Financial Advisory

With a continuous and long-term approach to
financial planning and wealth management,
Equiti’s advisors take a highly developed
systematic approach for our financial advisory
services that is tailored to the needs, concerns
and goals of individual clients.

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Financial Advisory

With a continuous and long-term approach to
financial planning and wealth management,
Equiti’s advisors take a highly developed
systematic approach for our financial advisory
services that is tailored to the needs, concerns
and goals of individual clients.

Every Australian needs a private wealth advisor

Equiti embraces a philosophy centred on client relationships, not following the traditional path of simply ‘selling’ investments. An Equiti financial advisor helps you to make educated and informed decisions about your money and assists you to develop a strategic approach to managing and growing it. That’s why our structured wealth management solutions are designed to determine the highest and best use of your financial resources so that a tailored financial plan may be created specifically for you.

In addition to having thousands of investment options from which to choose, today’s financial markets have reached an increasing level of complexity and an escalating level of change. Equiti understands that most Australians don’t have the time nor the desire to become professional financial analysts, so we aim to be the right choice in financial partner to act as your trusted advocate, cutting through the major barriers that deny most of us the opportunity of ever beginning to realise our financial goals and dreams.

Equiti financial advisors are intimately familiar with the various products, plans and processes that can help you to cut through the clutter and to achieve your goals… creating clarity, confidence and certainty.

Planning is the key to financial success

At various stages of life, we are all faced with important investment and financial decisions. Your ability to make educated and informed decisions at each stage of your life can have a major impact on your income, your net financial worth and, ultimately, on your standard of living.

The 3 Financial Phases most people pass through during their life
Equiti

Wealth Accumulation Phase

Acquiring and building financial assets

  1. Financial resources directed towards paying off home and building an investment portfolio
  2. Effective tax planning ensures current and future income is utilised effectively and efficiently
  3. Creating a solid and diversified financial foundation for many more options later on in life
  4. Typically encompasses early adulthood right through to end of the prime years; usually slowly winding down during the pre-retirement years
Equiti

Wealth Preservation Phase

Preserve and grow financial assets

  1. Often still engaging in some level of wealth accumulation activities, while having a greater focus on effective risk management strategies
  2. Ensures a sufficient income stream and a level of financial security that will meet both current and retirement living expenses
  3. Typically begins in the second half of the pre-retirement years and hopefully lasts right through until the end of retirement
Equiti

Wealth Distribution Phase

Proper allocation of assets

  1. Formally does not commence implementation until such time as life passes and estates need to be distributed to family members, loved ones, charities or other
  2. Typically, Equiti clients are strongly encouraged from at least the Accumulation Stage to begin careful estate planning with their advisor, so as to provide for the efficient transfer of assets and the minimising of unnecessary tax liabilities, while identifying important issues within each stage of your life

Equiti Benefits

Equiti provides a range of benefits based on the fundamental belief that all Australians seeking financial security deserve the right to have their own private wealth manager.

Equiti
One-on-one relationship

A qualified investment expert will identify your specific financial needs, concerns and goals

Equiti
Thorough reviews

An assessment of your financial situation, with full consideration to income, assets and liabilities, current portfolio, risk tolerance and investment time frames

Equiti
Access to investment reports

Accessing and evaluating investment research reports, changing laws and other economic and financial information that may affect investment strategies

Equiti
Disciplined approach

Ensuring a disciplined and regimented approach to wealth management and minimising ineffective investor behaviour, helping to protect you against short-term market swings

Equiti
Access to experts

Access to an entire team of highly qualified and knowledgeable experts in various financial and legal fields of expertise

Equiti
Financial modelling tools

Computer-generated tools demonstrate how various investments may affect your financial goals, as well as forecasting requirements for a comfortable retirement

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Investment opportunities

Access to a variety of investment opportunities, alternatives and services to meet your changing needs as well as those of your family

Equiti
Alignment with your goals

Meeting with a qualified and licensed advisor on a regular basis to ensure that your wealth management plans continue to be aligned with the attainment of your goals

An obligation-free exploratory journey into the tools available today to start developing a strategic approach to achieving your goals.

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Our Process

Equiti’s 5 step process promotes an environment whereby decisions are made collaboratively through communication, interaction and teamwork. Equiti advisors will work closely with you throughout, to develop a complete understanding of your personal objectives, needs and financial situation. With the support of the Equiti Advisory Committee, advisors prepare a tailored wealth management plan for you.

Step 1: Understand


Your initial meeting is designed to provide you with an opportunity to meet your Equiti advisor and to use a variety of financial tools to obtain a complete and thorough understanding of:


  1. i. your personal goals and objectives
  2. ii. your fears and concerns
  3. iii. your current financial situation
  4. iv. your investment experience
  5. v. your tolerance for risk

This process will assist you to identify your goals and dreams and what they really mean to you from a financial perspective. And if you are like most people, it will help you to identify the gap that exists between where you are right now and where it is you would like to be. You will also gain a universal understanding of our wealth management solutions and how they may be able to assist you in the realisation of those goals and dreams.

Step 2: Design


Your Equiti advisor will review the information you have shared, with a team of qualified experts known as the Equiti Advisory Committee. Together, they begin the lengthy process of researching, analysing and comparing a number of alternative investment options that are most appropriate to you and to the attainment of your objectives. This is when the design of your tailored financial plan begins to come together.


Once your advisor is satisfied that the solutions properly meet your objectives, you will be presented with a comprehensive written financial plan known as a Statement of Advice, outlining our advice and recommendations, the basis on which the advice has been given, information relating to fees and costs as well as any other factors that may have influenced the provision of the advice.


Due to the comprehensive nature of tailored financial planning solutions, this step will normally take between 10 to 21 days to properly complete.

Step 3: Educate


Whilst many advisors simply implement plans on behalf of their clients, an Equiti advisor is committed to educating and encouraging their clients to be involved in their own investment strategy decisions. With a strong focus on education, our clients feel more confident towards their wealth management strategies and are able to make educated and informed decisions as they specifically relate to them.


This step involves your Equiti advisor thoroughly explaining your Statement of Advice to you and ensuring that you understand the recommendations that have been made along with the reasons why they have been made. Our aim is to offer knowledgeable, trustworthy financial and investment strategies, based on a high level of interaction with our clients. We believe that building a close relationship with our clients is essential in securing their financial future.

Step 4: Implement


Once you are completely satisfied with and understand the recommendations that have been made, your advisor, along with their administrative support team, will commence the complete implementation of your plan on your behalf.


The Equiti administrative team is purposely skilled in assisting the financial advisors with the implementation of each financial plan and our state-of-the-art computer systems are designed to efficiently handle all administrative tasks in relation to the placement and monitoring of various investments. Our highly developed and systematic approach to wealth management all goes towards building a long-term and trustworthy relationship with our clients.

Step 5: Review


A financial plan is a dynamic organism; as your circumstances change, so too must your financial plan. The best way to ensure you achieve your goals and objectives is to regularly review and fine tune your investment strategy. Not regularly reviewing your investments can cost you in poor performance, unnecessary taxation and missed opportunity costs.


Our strategic approach to regular and scheduled reviews ensures that your financial plan remains in place even when everything else changes – financial markets, government legislation and your financial situation. Ongoing management and scheduled reviews help you to stay on-track and to reach your financial goals.


A key to this step is your involvement in the process and communication of any significant changes in your life. That’s why your Equiti advisor will provide a scheduled review program as a standard option for all clients. It’s all part of being an Equiti client.

5 Fundamental Achievements

Whilst we focus on tailored wealth management solutions, almost all Equiti clients go through five key milestones. With our holistic approach and through the achievement of each, we will help you identify exactly what you want from life and what makes you happy, help you achieve balance between financial goals and lifestyle goals and create a financial plan that will enable you to enjoy today whilst ensuring a secure tomorrow.

Equiti

Reduce Your Personal Debt


When you are deep in personal debt, you hinder your ability to build wealth before you’ve even started. This is why Equiti begins your tailored wealth management plan with an effective debt reduction strategy. Equiti aims to convert your personal debt into smart debt, which can then:


  • - be used to acquire investment assets
  • - generate an income and appreciate in value
  • - have tax deductable interest
  • - generate income from the asset going towards repaying the debt
  • - have no urgency to eliminate the debt as it is largely self-maintained

Should you have a mortgage, we don’t want it to weigh you down or to take a lifetime to pay off, with a lot of unnecessary interest paid along the way. Your tailored financial plan will also address an efficient mortgage reduction strategy, enabling you to:


  • - increase the equity in your own home
  • - achieve greater financial security
  • - improve your ability to build wealth
Equiti

Minimise Your Tax


At Equiti, we encourage our clients to look at taxes as an expense, as opposed to accepting it as a fact of life. The average Australian spends more money on taxation than they do on their own mortgage!


Your Equiti advisor assists you to create a financial plan that uses your tax dollars to help you achieve your personal goals. We plan ahead so that you don’t miss the opportunity to reduce your tax liabilities and, with year-round planning, minimise the effects of taxation starting with an in-depth understanding of your financial situation. We highly recommend that your final investment decisions should be made with priority on suitability first and on tax considerations second.


Here are a few basic ways an Equiti advisor can assist you to minimise your taxes:


  1. Reduce your assessable income
  2. Increase your tax deductions
  3. Take advantage of credits and offsets
Equiti

Build Your Wealth


Whether you are investing for the first time or adding to your portfolio, there are many ways to build wealth and make your money work harder for you. Our Equiti advisors provide a wide range of services that help you make decisions based upon sound investment and wealth management principles. Whilst income, capital growth and security are three common investment characteristics, our criteria doesn’t stop there.


To provide guidance to clients, we developed the 10 Disciplines of Investing. Not all may apply to you, and there are no guarantees, but by following these you have a higher probably of success.


  1. Develop a suitable tailored investment strategy
  2. Don’t put all your eggs in one basket
  3. Take a holistic approach considering tax
  4. Don’t ignore your superannuation
  5. Create a risk management strategy
  6. Understand and utilise the power of compounding
  7. Be a long-term investor, not a short-term trader
  8. Read and understand any information provided by your advisor
  9. Be realistic with investment expectations
  10. Avoid arbitrary investment advice and tips
Equiti

Manage Your Risk


The concept of investing carries an element of risk, so the idea is to manage it. It is important to be as aware of the risks as you are of the potential rewards. Through our process, your Equiti advisor aims to manage your risk, focusing on two fundamental objectives:


  1. Protect your wealth
  2. Protect you and your family

The traditional approach to financial planning begins with determining how much risk you are comfortable with and then creating an investment portfolio based on your level of risk ‘tolerance’; therefore giving you what you think you want, not necessarily what is needed to achieve your goals. Equiti provides a dynamic, alternate approach which determines what degree of risk is required to achieve your financial goals and then create the investment portfolio necessary to give you the greatest possibility of achieving your objectives.


We believe that managing risk is about making educated and informed decisions. Equiti provides private wealth management, which is an improved way of financial planning, specifically designed to help you achieve your long-term goals reliably, with the key focus on the returns needed to do that.

Equiti

Create Your Legacy


After working a lifetime to build your wealth, we want to ensure it is managed, protected and transferred according to your wishes, with two key areas:


  1. The right to determine what happens to your assets
  2. The right to protect them from unnecessary taxes

Working in conjunction with the Equiti Advisory Committee’s specialised estate planning lawyers, your advisor helps you establish an appropriate estate plan structure for you, considering both the acquisition and distribution of your assets, and will form an important part of your long-term wealth management strategy. Having your financial advisor, your taxation expert and your estate lawyer all on one team working together to create your legacy is invaluable.

The components of an estate plan will vary according to your personal circumstances, but may include:


  • - Wills and trusts
  • - Powers of attorney and enduring powers of attorney
  • - Life interests
  • - Declarations of life
  • - Letters of instruction
  • - Trusts
Equiti

Reduce Your Personal Debt


When you are deep in personal debt, you hinder your ability to build wealth before you’ve even started. This is why Equiti begins your tailored wealth management plan with an effective debt reduction strategy. Equiti aims to convert your personal debt into smart debt, which can then:


  • - be used to acquire investment assets
  • - generate an income and appreciate in value
  • - have tax deductable interest
  • - generate income from the asset going towards repaying the debt
  • - have no urgency to eliminate the debt as it is largely self-maintained

Should you have a mortgage, we don’t want it to weigh you down or to take a lifetime to pay off, with a lot of unnecessary interest paid along the way. Your tailored financial plan will also address an efficient mortgage reduction strategy, enabling you to:


  1. increase the equity in your own home
  2. achieve greater financial security
  3. improve your ability to build wealth
Equiti

Minimise Your Tax


At Equiti, we encourage our clients to look at taxes as an expense, as opposed to accepting it as a fact of life. The average Australian spends more money on taxation than they do on their own mortgage!


Your Equiti advisor assists you to create a financial plan that uses your tax dollars to help you achieve your personal goals. We plan ahead so that you don’t miss the opportunity to reduce your tax liabilities and, with year-round planning, minimise the effects of taxation starting with an in-depth understanding of your financial situation. We highly recommend that your final investment decisions should be made with priority on suitability first and on tax considerations second.


Here are a few basic ways an Equiti advisor can assist you to minimise your taxes:


  1. Reduce your assessable income
  2. Increase your tax deductions
  3. Take advantage of credits and offsets
Equiti

Build Your Wealth


Whether you are investing for the first time or adding to your portfolio, there are many ways to build wealth and make your money work harder for you. Our Equiti advisors provide a wide range of services that help you make decisions based upon sound investment and wealth management principles. Whilst income, capital growth and security are three common investment characteristics, our criteria doesn’t stop there.


To provide guidance to clients, we developed the 10 Disciplines of Investing. Not all may apply to you, and there are no guarantees, but by following these you have a higher probably of success.


  1. Develop a suitable tailored investment strategy
  2. Don’t put all your eggs in one basket
  3. Take a holistic approach considering tax
  4. Don’t ignore your superannuation
  5. Create a risk management strategy
  6. Understand and utilise the power of compounding
  7. Be a long-term investor, not a short-term trader
  8. Read and understand any information provided by your advisor
  9. Be realistic with investment expectations
  10. Avoid arbitrary investment advice and tips
Equiti

Manage Your Risk


The concept of investing carries an element of risk, so the idea is to manage it. It is important to be as aware of the risks as you are of the potential rewards. Through our process, your Equiti advisor aims to manage your risk, focusing on two fundamental objectives:


  1. Protect your wealth
  2. Protect you and your family

The traditional approach to financial planning begins with determining how much risk you are comfortable with and then creating an investment portfolio based on your level of risk ‘tolerance’; therefore giving you what you think you want, not necessarily what is needed to achieve your goals. Equiti provides a dynamic, alternate approach which determines what degree of risk is required to achieve your financial goals and then create the investment portfolio necessary to give you the greatest possibility of achieving your objectives.


We believe that managing risk is about making educated and informed decisions. Equiti provides private wealth management, which is an improved way of financial planning, specifically designed to help you achieve your long-term goals reliably, with the key focus on the returns needed to do that.

Equiti

Create Your Legacy


After working a lifetime to build your wealth, we want to ensure it is managed, protected and transferred according to your wishes, with two key areas:


  1. The right to determine what happens to your assets
  2. The right to protect them from unnecessary taxes

Working in conjunction with the Equiti Advisory Committee’s specialised estate planning lawyers, your advisor helps you establish an appropriate estate plan structure for you, considering both the acquisition and distribution of your assets, and will form an important part of your long-term wealth management strategy. Having your financial advisor, your taxation expert and your estate lawyer all on one team working together to create your legacy is invaluable.

The components of an estate plan will vary according to your personal circumstances, but may include:


  1. - Wills and trusts
  2. - Powers of attorney and enduring powers of attorney
  3. - Life interests
  4. - Declarations of life
  5. - Letters of instruction
  6. - Trusts
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Equiti

1300 990 990

info@equiti.com.au

  • P.O. Box 3973
  • PARRAMATTA CBD NSW 2124

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