Financial Planning

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Financial Planning

Alman Partners can help you and your family achieve financial security through our tailored financial solutions. Specialising in business and personal financial planning, we can provide you with a high probability of achieving your financial dreams.

Our team has expert knowledge and experience in the following areas:

  • Wealth accumulation & management
  • Tax planning
  • Gearing
  • Finance & loan structures inc. consolidation
  • Redundancy planning
  • Estate planning
  • Cash flow & budgeting
  • Aged Care Advice & Centrelink
  • Asset Protection
Financial Planning - Grow your wealth with Alman Partners, trusted with Financial Planning by residents of Mackay

What is Comprehensive Financial Planning, Fiduciary Advice and Alman Partners’ Approach?

Comprehensive Financial Planning starts with understanding what your most important goals are based on your deepest held values. After all, building wealth is all about the choice to do the things you want to do with the people that are most important to you in your life, we call that True Wealth. The next step is building a plan to get there. That is going to require an in-depth analysis of each area of your finances. This gives us a clear understanding of your current situation and insight into your future goals and aspirations. With this detailed information, we are then able to create a holistic plan that will cover every area of your financial life, highlighting items that need improvement and outlining a path to achieve your True Wealth, whatever that may be.

What do Alman Partners’ Financial Advisers do?

At Alman Partners our Advisers play nuanced roles in our clients’ lives, beginning with understanding their deepest held values around money and clarifying their most important goals, irrespective of what is going on in the world. Our Advisers act as your expert in the field of finance, with our highly qualified team providing client-centric service. They are the independent voice, providing advice that is best for you, not the product provider. They are a listener and teacher, understanding the emotions that inevitably come with financial decisions, and providing education and discipline around markets. They are the architect, constructing long-term plans for a secure financial future. They are the coach, reinforcing investment principles and keeping you on track with your financial plan. And finally, they are the guardian and investment fiduciary of your hard-earned money.

Financial Advice is so much more than a Financial Plan.

What is a Fiduciary Financial Adviser?

A fiduciary financial adviser is an individual who has responsibility for the management of the assets of others. This places them in a special position of confidence, reliance, and trust. Fiduciaries are required to act in the best interests of those they serve and to avoid or properly manage conflicts of interest, whilst maintaining the highest standards.

As an independent firm, we are not licensed through financial product providers, which allows our firm the objectivity to select the most appropriate solutions available market-wide. Holding our own Financial Services Licence (AFSL) gives us greater capacity to put our clients first, effectively removing potential conflicts of interest.

Alman Partners is audited annually by the Centre for Fiduciary Excellence to ensure the highest standards are maintained.

What areas will your financial advice cover?

Our approach is holistic, and our advice will cover everyday life events while planning for your long-term financial security. This may include (depending on your circumstances):

  • Cash Flow Analysis & Budgeting
  • Investment Advice
  • Superannuation Advice
  • Taxation Strategies
  • Loan Structure & Consolidation
  • Asset Protection
  • Gearing
  • Redundancy Planning
  • Retirement & Estate Planning

I only want advice on one area of my finances. Can I still get advice?

An individual’s financial situation can be quite complex, with one area affecting another without even realising it. Think of a puzzle without all the pieces in place, you can’t see the whole picture. Without gaining a complete understanding of your situation one area of your finances may inadvertently be affected by changes to another. Once you have a well-thought-out and documented financial plan the key then is to stick to it, review progress and make any changes that may be required. It is really a life-long journey.

At Alman Partners we do not provide stand-alone advice on any one individual area of your finances. Rather, we are a holistic advice firm providing financial planning solutions across key areas, where relevant to your individual circumstances.

Who should seek Comprehensive Financial Planning?

We believe all Australians should seek Comprehensive Financial Advice. But due to cost or lack of access, it is not always a viable option for everyone. Alman Partners’ Comprehensive Financial Planning is ideal for those with complex financial situations, time-poor professionals, those with minimal debt and a high level of investible assets or those wanting direction on their journey to True Wealth. If you are unsure if this is you, contact our office to discuss your situation with our experienced team.

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