Wealth Advisory
There is never a better time to start creating wealth than NOW.
You don't need a large lump sum to be able to create wealth. Wealth creation is a process of combining your current resources with investment strategies that will provide sufficient capital to meet your immediate or future capital needs.
At Optima, we can assist you by introducing you to a professional financial advisor who can map your wealth creation strategy.
The Australian investment marketplace is one of the world's most complex and diverse markets.
The Optima team will assist you by providing input on tax-effective structures and general tax planning. Your Optima financial adviser will be able to advise you on what type of asset classes and products may be suitable to your needs in the following areas:
- Managed Funds
- Self-Managed Funds
- Gearing
- Shares
- Salary Sacrifice
- Property
- Fixed Interest
- Tax-Advantaged Investments
When you think about creating wealth, you should ask the following questions.
- What is my investment time frame?
- What do I want to achieve?
- How do I pay less tax?
- Do I understand the risks?
- What are my available resources?
- Will I need access to my investments?
- What return do I need to earn over the long term?
- Where do I go from here?
We listen to your needs and explain the options available to you so that you can decide what will be best to protect you and your family. With so many products available and dozens of options within each investment class, we can offer you professional advice and a full explanation of what protection will best achieve your goals.
Investment Solutions
Taking the premise that your success is our passion, we have chosen to be affiliated with professional services with us on our mission to help you reach your true potential.
Financial Services
GPS Wealth
GPS Wealth is a specialist financial services dealer group offices based in Sydney and Queensland (AFSL 254 544 Australian Credit Licence 254 544). GPS provides best practice tools and resources to accountants, referral partners, financial advisers (risk, lending and planning), and credit representatives to enable the development of profitable and successful business partnerships.
The purpose of GPS Wealth is to adhere to the highest business ethics and place our client's needs as our most important priority by delivering the highest possible quality risk, financial advice, and credit assistance to people throughout Australia.
Their aim is to support and enable financial advisers to provide advice and products that are in the best interests of every client and their circumstances. These are some of the key investment products GPS can help you with.
Asset classes:
- Shares/Equities – A share represents ownership in a company. Public companies trade through a central exchange. Examples include the Australian Securities—Exchange (ASX) Property – Real estate that can be either residential or commercial.
- Bonds/Fixed Interest – A contractual agreement to lend money to a government or company in return for interest and the return of the amount lent (principle) at maturity.
- Cash – Funds available at the call that usually earn interest
- Options – A type of derivative that was initially designed to provide a hedge against the downside risk of shares.
- Futures – A type of derivative providing exposure to many markets worldwide (e.g. commodities, shares, FOREX, livestock).
Optima Financial Wealth Services Pty Ltd is an Authorised Representative of GPS Wealth (AFSL 254 544)
Real Estate Investments
Benefit from over 160 years of real estate experience within the R&W Network and discover how our preferred property partner can help with your residential, commercial and retail property needs.
Even though investing in Australian real estate has traditionally been considered a safe and proven form of creating wealth, the landscape has changed recently. Like any investment, property investment should be based on analytical research. There is no shortage of information available about what investors should do to ensure success, but to get you out of this maze and give you clear direction, R&W is well-equipped with its tools and resources.
Australian Tax System is Favorable to Real Estate Investors:
Negative gearing is a form of financial leverage whereby an investor borrows money to acquire an income-producing investment, and the gross income generated by the investment (at least in the short term) is less than the cost of owning and managing the acquisition, including depreciation and interest charged on the loan. This helps you reduce your annual tax liability.
Our association with R&W can provide all the help required to choose the investment property that suits your needs.
Retirement Planning
Retirement is your most extended holiday, and you must plan for it well in advance. At Optima, retirement strategies are individually tailored to support your nest egg's long-term preservation and growth. A well-constructed plan will help you manage your income effectively, leaving as much as possible invested to grow while using efficient income strategies to fund your desired lifestyle in retirement.
For those who wish to scale back or wind down ultimately, finding the right levels of income and/or savings to sustain you over (and possibly beyond) your expected lifespan is where we come in.
Moment-of-truth questions people ask us in pre-retirement are:
- 'How much do I need to retire for the lifestyle I want & where will my income come from?'
- 'Will I have to keep working for longer than I want?'
- 'When can I retire?'
When you choose Optima to partner with you in retirement planning, you know that we'll cover every component:
- Getting started—a thorough analysis of where you are now and how you'd like to structure the rest of your life. What financial vehicles are right for you?
- Transition to part-time work or full-time retirement
- Savings, tax and debt—how to boost the first and reduce the others progressively
- Super strategies—getting the most from your superannuation over a lifetime, either in a public fund or your own self-managed vehicle
- Investment—cash, fixed interest deposits, shares, red wine? You tell us, and we'll respond with investment thinking attuned to your best long-term interests
- Property—consider your options associated with downsizing the family home and investment properties
- Estate planning—how to reduce stress over the correct handling of your assets when the time comes
- Aged care—planning your options to maximise your quality of living throughout your life.