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We help our clients to 'make smart decisions'.
Our expertise provides a diverse range of smart financial, accounting and structural advice to get your money working harder and to give you peace of mind.
When Optima Wealth Management works with you, you will know the meaning of confidence. Our depth of experience and knowledge will help you keep your financial affairs in perspective.
We are genuinely objective and only recommend strategies appropriate to your situation. Most of all, we pride ourselves on taking the time to really listen and focus on your dreams, aspirations and goals.
Investments
Financial planning is about much more than just placing investments.
Nevertheless, our experience going back to 1981 gives us a wide practical experience in helping you find the right investments to 'make smart decisions' with your money.
As successful and experienced investors ourselves, Optima Wealth Management will help you place your money to help you achieve your stated objectives, within your risk profile, over the allocated time frames.
We use an advanced Strategic Asset Allocation model which holds your underlying investments in the most efficient and flexible manner possible. Management Expense Ratios are cut by holding assets directly or in appropriate structures and therefore a mixture of direct investments and managed investments are used to construct your portfolio.
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Insurances
A properly constructed Insurance Programme will ensure that “the right money is in the right hands at the right time”.
This means that we will need to analyse the various risks that you face, decide on the appropriate amount of insurance and the type of insurance that is relevant to your situation, then ensure the ownership of those policies is appropriate given your circumstances.
On top of that, we need to ensure the Insurance Programme works in conjunction with your Wills and other Estate Planning arrangements to minimise conflict and ensure that your objectives are met.
We have worked in this industry since 1981 so on top of a wide theoretical experience we have also had many claims of all types to settle, and have seen the practical outcomes of insurance policies. We bring this experience to structuring your affairs, and believe most client’s objectives can be met by adopting the right approach.
Prior to deciding on the levels of coverage we believe it is vital that you understand the interaction of the various insurance types. Please contact our office for a full insurance review or analysis.
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Geared Investments
Gearing is, quite simply, borrowing money to invest. The borrowed money can be invested in a number of ways – shares, property, international investments, etc. Borrowing money to increase your investments can be a way of speeding up your wealth creation, as you have more money working for you. This can have the effect of accelerating your capital gains.
Borrowing money to increase your wealth may seem like a contradiction in terms, but it is one of the most powerful strategies available for wealth creation. Also, the strategy can be very tax-effective.
When does gearing work?
When the after-tax cost of borrowing is less than the after-tax expected return from investments, gearing will work. To achieve an investment return that is in excess of the cost of borrowing, an investor is relying on capital growth to increase the value of their investment. The likelihood of this occurring over the longer term is greater than over the shorter term. If you are thinking of gearing, you should have at least a 5-year time horizon in mind. You should also be thinking of investing in growth investments like shares or property. Investing in cash or fixed interest is highly unlikely to produce the returns you will require.
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Tax Planning
Tax planning is an essential part of wealth creation. Structuring salary, superannuation, investments and debt can create significant tax savings. Similarly, using appropriate trading and investment structures can reduce tax and help protect your assets.
Tax planning can involve:
Maximising your after tax income
Remuneration packaging (salary packaging)
Capital Gains Tax (CGT) management
Gearing
Investing in shares that offer 100% franked dividends
Borrowing to invest
Small Business and capital gains tax exemptions
The Optima Group can simplify the process for you with our ability to use the combined expertise of our wealth management, accounting and lending specialists.
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Superannuation
Did you know superannuation is the lowest legal tax rate in Australia?
Optima Wealth Management's innovative approach to superannuation helps our clients 'make smart decisions'.
Whether it is a personal fund, a master trust or a self managed superannuation fund, the use of the superannuation low-tax environment combined with your other business and personal structures and tax planning will help reduce tax and maximise your wealth over time.
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Wealth Creation
Many people regard financial planning as making investment decisions with what money you may have accumulated to date.
In our view, that is a very small part of constructing an appropriate financial and wealth management plan.
The Optima Group takes a holistic approach. We will consider your tax and business structures, your cash flow, your objectives and requirements, your risk tolerance, and all the other factors that make our approach as broadly based as it is. Primarily, we will identify what is important to you and then help you 'make smart decisions' about how to achieve your objectives.
Specific financial planning advice will be provided by authorised representatives of Optima Wealth Management, a corporate Authorised representative of Australian Financial Services Limited, holder of Australian Financial Services Number 297329. When you do obtain financial planning advice through the Optima Group you will be provided with a specific Financial Services Guide and individual disclosure concerning the specific adviser looking after your affairs.
Click here to view our Financial Services Guide
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Self Managed Superannuation Funds
The Optima Group has the experience and expertise to establish and maintain your Self Managed Superannuation Fund (SMSF), including annual financial statements, audit, and tax return preparation as required by law. We can advise you on various rules governing the establishment and maintenance of SMSF's ensuring your fund remains tax compliant. We can also provide contributions and retirement advice as required.
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Migration Services
When you migrate to Australia the last thing you want is uncertainty surrounding your financial affairs. With many years experience in assisting migrants with their financial transition to Australia, Optima Wealth can provide you with specialised professional advice to make your financial transition into Australia as smooth as possible.
Optima Wealth are one of Australia's leading financial planning firms if you are looking for accredited Financial Planners with well developed expertise in Migration affairs.
As an established business with broad experience and strong links with non-Australian financial planning firms, Optima Wealth can help new arrivals to Australia settle in quickly, and ensure their financial affairs are properly handled and on a firm footing.
Regardless of where you intend to live in Australia, your first contact through Optima Wealth will open the door to introductions to specialist firms, wide experience, and diverse services to assist you in settling into Australia. Introductions to real estate agents, car dealers, solicitors, and the myriad of other services you need to make your transition into Australian life easy.
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