Our Financial and Investment Management Services

Financial Planning
Involves the preparation of personal financial plans that provide our clients with a strategy for today and tomorrow. We believe the wealth management process is about delivering upon lifestyle goals and this is only possible once a comprehensive understanding of our client's own objectives is obtained as well as an analysis of their:

o assets

o cash flow

o insurance

o tax position

o retirement needs

o estate planning needs

o debt management

o personal and business structures

Implementation of Financial Plan
Once prepared, we can implement the plan as well as monitor all it's investments. One of our key roles is to work with clients to see the agreed goals are achieved and help action the required steps.

Investment Recommendations
We advise on a wide range of investments and structures that include: shares; debentures; superannuation and unit Trust products.

We believe investments should meet client financial goals as well as provide:

• diversification
• adequate cash flow
• capital appreciation potential
• appropriate tax sheltering

Portfolio and Planning reviews
We conduct regular portfolio and planning reviews with our clients to see they are making progress in all the areas that are important to achieve. Acting as a financial coach we look at progress in areas such as saving, home loan reduction and super. As circumstances change and personal situations develop we also look at the best ways to address these as well as investment performance and any new requirements.

Superannuation
Where appropriate, we recommend using a self managed fund and offer services that execute the:

o establishment of self managed funds

o administration of self managed funds

o investment strategy and objectives

o arranging of super pension strategies

o reviewing RBL and current funds

Tax, Accounting and Auditing Services
All financial services must address taxation issues as well as require accounting services at some point. Christine Yip Taxation & Accounting Services is a registered tax agent and able to provide a wide range of taxation and accounting as well as auditing services.

It is separated, but a relative business.

Advice on business structures
For some of our clients establishing a financial strategy is often closely linked to business entities. We provide comprehensive advice on business structures such as companies and trusts.

Annual client briefings
Apart from one on one client reviews, we believe it is important to hold briefings that involve all our clients. This gives us an opportunity to present news and information to all in a social environment and provide our clients with an opportunity to interact with our staff, guest speakers as well as eachother.

Fees
Brady & Associates operates on a fee basis. We rebate initial investment brokerage to clients and do not charge placement fees. Full details are covered in our brochure that we send and also at our initial meeting with prospective clients.