The asset allocation of your portfolio determines the returns you can achieve and the level of risk you will face. Appropriate asset allocation will help you grow your wealth, control risk, and minimise tax and the exact allocation depends on your personal objective and stage of life. Asset allocation should be reviewed regularly and should reflect your current circumstances.
Budgeting and cashflow management are an essential part of any wealth creation plan. We work closely with clients to ensure that their budget helps them provide for their family’s existing needs, minimise tax obligations, set aside money for investment and wealth creation, and reduce debt. Our clients are astonished at the impact budget and cashflow management has on their wealth accumulation.
We believe that our clients should be able to access their investment reports and performance data easily and we encourage you to monitor performance and ask questions at any time. Your investment reports including rate-of-return and transaction data are securely stored online and you can access them from your client portal whenever you choose. Our goal is to help clients make informed decisions.
Although the government’s superannuation regulations change rapidly, investing in superannuation is one of the most reliable and effective ways of providing for your retirement. We help you understand the risks and benefits of your strategy and advice you how best to manage your superannuation portfolio to minimise tax, maximise returns, and avoid the harsh penalties which non-compliance incurs.
These are becoming an increasingly popular choice for investors who want more control and flexibility over their superannuation investments. There are many rules concerning SMSFs designed to protect your assets and ensure your retirement. It is important to discuss this option with an experienced and qualified financial planner to determine whether it is the most beneficial choice for your circumstances.
Properly structured, tax-effective investment strategies make a significant difference to your net wealth. It is important that your tax planning takes place in the context of your overall objectives and it is worth discussing this with both your accountant and your financial planner to maximise your long-term growth. There are many potential options you can pursue depending on your individual position.
circumstances and goals. Your personalised wealth creation strategy will include a roadmap for all aspects of your financial future and will ensure that you can look forward to a comfortable retirement without experiencing hardship along the way. We will help you maximise returns,minimise tax, and protect yourself and your family.
Your wealth creation plan is based on the assumption that you will stay healthy and live to a certain age. Risk insurance ensures that you can continue to meet your financial goals even if you are unable to work due to accident or illness, and that your family is taken care of as well. We’ve all seen the impact of injury, illness, or death on others’ circumstances and we encourage our clients to protect against this.
Planning for your retirement reduces the anxiety around whether you will have enough to live comfortably and still enjoy doing the things you love after you retire. There are many aspects to consider in your planning including timing, access to government assistance, tax and superannuation implications and much more. We will help alleviate your worries and plan for all contingencies.
A good estate plan will ensure that ownership and control of your assets passes to your intended beneficiaries, that taxes are minimised, and that everything is handled efficiently. Your estate planning is affected by many life events and involves much more than simply having a valid will. We will advise you on this matter and ensure that your assets are passed on without complication.
Over the years Sigma Wealth has developed strong ties with a range of specialists whom we respect and are happy to refer to our clients. In the event that you require the services of other professionals we would be delighted to make a recommendation to one of our trusted advisors.
"It was reassuring to have Anne Graham and her wonderful team talk me through the various options in such a way that gave me confidence to be able to make informed choices about which way to go. I cannot recommend 'Story Wealth Management' highly enough, for their expertise and attention to detail"
"Had I asked the question, as to what your philosophy is, in respect to attending to my interests, the content of your newsletter is what I would be hoping to hear. Thanks again and my best wishes to Anne Graham and her team in whom I have the fullest confidence."
"Your professionalism and personal approach is important to us as it gives us confidence that your advice is sound and tailored to meet our needs."