Our Services
Beresfords provides a comprehensive and holistic range of services for clients within financial planning. Please click on one of the tabs below to learn more about Beresfords holistic range of services:
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Financial Planning
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Beresfords is a leading firm in taking a lifestyle-based holistic approach to financial planning Holistic lifestyle financial planning is an interactive process and involves engaging the client from day one by asking questions that address what they want their money to do and what they want out of life. This means all our clients gain a personal framework for decision making that enables them to make far better financial choices so that they have a sense of control over their financial affairs. Holistic lifestyle financial planning is just financial planning done very well!
A Beresfords Financial Plan facilitates a client's journey through life by ascertaining the financial requirements needed to fund that journey at each stage of their life and the necessary steps to transform their dreams into reality. At Beresfords we will continually expand our range of services and products to meet the wealth creation and life span needs of our clients in a professional yet very personalised manner.
Obtaining our own Dealers Licence in 2008 has enabled us to further tailor ourselves to client individual needs. We always seek the best imaginable outcome for clients to enable them freedom through Strategic Planning.
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Goals and Values
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Whether they are for the short term, medium term or long term, having a clear understanding of your goals and objectives is crucial in financial planning.
As the proverb by Confucius states "What you hold in your mind, you hold in your hand." Beresfords encourages all clients to develop clarity in their personal goals by making them Specific, Measurable, Achievable, Realistic and Time Determined (SMART). Beresfords advisers work with you to simplify and itemise your goals and then create action steps to comfortably reach them within expected timeframes. Clients enjoy peace of mind in seeing their personal lifestyle dreams becoming attainable without any compromise to their value and belief system.
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Resources
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The first step in Financial Planning is to evaluate the resources that you have available today.
Once an extensive analysis has been undertaken a Beresfords Financial Planner examines all strategic options available to maximise their potential to work for you. At Beresfords, it is not important the size of your personal wealth, but rather how you choose to use smart strategic thinking to utilise the best functionality of those resources to achieve your desired lifestyle.
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Risk Management
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Risk Management involves protecting against market risks such as interest rate risk, volatility risk, currency risk or taxation risk to name a few.
Beresfords understand that it incredibly important to protect the assets and lifestyle that you currently have from threats that may jeopardise the quality of life that you deserve. Beresfords assumes that worst case scenarios will take place and factors these assumptions into each personal Financial Plan to ensure that the right strategy is in place and peace of mind is guaranteed.
Simultaneously Risk Management also encapsulates Personal Risk Insurance to assisting or in the event of an accident or illness prevents you from working a major trauma or death of a loved one.
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Structure
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Beresfords advisers excel in understanding Structure. Structure refers to the ownership arrangements of assets and is one of the most neglected and undervalued considerations today.
There are a myriad of options available your name, your partner's name, joint tenants, tenants in common, partnership, family trust, unit trust, hybrid trust, company, super fund, self managed super fund, allocated pension, growth pension, annuities or any combination of these. It is not necessary for you to understand all of these, but your financial planner must. Beresfords advisers are deeply aware of how these make a significant difference to you with respect to wealth accumulation, asset protection, risk management and tax minimisation.
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Investments
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Investments are carefully selected through a systematic, detailed investment process managed and run by Beresfords Asset Management.
Our Investment Committee approves all recommendations made by the Senior Portfolio Manager before these are included in any client portfolios.
To learn more about Beresfords Investment Selection Process, contact a Beresfords Financial Planner today on 1800 688 688
Would you like to receive a copy of our Investment Newsletter? Click here to make a request
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Retirement Planning
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Whether you are 16 or 60 years of age, retirement is not about stopping work but rather setting yourself up financially so that you have the option available not to work.
Ideally, Retirement Planning should begin as early as possible. Beresfords masters in putting into place the right strategy so that you can maximise your freedom to not rely upon an employer for income. Beresfords clients engage our services as early as 20 years out of anticipated retirement to ensure that the right actions are in place to guarantee sufficient funding of a lifestyle you enjoy during the retired stage of life.
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Salary Packaging
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Salary Packaging is where you nominate to have certain benefits paid by your employer from your pre-tax income.
By 'packaging' part of your salary you can potentially reduce the amount of tax that you pay and maximise your net salary. Beresfords is committed to ensuring that each client maximises opportunities that are available to them as an employee to ensure a total solution of their finances is achieved that puts the clients best interests first.
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Taxation Strategies
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Opportunities exist in legislation to structure your income and assets to reduce the amount of taxation you are required to pay.
Beresfords financial planners are experienced in legislation and keep up to date with new developments as they occur. Strategic Taxation planning is uniquely different in execution for each client due to differing family structures, resources and employment. Turn to Beresfords if you feel that you are not efficiently and effectively addressing taxation strategies as you deserve.
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Estate Planning
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Does your Will work to protect your loved ones? Does your Will handle Bankruptcy? Divorce? Asset Protection? Social Security Entitlements? Wealth Transfer? Disability?
Beresfords works with you and your Solicitor to ensure that your estate planning works to achieve what is in your familys best financial interests. Dont let your Will enable you and your family to lose control of what they deserve now and in the future.
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Banking and Finance
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Financial planning should incorporate not only the asset side of the ledger but the debt too.
In developing a strategic plan we consider the appropriate level & structure for debt relevant to your personal circumstances. We will liaise with our Lending Division who can structure your banking & finance needs accordingly. Whether it be a new loan, refinance, lease or hire purchase our private bankers compare hundreds of products from over 30 lenders, saving you time and potentially thousands off your mortgage. Our service aims to make sure the features of the right loan for you, provide a solution to your financial goals.
Let Beresfords take the stress out of dealing with the lending institutions by managing the process for you!
To contact one of our Private Bankers today to meet your lending needs, simply call 1800 688 688
