WELCOME TO BOUTIQUE WEALTH
Tick off your big life goals, supported by a team of wealth creation specialists
We all have big dreams. Whether you’re hoping to buy your first home, start a family, build a business or retire comfortably, it’s important to have a clear and achievable roadmap to help you get there.
IF YOU'RE MAKING PLANS FOR YOUR FUTURE, FINANCIAL PLANNING AND ADVICE GIVES YOU EXPERT GUIDANCE TO HELP YOU MAKE INFORMED DECISIONS ABOUT YOUR MONEY - STARTING TODAY.
Since 2016, Boutique Wealth has worked alongside clients from all stages of life to develop a strategy they’re excited about.
If you’re looking for top-quality advice, and a long-term relationship with an advisor you can trust, we could be the perfect fit. Our advisors offer a holistic approach to our clients’ finances, working closely with our Accounting team to set a plan in place that works for your lifestyle, family, tax requirements and big life goals.
Your trusted ally in financial planning
We all have big dreams. Whether you’re hoping to buy your first home, start a family, build a business or retire comfortably, it’s important to have a clear and achievable roadmap to help you get there.
IF YOU'RE MAKING PLANS FOR YOUR FUTURE, FINANCIAL PLANNING AND ADVICE GIVES YOU EXPERT GUIDANCE TO HELP YOU MAKE INFORMED DECISIONS ABOUT YOUR MONEY - STARTING TODAY.
Since 2016, Boutique Wealth has worked alongside clients from all stages of life to develop a strategy they’re excited about.
If you’re looking for top-quality advice, and a long-term relationship with an advisor you can trust, we could be the perfect fit. Our advisors offer a holistic approach to our clients’ finances, working closely with our Accounting team to set a plan in place that works for your lifestyle, family, tax requirements and big life goals.
future-proof your life
Our Services
Advisory
Without planning, a goal is just a dream. Our Advisory services help you to create an actionable roadmap to achieving your goals — supported by our expert financial planners every step of the way.
1
Superannuation and retirement
No matter your age, it’s time to start thinking about your retirement. We’ll help you create a plan for retirement that takes into account your lifestyle, assets and plans for your future.
3
Home loans and mortgages
If you own property, it’s essential that your loan is set up so you’re comfortably meeting your repayments, while also taking advantage of any tax benefits available to you. We’ll review your loans to ensure they’re structured correctly and provide you with options to help you save.
2
SMSF
It’s no surprise that Self Managed Super Funds (SMSFs) are one of Australia’s favourite retirement vehicles. Our team of experts can work with our Accounting team to get you set up with an SMSF that offers you choice and flexibility.
4
OUR SERVICES
How We Help You Grow
Home loans and mortgages
If you own property, it’s essential that your loan is set up so you’re comfortably meeting your repayments, while also taking advantage of any tax benefits available to you. We’ll review your loans to ensure they’re structured correctly and provide you with options to help you save.
how it works
Insurance
Whether you’ve just landed your first job, are thinking about starting a family or are working towards retirement, your life can change in a heartbeat. Our insurance advisory service ensures you have the right level of protection to secure your family and assets — no matter what happens.
5
Budgeting
Maintaining a budget is essential when you’re looking to manage your finances. Our team will support you to create an achievable budget, and then provide the support and guidance you need to stick with it.
7
Investments
Ready to start investing? The expert investments team at Boutique can put together a custom plan for you — no matter your goals. We can support you to make a smart and researched investment for your retirement, an inheritance, or a property.
6
how it works
A HOLISTIC APPROACH TO YOUR FINANCES
Our seven-step
advisory process
01
Give us a call
If you’re wondering if financial planning is right for you, we’d love to hear from you. You can submit an online enquiry or jump on the phone with one of our friendly team to ask any questions you have about our financial planning services.
02
We’ll meet up for a free consultation
Everyone’s financial situation is different, and not every person will benefit from financial planning. That’s why we offer a cost and obligation-free initial consultation to see how you’re tracking and give you a clear roadmap for the future.
03
We’ll get a plan in place
If we can see that you’ll benefit from working with us, we’ll start your services by creating a proposal for you to review. This proposal provides you with a clear understanding of how Boutique can support you, with a quote for our services.
04
We’ll start on your financial strategy
Once you’ve agreed to your proposal, we’ll get to work building your financial strategy. This document will comprehensively look at your goals and objectives, review your current financial position and outline the benefits of proceeding with our advice.
05
We’ll present your strategy
After your strategy is complete, we’ll invite you to meet up with our advisors to present your strategy, step by step. We’ll ensure that you understand all our recommendations, outcomes, costs, and get you headed in the right direction — along with answering any questions that arise.
06
We’ll take action
Next, we’ll implement all of our recommendations — getting you completely set up so you’ll be able to start moving forward in the right direction.
07
We’ll actively review your finances
Now that your finances are heading in the right direction, we’ll work with you to ensure it stays this way. We’ll continually monitor your investments, and keep you in the loop with up-to-date market movements. We’ll organise regular review meetings so we can make adjustments as your life circumstances change.
EMPOWERING YOUR WEALTH, SHAPING YOUR FUTURE
We understand your big life goals and create actionable plans to achieve them
There’s a lot of value in getting solid financial advice. At Boutique Wealth, we love working with families, small business owners, retirees and those just starting their corporate careers — clients who have big dreams, and need an actionable plan to get there.
We start our services by understanding exactly what you’d like to achieve. Maybe you’re looking to buy a house. Or starting a family. Or starting a business. No matter where you’re at, it’s essential that you have a team of experts who are cheering you on, while also ensuring you’re completely set up for success.
Our Advisory approach:
Once we’re clear on your goals, we’ll get to work assembling a strategy to get you on the road to achieving them. We’ll be right behind you, monitoring your progress and making updates to your plan as your life circumstances change.
Throughout our journey together, you can be confident that you’re receiving the best advice and plenty of support. And, while we’re offering you ongoing services, you’re always welcome to pick up the phone and give us a call. We’ll run you through your financial position and answer any questions you might have.
TRIMMING YOUR DEBT, BUILDING YOUR WEALTH
Work with us to keep your repayments affordable, and reduce your debt
Interest rates are always changing, which means it’s essential that you’re set up with the best home loan for your unique situation. There are a host of mortgage products on offer, so it pays to have an expert to guide you through your options and help you find the right rate.
At Boutique Wealth, our expert advisors can review your existing loan and ensure it’s structured correctly. Our priority is ensuring that your home loan will be paid off as soon as possible, so we’ll ensure that you can afford to meet your repayments and that your loan is as tax effective as possible.
Getting professional advice on your home loan
When we provide you with home loan and mortgage advice, we’ll take into account your personal situation, before we begin looking at different options. We understand that every client has different needs when it comes to paying off their loan, and some lenders are a better choice than others.
If you’re self-employed, you may have found it difficult to get a new loan, or switch lenders. At Boutique, we specialise in working with small business owners to secure finance for a new home, by working collectively with our accounting team, Boutique Accounting House, to achieve the desired result.
PREPARE TODAY, ENJOY TOMORROW
Prepare for a comfortable future with our specialised financial advice
Retirement can be a stressful stage to think about, so many of our clients delay seeking financial advice and preparing for their future. However, it’s never too early to start thinking about retirement. If you’re proactive and set goals early, you’ll be in a much better position to retire — armed with knowledge about your assets and ready to enjoy this new phase of your life.
At Boutique Wealth, we don’t create set-and-forget retirement strategies. We understand that there are a number of solid plans that you can put in place to support you throughout your retirement. That’s why we work with you to understand your lifestyle (and the life you’d like to lead in retirement) before we begin making plans.
Our approach to superannuation and retirement planning:
Once we’re confident that we understand your goals, we’ll review your superannuation to ensure your fund is the best fit for you. From there, we’ll see if there is a gap between your existing assets, your expected pension and the assets you’ll need to retire comfortably.
We’ll model different scenarios, based on different solutions so that you can determine the best course of action to prepare for retirement. From there, we’ll help you get set up for success, which could include investing more into your superannuation, or setting up a Self Managed Super Fund.YOUR RETIREMENT, YOUR RULES
Take control of your financial future with tailored SMSF advice
It’s no secret that Self Managed Super Funds (or SMSFs) are one of Australia’s favourite retirement vehicles. They offer you a great deal of control and flexibility over your superannuation funds, while also providing you with a host of tax benefits.
No matter how you’d like your SMSF structured, our Wealth advisors can provide you with the right advice to structure your fund effectively. Whether you’re looking to invest your superannuation into property, the stock market, or a mix of both, our SMSF strategies are created specifically for your situation. We’ll ensure you’re completely across your obligations and responsibilities so that you can weigh up whether an SMSF is the right option for you.
SMSF establishment with Boutique Accounting House
If you’re looking to set up an SMSF, you’ll need a whole team of experts on board to ensure it’s established correctly. Our Boutique Accounting team will work together with our Wealth advisors to ensure everything has been addressed and get you ready to go with a Statement of Advice (SOA) and your SMSF structure.
This aligned, simplified approach ensures that your SMSF can be up and running more efficiently, as you’ll work with one unified team. From there, you’ll be able to contact Boutique with any questions or concerns, and experience the benefits of working with an Accounting and Wealth team — all under one roof.
PLAN AHEAD, PROTECT YOUR LOVED ONES
Protecting you and your family from the unexpected
It’s an unfortunate fact of life: no matter what phase you’re in — whether you’ve just landed your first job or if you’re working towards retirement — your whole world can change in a heartbeat. The backbone of financial advice is providing stability and protection for you, your family and your business in the event that illness or an accident occurs.
Boutique Wealth works closely with you to ensure that your specific insurance requirements are covered. We’ll run you through all the details so that you’re comfortable with your level of cover, and completely understand the insurance products that we recommend.
Our approach to insurance:
When we compare products and structure your premiums, we look at a number of factors before we advise you on specific insurance cover.
Options include:
-
Life Insurance
-
Total Permanent Disablement Insurance (TPD)
-
Income Protection Insurance
-
Trauma Insurance
-
Key Person cover
We’ll ensure that your premiums are structured in a way that is affordable and tax effective. Once you’ve chosen your insurance and levels of cover, we’ll work with you to ensure your insurance is active as quickly as possible, while also cancelling all unnecessary policies. We’ll also review your policies on an ongoing basis to ensure you’re receiving the right amount of cover as your life changes.
-
INVEST WISELY, REAP REWARDS
Specialised investment advice that work towards your big life goals
When it comes to investing, it can be hard to know where to start. Whether you’re planning for your retirement, investing an inheritance or purchasing an investment property, it’s a great idea to seek expert advice to get you on your way.
Our expert advisors can analyse your situation and provide you with a number of investment options that are tailored to your age, risk tolerance and big life goals. Once we understand where you’d like your money invested, we can set you up with ongoing advice so you’re always in the loop about your financial position.
Our approach to investing:
At Boutique Wealth, we understand that every investment operates in different cycles, with different risk characteristics. For this reason, our team stays up to date on all market conditions so that we can provide you with the most recent and relevant advice. We’ll structure your investments to reduce your tax while also planning for the best return on your money.
We offer advice on a wide range of investments to suit different requirements.
Our investment services include:
-
Term deposits
-
Managed funds
-
Shares
-
Property
-
Superannuation
Our investment clients often pair their initial investment strategy with ongoing Advisory services for peace of mind as the real estate and stock markets fluctuate. We’ll keep an eye on the market for you, so you can feel confident you’re investing at the right time. You’ll have the ability to call us whenever you’d like and ask our team questions to make sure you’re across all of your investments.
-
BUDGET SMART, LIVE BETTER
Stay in control of your finance with tailored budgeting support
The first rule of finance is maintaining a budget. Whether you’re saving for your first home, planning for your future or trying to pay off credit card debt, it’s essential that you’re set up with an attainable budget that helps you live within your means.
At Boutique Wealth, we take our budgeting support one step further, as we help our customers to set big life goals, and then structure their finances accordingly. We’ll provide you with strategies that ensure you’re not only sticking to your budget, but progressively pushing towards your financial goals.
Our approach to budgeting:
When you work with Boutique, we’ll start by reducing your largest sources of debt — usually, your home loan. Our goal is to ensure your most valuable asset is paid off as quickly as possible, with the lowest mortgage repayments possible.
From there, we’ll create a budget that fits in with your lifestyle. We believe that effective budgeting isn’t about simply cutting all your expenses — it’s about finding small tweaks that can make a big difference to your bank balance at the end of the month. Once you’ve set your budget, we’ll be your accountability partner, keeping you in check and ensuring that your budget is working for you as your life circumstances change.
SOLUTIONS TAILORED TO YOU
A HOLISTIC APPROACH TO YOUR FINANCES
Our seven-step
advisory process
01
Give us a call
If you’re wondering if financial planning is right for you, we’d love to hear from you. You can submit an online enquiry or jump on the phone with one of our friendly team to ask any questions you have about our financial planning services.
02
We’ll meet up for a free consultation
Everyone’s financial situation is different, and not every person will benefit from financial planning. That’s why we offer a cost and obligation-free initial consultation to see how you’re tracking and give you a clear roadmap for the future.
03
We’ll get a plan in place
If we can see that you’ll benefit from working with us, we’ll start your services by creating a proposal for you to review. This proposal provides you with a clear understanding of how Boutique can support you, with a quote for our services.
04
We’ll start on your financial strategy
Once you’ve agreed to your proposal, we’ll get to work building your financial strategy. This document will comprehensively look at your goals and objectives, review your current financial position and outline the benefits of proceeding with our advice.
05
We’ll present your strategy
After your strategy is complete, we’ll invite you to meet up with our advisors to present your strategy, step by step. We’ll ensure that you understand all our recommendations, outcomes, costs, and get you headed in the right direction — along with answering any questions that arise.
06
We’ll take action!
Next, we’ll implement all of our recommendations — getting you completely set up so you’ll be able to start moving forward in the right direction.
07
We’ll actively review your finances
Now that your finances are heading in the right direction, we’ll work with you to ensure it stays this way. We’ll continually monitor your investments, and keep you in the loop with up-to-date market movements. We’ll organise regular review meetings so we can make adjustments as your life circumstances change.
Why Choose Boutique Wealth?
We offer a customised approach
No matter your life stage, you can feel confident knowing that our advice is all structured to benefit you. We’ll explore your current lifestyle, your risk tolerance, and goals for your future in order to create an actionable and realistic plan.
We work as a cohesive team
The Boutique Accounting and Boutique Crea