We recognise that everyone’s needs, goals and circumstances are different. That’s why we’re focused on first understanding what our clients are hoping to achieve before we determine how we can help and what advice we need to provide.
Once we establish a partnership with our clients, all our advice and ongoing efforts are focused on helping them eliminate any financial concerns and live out the goals and experiences important to them.
At Verse, we operate free from many of the conflicts that can impact the quality and value of financial advice. Our fees are transparent and reflect the complexity of each client’s individual circumstances. We aren’t aligned to any financial products providers and don’t take any commissions.
At Verse, financial advice is comprehensive and holistic. We’re focussed on your entire financial life which includes your financial habits and behaviours to ensure that you have the best chance of achieving the goals most important to you.
Financial investments can be complex and challenging with numerous options, risks and considerations. Using extensive research to support our recommendations, we’re focused on finding the most appropriate investments for your circumstances and attitude to risk. We aim to simplify the complexities of shares, managed funds, property, term deposits, cash and bonds to ensure your investment appropriate is aligned to your needs and future goals.
We also clearly communicate the specific benefits and drawbacks of all investments to ensure you’re making informed decisions. We construct and manage portfolios that are tailored to your individual circumstances to ensure you are making the most of your opportunities whilst not being exposed to inappropriate risks.
Cash flow management
Effectively managing your cashflow can have an enormous impact on your overall financial health. At Verse, we believe that developing and maintaining the right financial behaviours is essential in achieving your goals as your cashflow is the foundation for almost all long term wealth building strategies.
Securing your financial future is not just about building your assets but also paying down debt. We consider strategies to help you reduce and eliminate your debts as quickly as possible without significant compromise to your lifestyle.Effectively managing your cashflow can have an enormous impact on your overall financial health.
Super & SMSF’s
Superannuation is a tax effective savings structure designed to fund retirement and is one of the most significant assets most people will own. To ensure that you maximise your superannuation we will assess your fund, assets, insurances and contributions including salary sacrifice. We do this whilst giving consideration to your own investment time horizon, tolerance to risk, need for access to funds due to retirement or alternatively just needing a regular source of income.
Self-Managed Superannuation Funds is the largest growing superannuation sector in Australia. An SMSF enables members to have greater control and flexibility over superannuation investments and strategies. An SMSF will also provide access to a broader range of assets including direct ASX listed shares, residential and commercial property as well as more ‘exotic’ investments such as options, warrants, CFDs and collectibles. It is important to understand that running your own fund can be complex and there is a range of important considerations to be made before establishing an SMSF. The Verse team can help determine whether an SMSF is appropriate for you and once established help you proactively manage your portfolio and administer your fund to support your long-term goals.
Personal & Business Protection
Protecting the immediate lifestyle of you and your family as well as your future plans requires appropriate insurances to be in place. Unexpected events including death, disability, cancer, other serious illness or injury may result in you, your family and or business partners being unable to maintain their lifestyle, meet financial goals or continue a business venture.
Insurance advice requires consideration to be given to your level of insurance needs, policy ownership, cash flow and the affect of tax on claims. Verse is not aligned to any product insurance provider which ensures that you will always receive advice that is perfectly matched to your individual circumstances.
Tax minimisation is one important facet of your overall financial strategy and should always be considered in combination with other areas such as investment returns, personal income and your financial objectives. Reducing the amount of tax that you pay every year can have an enormous impact on your long-term wealth, however this requires thorough consideration and well-timed ongoing financial advice. Given tax rules and regulations are ever changing, with effective strategies in one year often being rendered ineffective or obsolete the following year.
Approaching retirement can be very exciting as you look forward to a significant lifestyle shift and an opportunity to enjoy more of life’s pleasures, however preparation is the key to successfully navigating the transition. It’s never too early to start preparing for your retirement and this focus can open up a range of wealth creation strategies that will strengthen your financial position as you move toward financial independence.
It’s vital that your retirement planning strategies are flexible, as this is a time when your personal situation can change quickly due to changes in health, employment, children who need financial support or a shift in your personal goals. Longevity can also be a major factor as you need to ensure that your retirement savings can support you for as long as necessary. This can be achieved through establishing income streams, cash flow management and other strategies such as accessing any Centrelink entitlements.