INSIGHTS WITH EVALESCO
At the start of September, the Evalesco Team flew down to Melbourne for our three-day annual offsite. It was a jam packed few days full of learning opportunities and fun! We kicked off the offsite with a session with Kim Payne of 9rok getting clear on our values. Kim facilitated a fun, interactive session that provided some food for thought around our values as individuals and as a business.
We spent some time at AIA and Praemium’s offices meeting the teams there. It was great to meet team members that we have been working with for years in both companies!
Our second day was spent with our AAN partners, Centaur Financial Services, RFS Advice and Guide Financial discussing changes in the industry and new ideas. The team participated in breakout sessions with their peers from each business discussing technology improvements, time savers and how we can best help our clients. Praemium presented some fascinating research into the coming wave of intergenerational wealth transfer and how we may be able to help our clients in that space. The day ended on a high with a keynote talk from Dr Preeya Alexander who talked us through some healthy habits to introduce to our everyday routines to ensure we are giving our body and minds the best chance at a healthy life!
We can recommend dinner at Cookie in the Melbourne CBD. We spent the evening eating some delicious Thai food and chatting with the other teams with a few drinks, from a very extensive drink list, thrown into the mix.
Our final day was spent reviewing the past year and acknowledging our achievements, recapping on our values and what we had taken out of the past few days.
Our annual offsite is an anticipated occasion every year that brings the team together to celebrate what we are doing well and to encourage new ideas and ways of thinking. After a busy few days, we are excited to be back in the office to start putting into action our new ideas and sharing them with you!
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We believe the true value of financial advice isn’t found in dollars and cents (although this is important too!) but in the peace of mind a financial plan can provide. It’s knowing where you want to go and how to get there, with a dedicated team behind you every step of the way.
We know the impact of good holistic financial advice can make and we have the life experience, technical capability and quality support team that can make that difference for you. We’ve empowered over 1000 families through the delivery of great financial advice, to be healthy, wealthy and happy.
The amount of super you’ll need when you retire depends on your big costs in retirement and the lifestyle you want. The Associate of Superannuation Funds of Australia (ASFA) estimates for a single $44,224 a year and for couples $62,562 a year is how much you may need. This is only an indicator and our advisers assess everyone’s individual circumstances.
The fees we charge for financial advice is only a fraction of the value we derive for our clients, meaning our clients are always better off after seeing us. Rarely do we encounter a new client invested appropriately for their needs, with adequate risk protection, structuring and estate planning provisions in place. Even small tweaks to a financial plan over a long period of time can result in drastically better outcomes for our clients which eclipses the fees of the financial advice. Additionally, you can opt-out of an ongoing fee arrangement at any time.
In our discovery meeting with you our advisers discuss the initial advice fee and the ongoing fees associated with our services.
After our initial phone call to discuss why you are seeking a financial adviser, we arrange a discovery meeting that outlines what is important to you, your current position, our areas of advice, our approach. We then present a Statement of Advice (SoA) to discuss your goals and our recommendations and go through the steps of how to proceed to the implementation stage. After signing the SoA, we discuss your questions, get you to sign the authority to proceed and complete any application forms before implementing the recommendations detailed in the SoA.
One thing to consider is the interest rate on your home loan in comparison to the rate of return on your super fund. Before making a decision, it’s also important to weigh up your stage in life, particularly your age and your appetite for risk. Whatever strategy you choose you’ll need to regularly review your options if you’re making regular voluntary super contributions or extra mortgage repayments. As bank interest rates move and markets fluctuate, the strategy you choose today may be different from the one that is right for you in the future
The information provided on and made available through this website does not constitute financial product advice. The information is of a general nature only and does not take into account your individual objectives, financial situation or needs. It should not be used, relied upon, or treated as a substitute for specific professional advice. We recommend that you obtain your own independent professional advice before making any decision in relation to your particular requirements or circumstances. Evalesco Financial Services do not warrant the accuracy, completeness or currency of the information provided on and made available through this website. Past performance of any product discussed on this website is not indicative of future performance. Copyright © 2019 Evalesco Financial Services. All rights reserved