review your mortgage
As qualified mortgage brokers, we are able to assist you with new finance applications or reviewing your existing mortgage to ensure you have the right product and are getting the best rate on your debt.
At Hills Financial, we hold qualifications in both mortgage broking and financial planning as this assists us in offering complete solutions to our clients.
SILVER
Have you never received financial advice before? Are you just starting out in your financial journey? Do you want to ensure you start on the right foot?
Highlights of the Silver Package:
1. Designed for those who have not traditionally been able to access advice in the past
2. Get your Plan A and Plan B set up correctly to enable you to live the life you want to live
Example:
Our Silver service is targeted towards those who are just starting out on their wealth journey. Our example clients, David and Amy, each have $10,000 in their super funds and wish to put themselves in a good position to start building their wealth. At Hills Financial we look to optimise David and Amy’s super funds by investing them in strategies that suit their preferences. We will also create a Plan B (personal insurance cover) to financially protect David and Amy should life put any roadblocks in their way.
GOLD
Do you want to take your finances to the next level? Do you want to retire early?
Highlights of the Gold Package
1. Designed for those who want to get serious about the money they have already accumulated, and who now want to step it up.
2. In addition to getting your Plan A (Superannuation) and Plan B (Insurance) in place, we get your debt and investments on track so you can retire earlier and with more enabling you to live your best life.
3. Under the gold package we can also review your cashflow and budgeting to help you to stretch your finances further.
4. Annual catchups with your financial planner ensures you remain on track
PLATINUM
For those who want to have situations that are more complicated than usual, covering a range of advice areas and/or want assistance with their Centrelink entitlements.
Highlights of the Platinum Package
1. Designed for those who have accumulated considerable wealth (in excess of $300,000) either inside or outside of super or an income in excess of $150,000 per annum.
2. A great package for clients looking to build their wealth, we can consider more complex tax-effective investment strategies.
3. Retirement Planning, including Centrelink management
4. Invitation to bi-annual reviews with your financial planner to ensure you remain on track
Example:
Our Platinum service is targeted towards those who want to consider more complex investment solutions (including unlocking equity and tax minimisation strategies) and/or those who are looking towards or about to retire.
David and Amy have owned their property for a few years and it has increased in value therefore increasing their equity. They want to utilise this money to reinvest into an investment portfolio, an investment property, or both, and are seeking the most appropriate solution for their situation.
David’s parents are in their 60’s and are looking to retire. They want to utilise their superannuation savings to create an ongoing income both now and into the future. They also want to see what Centrelink benefits they may be entitled to in the future.
PLATINUM PLUS
Do you want to build a legacy beyond your own personal wealth?
Are you concerned about asset protection and estate planning?
Do you want to join the top 1%?
Highlights of the Platinum Package
1. Designed for those who are focused on building wealth and a legacy for their loved ones or charities.
2. In addition to benefits received in our Silver, Gold and Platinum packages, we will consider more complex investments and strategies which will enable you to build your legacy and protect your assets.
3. Invitation to bi-annual reviews with your financial planner to ensure you remain on track
4. Priority access to your financial advisor
Example:
David and Amy have now created so much wealth for themselves they are now financially free and want to leave a legacy to both their children but also charities and causes that are important to them. They want to ensure their money continues to work hard, but also ensure they protect their wealth through the reduction of tax and litigation. Complex structures such as Self Managed Superannuation funds and trusts would play a large part in a Platinum Plus client’s situation.