s where our specialist risk advisors can help.

We meet with you to discuss and gain an in-depth understanding of your needs and lifestyle objectives, your personal situation and what you hope to achieve in the future. We discuss your attitude towards risk, and your current financial position, commitments and obligations. This then builds the foundation for us to recommend the right solution to suit you.

Your dedicated specialist risk advisor will also meet with you regularly to keep you up to date, review your insurance policy to ensure it is still relevant to your needs and consider any new opportunities or threats that may arise.

All clients have a dedicated specialist risk advisor.

Our holistic approach to risk management includes comparing a range of policies from a leading panel of insurers in Australia. We help you get the right insurance by estimating how much cover you need, comparing a range of policies and reviewing annual premium costs before giving you a product comparison quote from leading Australian companies offering life, total and permanent disability (TPD), critical illness (trauma), income protection and business insurance.

value of our advIceThere are many people who believe they can do it all themselves when it comes to insurances and financial planning. And while they may be satisfied with the outcomes they achieve, often they do not realise what key information they are missing until something goes wrong.

But when you work in insurance every day, like our specialist risk advisors do, you become very good at identifying opportunities and helping clients make the most of them.

In our experience, our client’s definition of valuable advice includes:

• ‘Knowme,understandmeandhelpmesetachievablegoals’

• ‘SimplifymyfinancessoIfeelincontrol,andfeelthatIcanstayincontrol’

• ‘Helpmemakesmartfinancialdecisions’,and

• ‘Providemewithreliable,valuableandtimelycommunicationsandreporting.’

Based on our extensive experience working with health care professionals, we believe the value of our advice is found in our ability to partner with you, provide you with a holistic approach and tailor solutions that meet your individual needs and goals. If you are looking for an advisory group who genuinely cares about the value of the advice they provide to health care professionals today and into the future, then we look forward to working with you.

“As a young unmarried couple we were both advised by Guild Financial Planning to take out a trauma insurance policy, which we did and then forgot about. Years later, my now husband was diagnosed with cancer. With 3 children, a mortgage and ‘life’ needing to continue on as normally as possible, we were able to use the money from that Insurance cover.Guild Financial Planning helped us with our claim and took that worry out of our hands. Thank you for what you did in that time of crisis...we will be forever grateful...it’s nice that good old fashioned service still exists.”

Cath&Kris,Victoria

fInd out what Insurance may Be suItaBle for you

Insurance for young workIng professIonals“If I got sick and was out of work, could I still afford my lifestyle?”

Get living insurances to protect your independence Being young and single comes with its own priorities and financial responsibilities. For many, this time of life is about laying down the foundations for your financial future. No-one plans to get sick, injured or to die unexpectedly, but it does happen. Young people tend to discount the chances of it happening to them, and think that because they have no dependants, they don’t need to worry about anyone.

Actually there is someone you need to think about – you!

You’ve worked hard to earn the lifestyle you lead. If something happened to you – say an accident or a sudden illness – your ability to earn an income would stop, either temporarily or permanently.

Things to considerYou should consider protecting your lifestyle and independence by taking out income protection and total and permanent disability (TPD) and/or critical illness insurance. If you already have a policy but are not sure if it’s right for you, we can research the market, find the right product for your needs and give you a comparison quote. Don’t forget your insurance needs will change as your circumstances change and you should reassess your insurance if you decide to buy a house, get married, start a family or start a business.

Case Study: Megan realises that accidents do happen to people like herMegan worked for a corporate firm, earned an income of $50,000 and had a $3000 credit card debt and a $15,000 car loan. She had $100,000 life insurance cover as part of her superannuation policy which had an accumulated value of $20,000.

One day Megan’s best friend had an accident on the ski slopes. She was flown to hospital and was unable to work for almost a year. After seeing her friend’s financial vulnerability, Megan wondered if she should take out insurance in case something similar happened to her.

With the help of our specialist risk advisor, she selected $200,000 life, total and permanent disability and critical illness cover in addition to the life insurance provided through her superannuation. The combination of superannuation and stand-alone insurance would provide Megan with a lump sum if she became totally and permanently disabled or suffered a specified trauma. The money would help pay for medical treatment and alterations to her apartment.

Having organised cover to provide her with a lump sum to help her deal with immediate issues, Megan was still concerned about what would happen if she suffered an illness or injury that prevented her from working. How would she pay her bills and afford to live?

Megan’s employer provided up to four weeks of paid sick leave but Megan had no other income to rely on. She chose income protection cover with a monthly benefit of $3,125 (75 per cent of her income – the maximum cover available), a four-week waiting period and benefits paid to age 65. Megan also chose to include an increasing claim option to ensure her monthly benefit would keep up with inflation.

Because Megan wanted to avoid sudden increases in premium payments as she aged, she chose to pay level premiums. With level premiums she knew she would be paying a little more than stepped premiums in the first few years of the policy, but she would save in the long run. The premiums on a level premium contract are likely to remain the same, unlike stepped premiums which usually increase as the insured gets older.

Megan’s investment in her future means that while she can’t always protect herself against sickness or injury, she is no longer financially vulnerable.

fInd out what Insurance may Be suItaBle for you (cont.)

Insurance for young famIlIes wIth chIldren“If I died or was involved in a serious accident and unable to work, could I still pay for my children’s education and my family’s lifestyle?”

Get living insurances to protect your family and childrenWhen you have children, your personal insurance needs reach a climax. If yours is like most working families, you’ve used debt to fund a range of purchases including your family home. What if you (or your partner) die, become totally and permanently disabled or suffer a critical illness such as cancer, heart attack or a stroke? The home loan repayments will still need to be made, bills still need to be paid, even though the salary your family has relied upon is temporarily or permanently unavailable.

Things to considerIf you have young children or dependants, a home loan and other personal debts, you have financial responsibilities and should consider income protection, total and permanent disability (TPD), critical illness and life insurance. If you already have a policy but are not sure if it’s right for you, we can research the market, find the best policies for your situation and give you a product comparison quote. If you think you’re over or under insured, we can help you work out what you need.

Don’t forget that your insurance needs change as your circumstances change and you should reassess your insurance needs at different stages of your life.

Case study: Jenny ’s cancer shock Working as a primary school teacher in a country town meant that Jenny led a hectic life. At age 42, with a husband, two small children and a class of Grade 4 children during the week, there was rarely a dull moment.

But a visit to her local doctor changed everything. A Pap smear returned an abnormal reading and Jenny was referred to a specialist in a nearby city for a biopsy. The result confirmed the presenceofabnormalcellsonhercervixwitha‘CIN3grading’.

Luckily, this is an early stage of cancerous growth. The specialist explained that Jenny required a small operation to remove the abnormal area and then she would need regular tests to monitor her condition. The good news was that she would likely make a complete recovery.

A year before, our specialist risk advisor had recommended Jenny purchase $200,000 critical illness insurance to cover her for a range of pre and early cancerous conditions. When she was diagnosed with the very early stages of cervical cancer,

Jenny received a lump-sum payment of $40,000. The insurance payment meant Jenny didn’t have to worry about taking time off work, or the cost of travelling to receive treatment.

Insurance for mature famIlIes“If I was diagnosed with cancer, would I need to use my savings to pay for medical treatment?”

Get living insurances to protect your lifestyleAs you move through life, your personal insurance needs change. Mature families usually feel their financial pressureseaseastheirchildrenembarkontheirown‘youngandsingle’lifestage.You’veworkedhardtobuild that nest egg and you’re enjoying it. But what if something were to happen to you?

Despite the statistics, it’s still easy to dismiss illness, injury or unexpected death with “it won’t happen to me”. But think about it. If you suffered a serious illness or permanent disability, would you have to use your investments or savings or even sell the family home to pay for medical treatment? This is an important time to review your insurance needs.

Things to considerYou should consider taking out or reviewing your total and permanent disability (TPD), critical illness, life and income protection cover if you still have a financially dependent family, mortgage or personal debts.

You may already have a policy but not sure if you’re under-insured or over-insured? We can do the work for you by reviewing your policy and finding the right insurance deal to meet your needs.

Case study: Tony ’s heart attack scare Admittedly, Tony was not at the peak of his physical fitness. Aged 58, he worked 9-10 hours a day in a job that saw him spend most of his time at his desk or in meetings. With a busy work life, he struggled to find time to eat well or get enough physical exercise.

On his way to work one morning, Tony felt a shooting pain in his chest and some numbness in his left arm. The pain subsided after a while but it left him breathless and very concerned. Luckily, Tony decided to visit his GP who immediately referred him to the emergency department at the local hospital to have some tests. The specialist explained that Tony was experiencing chest pain because the blood vessels in his heart were blocked by plaque build-up and that he needed a triple vessel angioplasty to help the blood flow better. This meant extended time off work and lifestyle changes.

Fortunately, while meeting with our specialist risk advisor a year earlier, Tony had decided to take out a critical illness insurance option. Because of this, Tony received a lump sum of $150,000 and he was able to keep paying the bills while he took the time to rest and get well again.

The good news is that the chest pain was the impetus for Tony to change his lifestyle. While he still works hard, he now monitors his diet more carefully, walks most lunch times and has even started to get off the train a stop earlier. He’s even talking about pulling his tennis racquet out of storage and re-joining the local club!

Insurance for the small BusIness ownerCould your business survive without you?

Get living insurances to protect you, your business and familyAs a responsible business owner you probably don’t think twice about taking out insurance to protect business assets such as your premises, equipment and vehicles. When you run your own business, a lot rests on your shoulders. Business debts, running costs, employee wages – they all depend on your ability to keep working.

Then there’s your household expenses and, most importantly, your family. With your family’s financial security so closely linked to your business, what would happen if something happened to you?

Things to considerThink about what would happen if you, your business partner, or one of your key employees couldn’t work because ofsicknessorinjury.Couldthebusinesskeeprunning?Howmuchrevenuewouldyourbusinesslose?Couldyouafford a replacement?

Thenconsiderthelong-termviabilityofyourbusiness.Couldyourepaythebusinessdebts?Couldyouoryour business partner,afford to buy each other out? If you needed to sell the business, would you be able to find a buyer?

Andwhataboutyourfamily?Howwouldtheyreplaceyourlostincome?Couldtheyaffordthemortgagerepayments? How long would the family savings last?

Debt repayment strategies can help make sure your existing debts are repaid and there can be tax advantages too.

• Ifakeyemployeediesorbecomestotallyandpermanentlydisabled,aninsurancepolicycanhelpcoverthefinancial impact on your business.

• Tohelpyoucopewithasignificantreductioninturnover,yourfixedbusinessexpenses–likerent,non-incomeproducing staff wages and electricity – can be covered.

• Bytakingoutlifeinsuranceonyourselfandabusinesspartner,youcanensureabuy/sellagreementistriggered if something happens to either of you.

• Youcanprotectyourfamily’slifestylebycoveringagainstthelossofyourincomeoneitheratemporaryorpermanent basis.

• Youcancoveryourself,yourspouse,andyourchildrenagainstincreasedmedicalexpenses.

• Personaldebtprotectioncanmakesureyourfamilyisnotleftwithunaffordabledebtifyoucan’tworkagain.

• Youcanoftenclaimincomeprotectionandbusinessexpensespremiumsasataxdeduction.

• YoumaybeabletotakeoutlumpsumLifeandTotalandPermanentDisablement(TPD)coverinsidesuperannuation, effectively reducing the cost of insurance by your marginal tax rate.

fInd out what Insurance may Be suItaBle for you (cont.)

why choose us?• At Guild Financial Planning, we have

a unique understanding of the health care industry, which helps us understand and tailor our advice to suit you

• The ease and convenience of working with a single organisation to achieve your client’s financial and lifestyle goals.

• The right expertise and depth of experience, knowledge and resources that very few companies in Australia can offer.

• Specialist advice and consultancy services from a team of experts who tailor financial solutions to suit every stage of your life.

• A holistic approach with access to broader products and services to explore, maximise and better manage your financial wellbeing.

• A proven track record in providing complete, intelligent insurance solutions to health care professionals and business owners.

• Our staff whose financial expertise is second to none and whose experience and knowledge delivers on our promise – complete, intelligent insurance solutions every time.

• We provide regular reports on your financial plan including an interim review every six months and a full annual review. This allows you to maintain a complete understanding of your progress to your goals and allows us to make adjustments to meet your changing needs.

To make sure you have the right cover in the most tax and cost-effective structure, our specialist risk team can review your personal and business situation, and come up with a plan that’s suitable for you. If you have existing cover, we can review your risk protection and its structure to make sure it’s right for you. If you need to make changes, we can research the market and present you with the right options to meet your needs.

fInd out what Insurance may Be suItaBle for you (cont.) take the fIrst step towards achIevIng your goals

Book your free consultatIon nowIf you already have insurance, a second opinion can be powerful. Do you have the right insurance for your current situation? Are you under insured or over insured? We can review your existing insurance to make sure it still meets your needs and research the market to find the right policy for you, your family and your business.

Insurance is just one of the specialist services and areas of financial and business advice offered by Partners Wealth Group. Our expertise provides you with the flexibility of standalone financial, legal and lending services or a full bespoke package to meet all your financial management needs.

With Partners Wealth Group you only need to tell your story once.

refer a frIend todayIf you’re an existing client and believe the value of our advice on insurance services could help protect your family and friends, we would welcome the opportunity to talk to them. All referrals will be treated with the utmost confidentiality and respect. Take the first step and book your free consultation or refer a friend today.

need more than Insurance? we can help tooAs you consider your options for personal and business insurance you might start thinking about your financial future as a whole. No-one is better placed than Partners Wealth Group to help tailor a financial solution that’s right for you.

Case study: Business succession planning – a cautionary tale

After graduating from university, Helen and Sarah took a risk and established a graphic design company together, each holding a 50 per cent share. Ten years later they were making a good living and had developed strong relationships with their clients and employees.

Helen’s only concern was Sarah’s new husband, James, who had started to interfere in the business with grandiose and inappropriate schemes. Sarah knew how Helen felt and kept James at arm’s length.

As their business thrived, Helen and Sarah consulted our financial advisor about minimising their tax and investing surplus cash. Our specialist risk advisor recommended they both draw up wills and also consider setting up a separate will for their business – in other words, a business succession agreement.

Our advisor also suggested they both take out life, total and permanent disability (TPD), and critical illness insurance as part of their business succession agreement so that if one of them were forced to leave the business because of an insurable condition, funds would be available to buy out that person’s share.

Both Helen and Sarah established wills shortly after the meeting with our advisor. But as they were still young and very happy working together, they decided there was no need to establish a buy/sell agreement at this stage or take out insurance.

One day Sarah collapsed in the office. An ambulance was called, but the paramedics couldn’t revive her and she died in front of Helen and their staff from a brain aneurism.

Helen was deeply affected by Sarah’s death and initially closed the business, but after a while was able to go back to work. She was reasonably upbeat until she met her new business partner – Sarah’s husband James. As the sole beneficiary of Sarah’s will, James inherited all her assets, including the 50 per cent share of the graphic design company.

James made Helen’s life very difficult. He insisted on being involved with all business decisions, even though he had limited business acumen and no understanding of graphic design. And it didn’t just affect Helen – one of her staff became increasingly uncomfortable around James and started talking about resigning.

While out for lunch one day Helen bumped into her financial advisor. She remembered how dismissive she and Sarah had been of anything bad ever happening to them or their business. But it did. Helen remembered her advisor’s recommendation about setting up a business succession agreement, and wished they had taken the advice.

Whatever your income or circumstances, Partners works with you to make sure your investments and retirement planning strategies benefit you and are tailored to meet your life’s changing needs or goals.

Not all Financial Planners are the same. We have a unique structured approach to financial planning and investment advice focused on driving the right financial outcomes for you.

Our comprehensive wealth planning services include:

• Investmentadviceincludingdirect shares, fixed interest, listed and unlisted property, cash and money market investments

• Manageddiscretionaryaccounts

• Pre-retirementandretirementplanning

• AdvancedSelfManagedSuperannuation advice and implementation

• Debtreductionandrecyclingstrategies

• Businesssuccessionplanning

• Purchasingpropertythroughyour SMSF using borrowed funds

• Taxeffectiveinvestmentadvice

• Centrelinkandagedpensionadvice

• Portfolioadministrationservices

• Incidentaladvice.

Partners Retirement Planning Investment Advisors are Authorised Representatives ofCharterFinancialPlanningLimited,Australian Financial Services Licensee Licence Number 234665.

As a comprehensive provider of SMSF services, Partners of fers in-depth experience and specialist accounting expertise to meet your tax and regulatory requirements.

Our services include:

• Accounting,administration,andannual compliance for SMSFs

• Taxlodgementandadvice for SMSFs

• Financialstatementspreparedin accordance with Australian Accounting Standards

• Scheduleofinvestments

• Trusteeminutesanddeclaration

• Membersstatements

• Independentaudits.

We also offer a comprehensive Fund Administration Service to trustees of SMSFs who want more than a compliance service by:

• Beingthepostaladdress for the fund

• Maintainingandmanaging all funds and cash flow

• Ensuringexpensesandtax are paid

• PreparingquarterlyBAS/IASwhere appropriate

• Attendingtobenefitdocumentation.

Legislation and regulations covering superannuation are constantly changing. The ATO’s ability to impose penalties has been dramatically increased.

Now, more than ever, it is important for SMSFs to ensure they comply with the law. Partners Superannuation Services offers expert advice, support and services to accountants and financial planners to assist clients from set up through to wind down and all SMSF related concerns.

Partners Superannuation Services include:• Technicaladviceandstrategies• Newfundestablishmentsand

deed updates• Companyincorporations• Workingwithclientswantingto

gear to acquire property• SMSFcomplianceandstrategic

consulting service• SMSFsupportannualtelephone

subscription service• SMSFaudits• Actuarialcertificates–including

online service• Provisionofpensionestablishment

and commutation documentation.

We stay well ahead of the game when it comes to complex and changing tax and superannuation laws and work with our financial planning and investment divisions to deliver a holistic wealth strategy to assist clients whether they are accumulating funds for retirement, have commenced a transition to a retirement income stream or are retired.

Partners Legal provides networked and relevant solutions to our commercial and private clients and small to medium size accounting firms. It is a new breed of law firm which of fers an integrated, one-stop shop approach to all our client’s issues and needs including:

• Estateplanningandmanagement

• Businesssuccessionplanning

• Corporateandcommercial law matters, including Personal Property Securities

• Workplacerelationsandemployment

• Superannuation

• PropertytransactionsincludingLimited Recourse Borrowing Arrangements (LRBA)

• Litigationanddisputeresolutions.

In particular, we are a leader in streamlined and integrated LRBA Solutions and have the know-how and expertise to provide innovative results and cost effective outcomes, which meets the needs of the investor.

We also provide a highly successful Sustainable Business Solution and model, which not only guarantees an orderly succession process but also maintains intergenerational wealth and equity for stakeholders.

get the complete partners wealth group solutIon

Partners Mortgage and Lending Services Pty Ltd (PML) of fers a full-scale finance brokering business to help you secure the best finance option and make an informed choice about your personal or business lending.

We take the time to understand your goals, and most importantly we act for you not the banks or finance companies. Our services include:

• Residentialandinvestmentmortgages including refinancing and debt consolidation

• Motorvehicle,plantandequipment finance

• Financeforsuperfundborrowingto buy property

• Businessandpersonallendingrequirements

• Commercialpropertyandbusiness loans

• Constructionandpropertydevelopment loans.

Partners also offer an extensive range of lending products from Australia’s leading banks and non-bank financial institutions. We can provide you with a short list of the most competitive loans suited to your financial situation.

Partners Property (PP) works to help them make informed property decisions that can maximise returns and minimise risk. We can of fer innovative strategies to free up cash flow for future property acquisition.

Partners Property assists clients with:

• Propertysyndicationopportunities

• Residentialandcommercialbuyers advocacy

• Accesstorestricted property offers

• Developmentrisk

• Depreciationschedules.

We also provide strategic property advice on:

• Existingpropertyinvestments

• Howtomaximisereturnsandimprove cash flow

• Acquisitionsandsaleofproperty

• Suitabilityfordevelopment

• Structuringwhenpurchasingproperty

• Investmentsviafinancingofproperty backed investments

• Strategiesforproperty portfolio growth.

At Partners, we work with clients to restructure their salary and increase their net take home pay. We help clients take advantage of approved employer salary packaging benefits such as superannuation, health insurance, car leases, laptops, mobile phones and mortgage loans.

We look at individual employment agreements and advise clients on which options will best meet their requirements based on their life stage. We examine the opportunities relating to:

• Motorvehiclefinancing–including novated leasing

• Salarypackagingintosuperannuation in order to lower employee tax liability

• Theoverallimpactofsalarypackaging with superannuation, investment and insurance wealth strategy.

We also work with employers seeking to use salary packaging as a way to:

• Competewithotherbusinesseslooking to attract and retain skilled staff

• Supportpayrolltaxandworkcover reductions

• Enhancetheirbusinessculturethrough increased staff productivity.

Partners 360 Bespoke Services has been developed as our premium product to meet our client’s demand for a highly personalised and client specific package that encompasses all their personal advice, financial management and administration needs.

Our expertise and family office style offering means that in addition to the stand alone services we provide, we also work closely with our clients to alleviate the administrative burden of managing their family assets and affairs including:• Debtmanagement• Investmentandfinancialplanning• Employmentagreements• Salarypackaging• Legalaffairs• Estateplanningandmanagement.

We also provide a bespoke wealth package with investment, legal and tax advice, to preserve and grow our client’s family wealth through:• Familygovernance• Financialandinvestmenteducation• Philanthropycoordination,and• Successionplanning.

The benefit to our clients is they are able to work with a single organisation that is intimately familiar with their personal aspirations rather than working with multiple individuals who are not au fait with the bigger picture.

natIonal reach and networks

Gui ld F inancia l P lanning is a member of the Partners Wealth Group, one of Austra l ia’s leading business and f inancia l advisory companies.

WithofficesinVictoria,NewSouthWales,WesternAustraliaandQueensland,weofferinnovativebusinessand financial advisory services to health care professionals across Australia.

contact usThe f irst step to achieving your goal is a phone cal l away. Contact our team of special ist r isk advisors now.

GuILd FInAnCIAL PLAnnInG

* Head Off ice: Level 13, 636 St Ki lda Road, Melbourne VIC 3004 (PO Box 6852, Melbourne VIC 3004) nSW Office: Level 4, 8 Spr ing Street , Sydney NSW 2000 QLd Off ice: Level 3, 164 Grey Street , South Br isbane QLD 4101 WA Office: Suite 4, Level 1, 610 Murray Street , Perth WA 6005

) 1800 333 143

/ off ice@gui ldfp.com.au

x www.gui ldfp.com.au

Partners Wealth Group PartnersRetirementPlanning&InvestmentAdvisorsPartners Salary Packaging Partners Property PartnersMortgage&Lending Partners Legal Partners Superannuation Services Partners Superannuation Tax Services Partners 360 Guild Financial Planning

disclaimer:GuildFinancialPlanningAdvisorsareAuthorisedRepresentativesofCharterFinancialPlanningLimited,AustralianFinancialServicesLicenseeLicenceNumber234665.Thisdocumentcontainsgeneraladviceonly.Youneedtoconsiderwithyourfinancialplanner,yourinvestmentobjectives,financialsituationandyourparticularneedspriortomakinganinvestmentdecision.CharterFinancialPlanningLimited and its authorised representatives do not accept any liability for any errors or omissions of information supplied in this document except for liability under statute which cannot be excluded.