Financial Services we provide.

Superannuation

 

Your super is your money. db Financial Services can assist in helping you:

  • Choose an account that meets your objectives

  • Provide comparisons of existing funds with others

  • Combining accounts if you have more than one

  • Ensure you are fully informed before making any amendments

Retirement Planning

 

Australians are now living longer and many people want to retire earlier. You need to think about not only when you will retire, but how long your retirement period may be. Superannuation is an effective way to plan for your future. Taxed at a concessional maximum rate of 15%, superannuation provides an excellent means to accumulate wealth over the long term in a very tax effective environment. When compounded over many years, investing within the superannuation environment will make a substantial difference to your retirement lifestyle.

Managed Investments

 

We keep up-to-date with the investment options available using high quality independent research. We combine this knowledge with our understanding of investment markets, economic conditions and your attitude to investing to select investments that are best suited to your needs.

Gearing

 

db Financial Services can help you understand the benefit of borrowing money to invest. Gearing may be used to accelerate the process of wealth creation, it provides the means to make a larger investment than would otherwise be possible.

Cashflow and debt management

 

db Financial services will provide strong support in the development of a successful plan to build wealth, knowing what you are spending to determine your overall financial capacity. As part of this process, it is also important to determine, understand and manage debt.

Personal Risk Insurance

 

We can assist you in selecting the most appropriate insurances and insurance providers to ensure that you and your family are protected in the event of the loss of income, permanent disability or death of yourself or your partner.

Business Protection Insurance

 

Business insurance is specifically designed for your business whether this be self employed, small or large. It ensures that key people, business loans and partnerships are protected against the event of death or total permanent disablement.

Direct Equities

 

Investing in direct equities is a practice that can be very rewarding if done properly but, if done poorly, can be very costly to your financial position. We can assist you in the careful construction and review of your investment portfolio by providing you with full research, portfolio analysis and our considered opinion. We can also provide you with individual stock research and recommendations as you require.

Aged Care

 

Government funded aged care services are available to eligible people. Aged care is the support provided to older people in their own home or in an aged care (nursing) facility. We can assist in helping you find your best aged care service for your circumstances.

Self-managed Superannuation Funds

 

Self managed superannuation funds have become increasingly popular. While establishing an SMSF can provide greater control and flexibility when planning for retirement, they can also have extensive administrative and compliance requirements. We can help you understand whether an SMSF option is suitable for you as we have the appropriate knowledge, experience and back office support to provide advice on this complex area.