Capstone Financial Advisers are fully trained professional providers of financial advice.
At Capstone, you can expect your adviser to manage your financial plan through life, economic and legislative changes. Your adviser will work with you in reaching your financial goals.

1. Our Approach

2. Quality Solutions

3. The Financial Planning Process

Our Approach

At your initial meeting, your Capstone Financial Adviser will spend time exploring your personal financial position. They will help you identify:

• Your financial and lifestyle goals
• Your attitude to investment risk

With your consent, your Capstone financial planner will then create a personal investment plan (this is referred to as a Statement of Advice). The Statement of Advice will take into account the level of investment risk you are comfortable with as well as your personal goals and investment time frame.In agreement with you, your adviser will then implement the plan.

When developing your financial plan, your Capstone adviser will typically consider a combination of these strategies:

• Superannuation:  contribution and withdrawal advice, Reasonable Benefit Limit considerations as well as potential superannuation opportunities.
• Tax strategies:  income tax and capital gains tax considerations, perhaps potential negative gearing opportunities.
• Asset allocation strategies: reviewing your current portfolio of investments against an agreed benchmark with a mix of assets - shares, property, bonds and cash.
• Risk management strategies: insurance and estate planning considerations to ensure your income and assets are properly protected now and in the future.
• Social Security strategies: maximise your income support entitlements (where appropriate)

After assessing your specific needs and circumstances, your Capstone Financial Adviser may include a range of financial solutions and suggest that you invest with a range of fund managers. Capstone financial advisers may only recommend products approved by the Capstone. Capstone undertakes initial and ongoing research for recommended products and services which meet stringent approval criteria. In addition, our advisers are able to draw upon the skills of our in-house research resources to assist in identifying investments that will help you achieve your goals.

Our advisers are not bound by product quotas but devote time and energy to providing solutions based on your individual circumstances.

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Quality Solutions

Our Financial Advisers are able to assist you on a wide range of issues including:

• Retirement Planning
  Our advisers can assist you in making the most of government incentives available through superannuation and develop strategies that maximise your retirement savings.
• Wealth Creation
  Working with you, our advisers can develop a personalised wealth creation program to help you achieve your financial and lifestyle goals.
• Taxation
  Our advisers can provide you with access to tax, financial and legal to minimise tax burden as well as tax-effective advice.
• Investment
  Our advisers can develop your investment portfolio with investment objectives, strategies, timeframes and risk profiles that are uniquely yours so that you reach your life goals.
• Personal Superannuation
  Superannuation is a great way to save for your retirement. Our advisers can assist you in making the most of superannuation to ensure you achieve retirement goals.
• Small Business Planning
  Our advisers can assist your business with superannuation and insurance planning.
• Corporate Superannuation
  Our advisers can assist employers and employees in making superannuation simple to understand and manage.
• Salary Packaging
  Salary Packaging is a great way to save for your retirement. Our advisers provide advice that helps you increase the value of your total salary through salary packaging.
• Life Insurance
  We work with you to design the right insurance solutions for your specific situation so that you and your family are protected from unexpected life events.
• Income Protection
  Our advisers work with you to design a solution to protect your most important asset - your ability to create wealth.
• Retrenchment and Redundancy
  Our advisers provide advice on making the most of your redundancy payments and superannuation entitlements.
• Centrelink
  Our adviser can assist you in understanding Centrelink benefits and structure your finances so you can maximise on these benefits and reach your retirement lifestyle

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The Financial Planning Process

The financial planning process generally involves the following steps:

1. The collection of your financial data
2. The identification of your goals
3. Pinpointing where you are now and where you want to be
4. Agreeing to a financial plan which identifies recommended investments and addresses your attitude to risk
5.  The implementation of your financial plan (known as a Statement of Advice)
6. A periodic review of your financial plan to ensure it stays up-to-date and relevant to the current economic climate and your changing lifestyle.

Changes in the economy, legislation and your personal circumstances may impact on your plan. To keep your financial plan up-to-date it is recommended to schedule regular reviews. You financial adviser can discuss your needs with you.

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