A Yellow Brick Road adviser will work with you to detail your goals, understand your circumstances and develop a financial strategy to meet your objectives. Key to this partnership is ongoing management and review of your financial plan, re-setting of goals, and adjustments to the strategy when necessary.
Developing a financial strategy is much more than undertaking a ‘risk tolerance’ assessment and creating an investment portfolio that delivers that risk. It is much more complex, and rewarding, than that. A key philosophy of Yellow Brick Road is that the best answer for an individual is unique to that individual. Achieving an appropriate risk-return trade-off that best meets your goals requires a solution that ties together your objectives, preferences and circumstances. You need an adviser who is able to work with you and has access to leading professionals to design a financial strategy. Yellow Brick Road combines a team of senior advisers focused on the client, with specialist practitioners who work with the advisers and clients to deliver the best solution.
To maximise wealth creation, you need to pay attention to how your objectives are achieved. Managing costs, including minimising taxes, is critical. Ensuring your investment infrastructure suits you can avoid pitfalls down the track, particularly around retirement, and can provide more flexibility and peace of mind. We have the necessary expertise to help you.
Achieving financial security and sleeping well also involves thinking about how much financial risk you are comfortable with. We can help you understand your risk-tolerance levels, and translate and illustrate how risk can affect different strategies designed to achieve your objectives. We want to ensure that your strategy is understood and suitable to you.
We have the expertise and processes to ensure we fully understand the risks of any investment we recommend, without just relying on third party investment options.
You also need to know your adviser is free of vested interests. Yellow Brick Road is not tied to any financial institution, and we do not receive commissions on investment products. (If we do receive a commission, it is rebated to you.) Our advisers are not remunerated on a commissions basis.
Superannuation is a tax-effective and flexible way to build wealth for retirement. If you already have reasonable retirement savings, a self managed superannuation fund (SMSF) may be the best way for you to continue building your wealth.
Whether you are working and saving for the future, or have already retired, it is important to get the structure of your superannuation right to avoid problems later. Good structuring and advice is critical if you wish to maximise the payout you receive when you retire, or that your dependants and others receive in the event of your death or disablement.
Yellow Brick Road can advise you on whether a SMSF suits your circumstances and can establish one for you. All members of SMSFs are trustees or directors of a trustee company and we can provide the resources and education to assist you with meeting your obligations.
We can advise on and arrange the right type and amount of insurance for fund members, taking into account their financial circumstances and other insurance that you might already have in place.
Yellow Brick Road provides advice and works with you to manage the investment of the funds within a SMSF, focusing on your objectives and overall financial strategy while making sure the administrative obligations of the fund are met. Your fund’s position and performance is reported to you regularly along with all the other components of your financial strategy, and you can access required information online at any time.
Yellow Brick Road's advisers have many years of experience helping people with SMSFs.
As Chartered Accountants and Registered Tax Agents, Yellow Brick Road offers a full range of accounting and taxation services for individuals, small and medium sized businesses and professional practices. We will prepare financial statements and income tax returns, and lodge tax returns and the various other documents necessary to comply with your legal obligations.
More importantly, our expertise in structuring your affairs to fit with your financial objectives is a key part of achieving better wealth creation without more risk. This involves combining taxation, superannuation, financial structuring and investment expertise.
We advise clients on what business and investment structures best suit their needs and help them achieve good taxation outcomes when purchasing or selling businesses, or planning for the transfer of assets between generations.
Our accountants work with our insurance and finance specialists to integrate your insurance and debt arrangements within your business, investment and personal structures.
Most importantly, we will work to make your financial structure best reflect your business or professional circumstances, as well as your personal circumstances.
Family trusts can be a useful way of protecting your assets and can better facilitate the movement of wealth between generations. For some investors, family trusts can minimise the income tax they pay and can be an essential part of a client’s financial structure.
Yellow Brick Road can advise you on whether you should establish a family trust. We will ensure the trust structure is managed and administered to maximise benefits and meet regulatory requirements.
Yellow Brick Road insurance specialists can help with your general and life insurance needs. We are a broker between you and the insurance companies and we are not aligned with or tied to any financial institution, meaning we do not favour any product. We'll consider your requirements and the strengths and weaknesses of competing insurers and policies to make sure you get the most suitable deal.
Yellow Brick Road can advise on and arrange insurance such as life and disability insurance, income protection and trauma cover. By combining the expertise of our tax, superannuation and investment specialists, we can advise on the best way of structuring your insurance policies and ensure the choices made are consistent with your financial strategy.
Yellow Brick Road general insurance specialists can assist with cover for personal and business assets and risk insurances, including specialist policies for companies and directors, as well as practising professionals.
Yellow Brick Road can advise and implement optimal structures to deal with estate planning, asset protection and asset transfer structures.
A complete financial strategy should include specific plans to deal with the transfer and protection of wealth. An up-to-date will is a critical starting point, and needs to properly reflect your wishes while adequately reflecting your asset and liability ownership structure. Enduring Powers of Attorney and Testamentary Trusts are very useful asset protection and estate planning tools and we are skilled in advising whether they are appropriate for you.
Asset protection structuring, in addition to the roles that insurance might play, can include addressing risks arising from business or professional practise, or even hobbies. We can also advise you on dealing with assisting family members financially or commercially.
Family owned businesses present a number of challenges for the smooth inter-generational transfer of wealth. Integrating estate planning, asset protection and inter-generational transfer strategies within your financial structure requires the teamwork that Yellow Brick Road’s adviser and specialist team can deliver.
Yellow Brick Road can provide access to specialist, direct investments as part of an investment portfolio. Direct investment opportunities can include participation in private equity syndicates, direct property ownership syndicates and other specialist opportunities.
We believe that direct investments can offer excellent risk-return and portfolio benefits, and provide unique opportunities not available in listed markets.
Yellow Brick Road has access, investment evaluation expertise and processes to consider specific opportunities and to advise on how they can be included in your portfolio.
Yellow Brick Road Securities provides equities advice and execution services, including access to initial public offerings and new issues by listed companies of shares, listed notes and hybrid securities.
Yellow Brick Road advisers can help clients either on specific listed security opportunities, or on an investment portfolio. A dedicated trading account for clients that want to take an active role in the market can be organised within your overall investment structure to meet your preferences and ensure your objectives are best satisfied.
Yellow Brick Road debt specialists can assist in arranging debt finance, either for mortgage borrowings, or specific equipment finance. Our debt specialists work with clients and their advisers and tax specialists to ensure your requirements are fully and optimally delivered, minimising your personal risk on debts, and achieving the most suitable terms and conditions overall. Our debt advisers can work with our accountants and insurance experts to fully address your needs when taking on or restructuring debt.
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