Our Services

Portfolio Management

Ongoing monitoring and review are essential for any investment or wealth creation program. Our approach utilizes exclusive modeling and economic analysis to maximize returns while minimizing risks. This proactive strategy allows us to manage portfolios dynamically rather than reacting to market events passively.

The key components of our system include:

• Utilising economic data to guide asset allocation recommendations.
• Accessing a comprehensive database with over 3,000 investment products.
• Conducting technical analysis on managed funds and individual stocks.
• Rebalancing portfolios based on shifts in economic fundamentals, ensuring tactical adjustments when necessary.

Cornerstone Wealth Advisers uses Investum, a portfolio monitoring platform, to manage individually managed accounts. This platform helps rebalance portfolios efficiently and streamline administrative tasks.

For more information, please visit https://investum.com.au or contact our office.

Tax Planning

At Cornerstone Wealth Advisers, we design customised financial plans using structures that provide financial flexibility, tax efficiency, and capital protection. Our experienced advisors collaborate with your tax professional to recommend effective tax planning strategies.

These strategies may include:

• Income splitting
• Gearing
• Utilising trust structures (e.g., unit trusts, family trusts, testamentary trusts)
• Leveraging investment vehicles like private companies or self-managed superannuation funds (SMSFs).

Wealth Creation

Wealth creation is a continuous journey, not a single event. It involves developing a deeper understanding of how to build and grow value over time while positioning yourself for lasting financial impact. This process includes enhancing your financial awareness, gaining the necessary education, and making informed decisions that contribute to long-term success.

Starting the wealth creation process from where you are now is key. There’s no need to wait for a “perfect” moment. By taking small, consistent steps and being patient with the process, you can build a solid foundation for future wealth. This journey emphasizes time, disciplined investing, and sound financial strategies that align with your goals.

Wealth creation is about more than just accumulating money; it’s about creating a legacy, achieving financial independence, and having the flexibility to make meaningful life choices. The process involves balancing risk and opportunity, managing resources efficiently, and staying adaptable as circumstances change. By committing to this journey and remaining patient, you’ll put yourself on the path to financial security and long-term prosperity.

Superannuation and SMSFs

Superannuation is vital for securing the retirement of all Australians, and there are several benefits to investing in superannuation assets:

• Concessional tax treatment
• Ideal savings vehicle for retirement
• Insurance benefits attached
• Government co-contribution incentives

There are five main types of superannuation funds:

1. Industry superannuation funds
2. Retail superannuation funds
3. Corporate superannuation funds
4. Public Sector funds
5. Self-Managed Superannuation Funds (SMSF)

SMSFs are the fastest-growing segment of the superannuation industry.

Are you looking to simplify and reduce the costs of your super while gaining greater control over your financial retirement and lifestyle goals? Cornerstone Wealth Advisers can offer SMSF as an effective alternative to Retail and Industry superannuation funds, working alongside your SMSF administrator or accountant.

At Cornerstone Wealth Advisers, we are dedicated to delivering an efficient, first-class platform for the establishment and administration of SMSFs, giving you control over your retirement savings and enabling you to focus on what truly matters – your retirement goals.

Personal Insurance Advice

As you progress through life, enjoying your current lifestyle and working towards future financial goals, it’s crucial to consider potential risks and plan for unforeseen events. At Cornerstone Wealth Advisers, we offer expert advice to help you manage these risks and develop strategies to stay on track with your financial objectives.

We assist in creating contingency plans, which can be reviewed annually, by:

• Assessing your overall risks and potential contingencies
• Offering a variety of insurance options tailored to your specific needs

This risk assessment takes into account your:

• Financial situation
• Assets
• Liabilities
• Income
• Current lifestyle costs

After this evaluation, you can decide how much of the risk, if any, you’d like to transfer to an insurance provider.

Cornerstone Wealth Advisers evaluates the suitability of various insurance options, including Life Insurance, Total and Permanent Disablement (TPD) cover, Trauma Insurance, and Income Protection, to ensure your coverage meets your needs.

A financial adviser is like a navigator who helps you chart a course towards financial success.

– Unknown