connected advicenexusprivate.com.au/downloads/nexus-services-brochure... · 2017-01-20 ·...

Nexus Private Wealth Management

Connected Advice Offering the full suite of services required to ensure your personal finances are heading in the right direction.

REACHING FAR BEYOND TYPICAL FINANCIAL PLANNING CONNECTING ALL SERVICES STRATEGICALLY AND COLLABORATIVELY.

Information contained within this brochure is general in nature and does not constitute advice. We have not taken into consideration any individual circumstances and suggest that no person act on the basis of this information without obtaining professional advice as to how it applies to their own personal circumstances. All content appearing in this brochure is proprietary, copyrighted, owned and licensed by Nexus Private Wealth Management. All rights reserved.

Nexus Private Wealth Management is made up of the following companies: Financial Planning Advice is provided by Nexus Private Financial Planning Pty Ltd - ABN 58 159 649 055. Authorised Representative of Madison Financial Group Pty Ltd (MFG) - ABN 36 002 459 001 (AFSL No. 246679) | Property Advice is provided by Nexus Private Property Advisory Pty Ltd - ABN 52 159 828 038 (REA no. 3565454) | Lending services are provided by Nexus Private Home Loans Pty Ltd - ABN 37 169 705 926 (ACL no. 463839) | Accounting and Taxation services are provided by Nexus Private Accounting Services Pty Ltd – ABN 84 169 784 329 (RTA no. 25331778)

1300 473 347 | www.nexusprivate.com.au


Let us guide youLife has its twists and turns and, for many of us, planning for the future can seem challenging if not futile. However, at some stage of our lives, we all require the assistance of finance professionals - whether it’s to borrow for a home, acquire investments, take out insurance or lodge a tax return.

Finding professionals that act in your best interest isn’t always easy, but what’s even harder is getting these professionals to work together on your financial objectives. Providing specialist advice that considers other aspects of your finances, and connecting these services when efficiencies can be gained, is what makes us different.

Private Wealth Management is more about achieving the things in life that are important to you and not simply selling a product or service.

The majority of our clients aren’t ‘wealthy’. They’re just people looking to achieve financial freedom and security for their family. People like you. We can help you achieve beyond what you ever imagined possible with cost-effective solutions and straightforward advice.

So whether it’s lodging your first tax return, developing a wealth accumulation plan, or leaving a legacy, we can guide you through the many financial decisions you will need to make throughout life’s twists and turns.

Let us guide you to a healthier, wealthier financial future.

A boutique financial services business

that does it all

Stephen VickManaging Director


To help you see your finances differently

To bring your financial advice needs together

To give you confidence to do more with your personal wealth

AT NEXUS WE HAVE A SIMPLE VISION

CONNECTEDCombine the services and expertise you need to achieve your financial goals.

CARINGWe care about the things that are important to you.

INDEPENDENTLY OWNEDProvide flexibility and choice in the products you can select from. We are not owned by or aligned to any financial institution; nor do we sell our own products.

COMPLETEBuild investment strategies that consider all asset classes.

INTEGRATEDMaintain a complete picture of your financial position. No more stress managing everything yourself via different providers.

WHAT THIS MEANS FOR YOU:• Improved cost efficiencies

• Product selection based on your best interests

• A clear, single minded strategic vision across all of your advisers

• Drawing on the experience of multiple professionals

• Ease of implementation and the ongoing management of your strategies

• Working with a unified team, dedicated to equally high levels of service delivery

START TODAY, ENJOY TOMORROW


Our ServicesWEALTH MANAGEMENTCombine multiple strategies and services to optimise your financial position

Build a wealth plan you are comfortable with and committed to

Manage your finances with ease

ACCOUNTINGReview tax strategies that take everything into account – work, investments, debt and family

Receive all allowable deductions and reduce your overall tax burden

Look to the future for additional tax efficiencies

INVESTMENT ADVICEAccess a wide range of investment opportunities

Manage your portfolio with ease

Regularly report on investment performance, economic conditions and relevance of portfolio

PROPERTY SERVICESAcquisition services that deliver superior results

Comprehensive financial analysis and market research

Access to properties that are not available to the general public

MORTGAGE LENDINGFind the right loan for your circumstances

Structure your mortgage appropriately to minimise interest, fees and tax

Choose from more than 40 lenders and 1,200 products

PERSONAL INSURANCESEstablish a comprehensive risk management plan

Assess the various types and amounts of insurance required to protect you and your family

Choose from a wide range of leading insurance companies

SELF-MANAGED SUPER FUNDSDiscover the flexibility, choice and control available through SMSF investment strategies

Leverage your super using Warrants or Limited Recourse Borrowing Arrangements

Manage your ongoing compliance requirements

SUPERANNUATIONGet your super working for you

Understand how your super can significantly increase your personal wealth

Take advantage of a number of tax minimisation strategies as you transition to retirement

ESTATE PLANNINGMake a plan for your family’s future

Ensure your life’s work is protected

Ensure your beneficiaries gain access to your legacy in a timely and tax effective manner

Bringing together the full suite of financial services required to build and protect your personal wealth.



Making the most of your financial position Wealth management might sound complicated. But it doesn’t need to be. At Nexus, we focus on providing good financial advice that is simple to understand and which helps you make smarter financial decisions.

Wealth Management

Private Wealth Management simply

means taking advantage of a range of

financial opportunities to increase return

on investment while reducing tax, duties,

interest, fees and risk. The compound effect

of combining multiple strategies can have a

profound effect on your personal net wealth.

Creating wealth is less about investment

performance and more about structuring

your affairs to get the most out of your

financial opportunities.

Wealth management considers the

following areas:

• Effective use of equity

• Cash-flow forecasting and management

• Debt structuring

• Gearing strategies

• Tax planning

• Investment selection and management

• Ownership and trust structuring

• Superannuation strategies

• Retirement planning

• Risk management

• Intergenerational planning and aged care

• Estate planning

THE RIGHT PLAN FOR YOU

We look at everything to establish a complete picture of your financial position before advising

on ways to help you build and protect your wealth. We do this in the context of your personal

goals, time frame, risk profile, capacity and attitudes towards money - as the best laid plans can

be undone if you’re not comfortable with the journey.

WHO BENEFITS MOST?

There are very few people

whose financial positions can’t

be considerably improved

by undertaking a wealth

management review.

If you want to make the most of

the position you’re currently in,

our Wealth Management service

can help you reach your peak

wealth potential.



Accounting

Big picture thinkers

Tax accounting goes beyond just getting your tax return completed on time. At Nexus, we take the time to consider your big picture.

While others look for liabilities; we look for opportunities. Using our cross-over teams and financial skills, we’re able to dig deeper into your personal situation to uncover all claimable deductions.

Our ultimate goal is to fully explore the possibilities for reducing the amount of tax you pay.

EFFICIENCY AND CAPACITY

As your financial profile grows, so too does the complexity of your tax.

If you’re holding investments and/or complex debt structures, or this is something you’re considering as part of a broader wealth management strategy, our experienced accountants and advisers can assess your situation to make the most of tax saving opportunities.

A comprehensive tax planning review may reveal opportunities in other areas of your finances where cash-flow, tax savings and investment strategies can be combined to increase your net wealth.

WE MAKE TAX TALK LESS TIRING

WHO BENEFITS MOST?

We’re here to help across the full range of tax accounting services, whether you need a simple tax return, business or family trust return, or a complete set of SMSF financial statements and audit. We offer all-inclusive pricing to keep things simple for you.


A personal approach to building wealth Investing is a personal thing. Every investor has different cash flows, assets, debts, tax positions and personal values.

The same investment can yield different results for different investors so it’s important to have an adviser who can clearly explain the various investment vehicles – and what to expect from them – to set up a portfolio that’s right for you.

WHO BENEFITS MOST?

We cater to all levels – from first time to experienced investors. We guide you through the decision making process explaining investment concepts in terms you understand.

Investment Advice


The first step is to build tailored investment solutions, taking into account your goals, financial capacity, time frame, and tolerance to risk. We consider a variety of asset classes, administration platforms, investment styles and fund managers. This creates opportunities beyond mere investment performance, such as beneficial tax treatment and capital protection.

But it doesn’t stop there. Responsible management of your portfolio requires adjustments as time goes by. Rebalancing the weightings of asset classes, fund manager replacement and managing tax liabilities are just some of the things that a good investment manager does to protect and grow your investment portfolio.

MAKING INFORMED DECISIONS

Education is an important part of creating investment plans as you must understand your plan in order to be committed to it. Long-term investment strategies require patience and discipline as most people’s wealth is destroyed by frequent and unnecessary strategy changes. This is where our advisers can help.

MAINTAIN INVESTMENT FOCUS

We will work with you to establish and maintain the mechanics of your investments, and we can help you through the challenging and emotional side of investing. You set the parameters and we will work with you to achieve your investment goals with minimum risk.

IT’S YOUR FUTURE, LET’S BUILD IT WISELYVisit our portfolio management page at www.nexusprivate.com.au

for more information on how we manage your investments


Buying without emotion For many Australians, property is a popular investment choice. But at times, emotions can get in the way of good investment decisions. High competition or exhausting searches can lead to poor choices – like paying too much or spending more than you can afford.

Property Investing

Like any investment, property must be thoroughly researched and critically evaluated in light of your complete wealth strategy. At Nexus, we have qualified financial advisers who provide property specific financial analysis as part of a long-term balanced investment strategy.

BEYOND THE NUMBERS

Nexus Private Property Advisory holds a Real Estate Agency License and was established to provide investment property advice and related services.

We have access to an extensive list of properties throughout Australia – off the plan, under construction and recently completed – secured directly from developers. Our vast network means securing opportunities that are not advertised to the general public.

THE RESEARCH

Our property research and selection process is designed to produce superior investment returns for our clients. Individual property reports include:

FINANCIAL

• Full financial analysis (property specific)• Rental appraisals• Depreciation schedules• All annual expenses• All purchase and borrowing costs

VALUE

• Valuations and comparative sales report• Sales statistic reports – RP Data/Core Logic• Floor plans• Finishes and inclusions• Builder/Developer profile

YIELD

• Nexus 25-point property checklist• Vacancy rates and projections• Demographic analysis• Comparative rental reports• Development approvals for area

GROWTH

• Nexus 25-point property checklist• Macro and micro economic growth indicators• Development and location risk assessment• Council plans (where applicable)• Suburb reports - Urbis


WHO BENEFITS MOST?

We can assist with all aspects of property investment - financial assessment, research, inspection, negotiation, acquisition, settlement and ongoing management – helping first home buyers, property investors, and SMSF Trustees.


How will you use the loan? What’s the best loan structure? What fees are involved? Making the right choice based on your finance and debt consolidation needs is essential for improving your overall wealth position.

At Nexus, we match loan products to your individual financial circumstances.

We consider appropriate lending structures to help you:

• Reduce loan costs• Improve cash flow• Reduce interest payable• Maximise tax deductions• Reduce non-deductible (bad) debt• Increase wealth

MORE CHOICE

With a panel of over 40 lending institutions and 1,200 products to choose from, our mortgage specialists can help you find the cheapest home, car or investment loan.

As qualified financial advisers and accredited mortgage brokers, we also have access to ‘Private Client’ lending, periodically offered by major banks. These lending arrangements are typically reserved exclusively for high net-worth individuals and include special conditions such as deeply discounted interest rates, lower fees or higher loan-to-value ratios (LVRs) without mortgage insurance.

These exceptional offers are made available to all Nexus clients.

Informed decisions start hereFinding the best home or investment loan means looking beyond the headline interest rate.

CAN YOU BUILD WEALTH WITH A MORTGAGE? Yes, you can - with the right structures and the right advice.

WHO BENEFITS MOST?

Whether you’re buying your first home, investing in property, re-financing or reducing debt, Nexus Private Home Loans will find the best loan and loan structure for you.

Mortgage Lending


At Nexus, we help assess your insurance needs with the aim of tailoring a risk management solution to suit your life stage and personal circumstances.

WE DO MORE THAN RECOMMEND INSURANCE

We provide critical financial analysis to understand your risks and financial commitments; before presenting various solutions for you to choose from. This may include insurance cover within your superannuation, employer protection, general insurance or risk retention strategies to minimise the impact on your cash flow.

HELP WHEN YOU NEED IT

We review your insurance needs each year to ensure your cover reflects family changes or increased personal wealth. Should an unfortunate event happen to you or your family, we will also be there to help you with the claims process; so that you can focus on what’s really important.

LIFE COVER

Pays a lump sum benefit if the life insured dies during the term of the insurance.

INCOME PROTECTION

Provides a replacement income stream should you be unable to work as a result of injury or illness.

CRITICAL ILLNESS (TRAUMA)

Pays a lump sum benefit if you suffer one of the major health traumas specified in the policy. Examples include heart attack, stroke, cancer and other illnesses.

TOTAL AND PREMANENT DISABILITY (TPD)

Pays a lump sum benefit if you suffer an illness or injury that renders you totally and permanently unable to work.

Protect your most valuable asset If you were hurt in an accident, suffered serious illness or even death – aside from the emotional cost – what would the financial impact on your family be?

Personal Insurance

INDEPENDENTLY OWNEDAt Nexus, we are not aligned with any financial institution, which means we have access to a

wide range of insurance products from a number of leading providers.


WHO BENEFITS MOST?

A well considered insurance plan that takes into account your entire personal and financial circumstances, can ensure you’re not over or under insured. It will also help future-proof your income, assets, and investment plans - giving you peace of mind that the future security of you and your loved ones has been taken care of.


Superannuation is currently the most tax effective way to invest for Australian residents and can help reduce your personal income tax, tax on investment earnings and capital gains tax (CGT). Used wisely – both before and after retirement – your super can significantly contribute to your overall wealth position.

Simply ‘putting money into super’ doesn’t cut it any more. Investing time in setting up a structure that’s right for you can have a major impact on when you retire – and the lifestyle you’ll enjoy in retirement.

ADVICE ON SUPERANNUATION

The right superannuation advice can make a world of difference to your overall personal wealth. At Nexus, we can help you strike the right balance of building wealth both inside and outside of super. We can advise where to best direct surplus cash-flow in light of your personal debt, investment plans, career plans and desired retirement age.

We can also advise of any government incentives available to you and when it may be appropriate to start shifting significant assets into the super environment. Once you’ve retired, we can advise on strategies that ensure your superannuation lasts as long as you do.

We can help maximise the performance of your superannuation using a number of super strategies; including:

• Salary sacrifice• Non-concessional contributions• Transition to retirement pensions• Account based pensions• Co-contribution• Spousal contributions

• Re-contribution• Installment Warrants• Death benefit nominations• Business CGT minimisation• Insurance in super• Self-Managed Super Funds

Get set with your superFor most people, super will be their largest asset outside of the family home. So why don’t we give it more thought?

Superannuation

BETTER FINANCES START TODAY

WHO BENEFITS MOST?

Everyone can benefit from reviewing their super. It doesn’t matter what your age or family circumstances. Make the right decisions at the right time to live your best life in retirement. Don’t put it off – get set with your super today.



• Establish all SMSF documentation

• Choose the trustee structure

• Understand the rules and trustee obligations

• Create the investment strategy

• Establish insurance

• Roll over benefits and close old funds

• Arrange finance

• Set up Wraps and cash accounts

• Buy property within your SMSF

• Make death benefit nominations

• Arrange annual audits

• Prepare and submit SMSF tax returns

• Manage ongoing compliance

IS A SMSF RIGHT FOR YOU?

We bring together a network of highly skilled and experienced advisers – including specialist SMSF investment advisers, accountants, solicitors, mortgage brokers, property agents and auditors – to help you understand the pros and cons before making a decision.

NEGATIVE GEARING INSIDE SUPER

Since borrowing to invest in property within super became legal in 2007, Australian SMSF balances have grown to represent the largest single category of super funds. Nexus are specialists in direct property acquisition within SMSF. Contact us to learn more about buying property within your super.

If you decide a SMSF is right for you, the Nexus Private team can help you:

Self-Managed Super FundsTake control of your superA Self-Managed Super Fund (SMSF) puts you in control of your investment options and opens up opportunities for improved financial growth through strategies not available from industry or retail super funds.


SMSFs EXPLAINEDVisit our online resource centre at www.nexusprivate.com.au/resources

WHO BENEFITS MOST?

Those with regular income and combined super balances of more than $150,000 will benefit most from SMSFs. It’s important to understand that SMSFs require greater care and responsibility, and are not appropriate for everyone.


Comprehensive estate Planning adviceLife can be complicated. Add factors like running a family business, having a blended family, or multiple superannuation policies and the picture becomes even less clear.

Estate Planning

At Nexus, we believe the wealth you work a lifetime to create should be protected. This makes estate planning one of the most important of your financial obligations.

Estate planning considers many aspects of your personal and business interests, including advice on how to:

• Ensure your financial assets will meet your family’s or partner’s needs in a time and manner you deem appropriate

• Structure your estate as tax effectively as possible• Ensure appropriate insurances are in place • Set up testamentary (bloodline) trusts • Establish Executors, Powers of Attorney and medical directives

LOOKING AFTER YOUR INTERESTS

You may not be aware that your superannuation benefits, including any insurances paid within your fund, are not automatically dealt with as part of your estate – as all superannuation funds hold their own entity status – separate from you as an individual.

Death benefit nominations made within most super funds lapse every three years, often leaving the majority of your wealth at risk of being held in probate or being contested from an unwelcomed party.

Furthermore, if you’re a business owner, your estate plan forms part of your business succession strategy. We can help ensure all the necessary insurance and buy/sell agreements are in place to safeguard the value of the firm should something happen to you or your business partner/s.

LEAVE THE LEGACY YOU IMAGINED

WHO BENEFITS MOST?

Estate planning is something we all need to do – especially if you want to protect and provide for the people you love.



Our Clients

GARY AND SHARON Newcastle, NSWWe are extremely impressed with the level of service and professionalism of the Nexus team. From our first meeting, Steve and his team explained how we could work towards realising our financial and wealth creation goals. With regular contact and exceptional customer service, the Nexus team were always on hand to answer any questions. As a Defence Force member, they quickly gained a detailed understanding of my position in order to individually tailor our specific financial situation. We are extremely excited about our financial future and are highly impressed with the Nexus team.

DARREN AND LEESA Capalaba, QLDWe just wanted to take this opportunity to personally thank you and your team for your great work sorting out our financial situation, and in particular the ease of management and peace of mind you have given us. The level of service and attention to detail has been excellent. We now have direction and a clear vision of our finances, confident they are structured in the best possible way.

MICK AND SONYA Mount Louisa, QLDSonya and I have been a Nexus Client for almost four years and in that time the global economy has been subject to volatile property and share market fluctuations usually ending in negative growth for most investors. The investment strategies Nexus have provided us with have improved our financial position during these challenging times. Having all of our financial contacts in one place has been beneficial. We look forward to maintaining the great professional relationship we currently have with the Nexus staff.

JAMES Sanctuary Cove, QLDWhen I was first introduced to Nexus, I was at a crossroads in my life both personally and professionally. I knew that there were ways to grow my wealth and I had an idea but didn’t have the knowledge. I was afraid of making poor choices and risk scared me. On the first meeting and every meeting after, I feel Nexus truly understand my goals and dreams. They are able to articulate strategy and raise ideas in ways that I can understand. I feel confident in keeping a long term relationship with them.


Acutal client images omitted to protect identities


Expert Property Investment AdviceAll assets should be thoroughly researched and critically evaluated. This is especially true for those looking into Brisbane property invest-ment. One or two mistakes in this area over your lifetime can make an enormous difference to your long-term wealth plan.Building an investment property portfolio is a popular strategy for many Australians. And armed with little more than a loan estimate from the bank manager and a list of properties advertised online, intrepid would-be inves-tors spend their valuable weekends attending auctions and open homes, trying to secure the perfect investment. However, they often pay too much if they let their emotions take over or they tire of the search process, or worse, they settle for second-best after repeatedly “missing out”.

Buying investment property should be all about the numbers!

This is where Nexus Private property advisory group can help with professional property in-vestment advice. Our knowledge of the prop-erty market and analytical capabilities combine to help you make sound investment decisions that are right for your circumstances.

GROWING PERSONAL WEALTHWITH CONNECTED ADVICE

1300 473 347www.nexusprivate.com.au

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