5 financial–clear & confident brochure d6 web version

RightFeel clear

& confident financially

www.5financial.com.au

From 5 Financial’s Founder

Hello and welcome to 5 Financial.

Let me start with a brief story.

From a very young age, it was clear to me that life seemed more interesting, relaxed and fun for those who made wise choices with their money.

Freedom from money worries gave people the ability to devote their time to those activities in life they loved. Whether that was being able to spend time with their family, travel, create and grow a business they were passionate about, or any other kind of pursuit, having a strong financial base was a vital ingredient.

My interest in this area drew me to financial services as a career, and in 1988, I founded the company that today is known as ‘5 Financial’.

In the three decades since, we’ve helped thousands of people to protect, grow and manage their wealth and to achieve their life’s goals – both large and small.

Today our team supports clients across Australia in a variety of ways, including wealth management, tax, finance and estate planning services.

Our integrated and complete service offering means we can fulfil all your requirements efficiently and in a way that delivers maximum value to you.

We look forward to getting to know you so we can discover how we can help you to feel clear and confident about your finances, and to make the most of all opportunities available to you.

Matthew Farrell Founder & Principal 5 Financial

5 reasons to choose 5 Financial

There are 5 key ways we stand apart in the industry that deliver real benefits for you.

We call this our TRIBE advantage which stands for:

We’re Transparent

5 Financial is independently owned and we have our own Australian Financial Services Licence. As we have no ties to any financial institutions, we are free to explore a wider range of options on your behalf to find what will serve you best. Plus we are a fee-based practice, so you are clear upfront what our costs will be. Our staff are paid a salary – not commissions – so again, our advice is driven solely by what’s in your best interests.

Relationships matter We have clients who’ve been with us for several decades, and we have a real sense of

partnership in watching them bring their goals to life. We’re in this for the long term and we care a lot about helping you succeed.

We’re an Integrated practice In offering wealth management, tax, finance and estate planning services, we can

co-ordinate each element for you. This means there’s less running around for you and you don’t need to tell your story over and over. It also creates a more efficient and effective outcome for you.

Our Bespoke approach Your goals and situation are unique to you and so the strategies we develop for you

are carefully customised to match. We don’t do ‘one size fits all’ at 5 Financial; we personalise our recommendations to precisely fit what’s right for you.

We’re Experts in our field Our advisers each have strong credentials in their area of specialty. There have been

many times where – through the technical insight and experience of our advisers – new clients have been introduced to ways to save considerably on fees or to reduce their tax bill substantially. In recognition of their capability, 5 Financial advisers have been selected to present on technical concepts in professional development training for others in the industry.


How we help

Whether you’ve amassed significant wealth or you’re just starting out, the issue is the same: you want to protect what you’ve got and grow it as well as you can.

This is at the heart of what we do at 5 Financial.

And with 27+ years in the business, we draw on significant experience in helping you to maximise what you can achieve – to help you feel clear and confident financially.

Common ways we can assist include:

• Defining and detailing your goals so we can develop a plan of action to help you reach them

• Helping you to get on top of cash flow so you can comfortably plan and manage income and expenses

• Giving you a clear picture of how you stand financially, and organising each element as efficiently as possible

• Identifying what options are available to you – and which are the best ones for you to pursue

• Creating the most efficient structure to hold your assets

• Minimising the tax you pay through effective taxation strategies

• Navigating complex personal or business issues to create the financial outcomes you’re seeking

• Sourcing competitively priced finance for homes, cars, businesses and other assets

• Arranging estate planning to look after your loved ones as well as possible (and in a tax efficient manner)

• Providing expert financial advice to guide your decision making as you approach major life changes – such as getting married, starting a family, deciding to buy or sell a home or other asset, going into business or retiring.

These examples represent the ‘tip of the iceberg’ of how we can help. Talk with us about your specific requirements and we’d be happy to assist.


Our key services

If you’ve ever had to deal with multiple providers for different aspects of your finances, then you’ll find 5 Financial a breath of fresh air.

By offering a co-ordinated and efficient service, we’re able to simplify the process, integrate each element, and strengthen the outcomes you achieve.

We listen carefully so we can understand what help you’re looking for, and then offer services to match your specific needs.

Our services include:

Wealth ManagementWhen was it that you last thought deeply about your goals?

Getting clear on what you want to achieve is our starting point, and it’s from here we frame an action plan to help you get there.

With extensive experience in helping clients to build and protect their wealth, we are skilled in developing customised wealth strategies that cater to all clients – whether your requirements are simple or highly complex.

Your wealth management strategy will address areas such as cash flow management, investments, debt management, personal insurance and retirement planning.

Our experienced and friendly team will implement what’s needed on your behalf, and answer any questions you may have.

You can also take advantage of our services in financial coaching, and we are available as a sounding board so you can run any ideas past us.

We will make contact with you regularly to check in to see how you’re tracking with your progress.

And we’ll also catch up more formally on an annual basis to revisit your goals and to refine your strategy if necessary.

Our approach to investing:

Broader choicesAs we are not tied to any institutions, the investments we consider on your behalf are drawn from a wide range of options available.

Customised to youHow comfortable you are with different levels of risk and return will drive the mix and proportion of assets in your portfolio.

Low cost methodWe use a low cost method of investing to maximise the returns you gain from your investments.

Tax efficientYour investments are organised to minimise tax.

Regularly rebalancedWe regularly revisit your portfolio and rebalance it so it stays in line with the investment mix and proportion of assets that is customised to you and your needs.

www.5financial.com.auwww.5financial.com.au

TaxOur experienced in-house tax team works closely with our advisers in wealth management, finance and estate planning. This means that the tax implications of any proposed changes are considered in detail, so our recommendations to you are as tax effective as possible.

Our goal is to help you to minimise the tax you pay, and stay on top of your obligations to reduce the risk of any nasty surprises.

By taking advantage of our integrated services, when it comes time to complete your tax return, it’s likely we already have much of the information that’s needed. This lessens the load for you and reduces the amount of time you spend sorting out your tax each year.

Finance In the market for a home loan, commercial finance or to lease your next car? If so, we can help.

We can source finance at great rates from a range of Australia’s leading lenders. This allows us to shop around for a competitively priced loan that’s structured to match your requirements.

We’ll also review your loan on a regular basis to ensure it remains the ideal option for you – particularly if your circumstances change and as other finance products become available in the market.

And if you have already become a client of 5 Financial, chances are we already have access to the financial information the lending institution will require – greatly reducing the administrative burden placed on you to apply for your loan.

We can help you each step of the way to help simplify the application process.

5 Wealth Management holds Australian Credit Licence 314889.


Estate PlanningWhen you are taking care of your financial situation, it’s wise to also put in place a plan for what happens to your assets after you die.

This ensures your assets are distributed as you wish, and done in such a way as to minimise the tax payable either before or after your assets are distributed to your loved ones.

The territory that Estate Planning covers is complex – and if it’s not done right, it can create a minefield of problems for those you leave behind. Our advice? Draw on the expertise of a lawyer who specialises in this field so you can make sure your estate planning is established correctly.

As part of our integrated service, 5 Financial offers Estate Planning to assist our clients gain the peace of mind of knowing their financial affairs are set up soundly for the future.


Our philosophy

Plenty of financial services talk about how the client is at the centre of all they do. Well at 5 Financial, we do a lot more than just talk about it.

For a start, we have gone to the effort of obtaining our own Australian Financial Services License – something that very few financial services firms have attained.

Why does that matter? Well, in the Australian financial advice landscape, around 85% of advisers are licensed through large financial services institutions. We think you should ask yourself, what impact does that have on the neutrality of their advice?

At 5 Financial, we have no ties to any financial institutions – and this enables us to explore a broader range of financial products and services than many of our competitors. As a result, as a client of ours, you can access a large number of well-researched options that may not be available elsewhere.

We also focus strongly on reducing the layers of complexity (and cost) that are a feature of many financial services providers. By doing so, we help you cut the costs associated with investing so you can maximise your earnings.

By offering an integrated and co-ordinated service, we save you the trouble of having to deal with multiple suppliers for your financial services. This reduces the admin burden on you, and more importantly – means that the solutions we offer are all in sync – creating significantly better outcomes for you.


Who we work best withWith almost three decades experience under our belt, we’ve had plenty of opportunity to figure out whom we’re best suited to.

Put simply, we’re not a ‘get rich quick’ financial advisory firm. So if that’s what you’re looking for, we’re not for you.

Our approach is to carefully craft a strategy for you that takes into account a whole host of factors. Typically we take a longer term view and incorporate underlying assets that we believe are more likely to weather the peaks and troughs of the market as stably as possible.

We don’t chop and change around wildly following the whims of the market. We think that is a fast way to go backwards. And if that makes us the proverbial tortoise in the race, then we’re OK with this.

Clients who do best see us as trusted advisers, and follow the strategy we develop for them. They check in with us if they’re contemplating a decision that will have a material effect on their financial situation.

In short, we’re here for you for the long haul, and we do all we can to create a relationship in which you feel supported and encouraged in the pursuit of your goals.

If this approach resonates with you, we’d love to talk further.


Advice Leadership TeamJason Petersen Head of Wealth ManagementJason has been with 5 Financial for more than a decade. He is enthusiastic about helping each client find the most efficient way to meet their goals (and to find a way to get there, even when they can’t see it for themselves). With exceptional knowledge and technical skills, Jason holds qualifications as a Certified Financial Planner, and B Arts (majoring in Management and Information Systems).

James Sheehan Financial AdviserJames is passionate about helping clients to make lasting improvements in the way they look after their wealth. He helps his clients to define their goals more clearly, and develops an effective strategy that maps out how they can achieve them. James holds a Bachelors degree in Accounting and Finance, a Diploma in Financial Planning, and he is well on his way to gaining qualifications as a Certified Financial Planner.

Christopher Brieger Head of Accounting & Tax Over the past three decades, Chris has assisted more than 2,000 clients with their accounting and taxation needs. Skilled in simplifying complex concepts, Chris is able to help clients to better understand their obligations, as well as any opportunities available to them to reduce tax. As a result, clients enjoy a greater sense of control and certainty over their financial situation, and a stronger financial position. Chris is a Registered Tax Agent and Accountant, and he leads a team of dedicated professionals in supporting our clients’ needs.


Contact

If you’d like to know more, join us for a complimentary ‘Discovery Conversation’ where we can understand your particular requirements and you can get to know us a little better too. In this way, we can each decide if we’re a good fit for one another.

Call our Office Manager, Amber Sullivan, on 02 9739 6555 to book an appointment.

Telephone: +612 9739 6555 Fax: 02 9739 6355

Sydney CBD: Level 57, MLC Centre 19 Martin Place SYDNEY NSW 2000

Rhodes: Suite 2C, Level 2, 9 Blaxland Rd, RHODES NSW 2138 Mail: PO Box 3162, RHODES NSW 2138

Web: www.5financial.com.au

Australian Financial Services and Credit Licence Number: 314889

© 5 Financial, 2016www.5financial.com.au

5 financial–clear & confident brochure d6 web version

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