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Simpler, smarter financial choices for a healthy, wealthy, happy life.

ADVICE FOR LIFE’S STAGES

Wherever you are in life’s journey, its a good time to make smart financial decisions.

Identify + Magnify 

Money should expand your
choices, not limit them.

We help make your financial success much easier. Whether you’re struggling with information overload, finding balance between making financial progress and enjoying your lifestyle now, or if you’re just time poor – we’ve got the strategies, tools and tactics to help.

WHAT WE DO IN PARTICULAR

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Building wealth

Our Advisers can help to make your hard-earned dollars grow, while still protecting your nest egg from the fluctuations of financial markets.

Investment strategy
Portfolio management
Sustainable and ethical investing
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You’re no average woman.
Help yourself to the security of more.

On average, women retire with 47% less super than men. Often that’s due to the time women spend looking after others. We think it’s time to let someone help you for a change. Talk to our advisers (female or male) today.

Superannuation strategy
Finance and lending
Building wealth
Tax planning
Wealth protection
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Superannuation strategy

Your superannuation investment involves some of the most important decisions you will ever make. Choosing a fund, getting the investment mix right, making contributions and more. We’ll make the complexities of super seem simple, so you can maximise your nest egg and have the confidence that your future will be just fine.

What are your superannuation goals?
What an appropriate investment strategy looks like?
How much money you wish to retire with?
Can you afford to retire early?
The suitability of investments in assets such as cash, property and shares
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Finance and lending

Let us help find the best financing option for you. We provide unbiased professional advice for individuals and business owners to make the application for finance for development, investment, property or equipment finance as easy as possible

Personal Loans
Residential loans
Investment loans
Debt consolidation
Cashflow management
Refinance
House and land packages
Investment properties
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Tax planning

Our tax and accounting knowledge ensures our financial planning approach is tax focused. You shouldn’t pay more tax than you need to, as less tax means more money to create your dream life.

Maximising your after tax income
Remuneration packaging (salary packaging)
Capital Gains Tax (CGT) management
Investing in shares that offer 100% franked dividends
Borrowing to invest
Small business and capital gains tax exemptions
Generic tax planning advice 
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Wealth Protection

Insurance is the foundation of all financial plans. Our advisers can help you evaluate the risks and come up with the right insurance solution for you and your family.

Business insurance
Income protection
Life insurance
Total & Permanent Disability Insurance
Trauma insurance
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Slide
Building wealth

Our Advisers can help to make your hard-earned dollars grow, while still protecting your nest egg from the fluctuations of financial markets.

Investment strategy
Portfolio management
Sustainable and ethical investing
Slide
You’re no average woman.
Help yourself to the security of more.

On average, women retire with 47% less super than men. Often that’s due to the time women spend looking after others. We think it’s time to let someone help you for a change. Talk to our advisers (female or male) today.

Superannuation strategy
Finance and lending
Building wealth
Tax planning
Wealth protection
Slide
Superannuation strategy

Your superannuation investment involves some of the most important decisions you will ever make. Choosing a fund, getting the investment mix right, making contributions and more. We’ll make the complexities of super seem simple, so you can maximise your nest egg and have the confidence that your future will be just fine.

Review your superannuation goals?
Review or implement an investment strategy?
How much you will need to retire?
Can you afford to retire early?
The suitability of investments in assets such as cash, property and shares
Slide
Finance and lending

Let us help find the best financing option for you. We provide unbiased professional advice for individuals and business owners to make the application for finance for development, investment, property or equipment finance as easy as possible.

Personal Loans
Residential loans
Investment loans
Debt consolidation
Cashflow management
Refinance
House and land packages
Investment properties
Slide
Tax planning

Our tax and accounting knowledge ensures our financial planning approach is tax focused. You shouldn’t pay more tax than you need to, as less tax means more money to create your dream life.

Maximising your after tax income
Remuneration packaging (salary packaging)
Capital Gains Tax (CGT) management
Gearing
Investing in shares that offer 100% franked dividends
Borrowing to invest
Small business and capital gains tax exemptions
Generic tax planning advice 
Slide
Wealth Protection

Insurance is the foundation of all financial plans. Our advisers can help you evaluate the risks and come up with the right insurance solution for you and your family.

Business insurance
Income protection
Life insurance
Total & Permanent Disability Insurance
Trauma insurance
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Estate planning

Planning for the distribution of your estate is a complex but necessary component of your overall financial wellbeing. It requires much more than just preparing a will. In the event of your death, it helps to ensure your wishes are carried out and provides instructions on your health, finances and more, even while you’re living.

Create or review your will
Granting a Power of Attorney
Selecting an Executor
Giving Guardianship
Considering the option of a Family Trust
Selecting a Beneficiary
Protecting what you have
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Wealth Protection

Insurance is the foundation of all financial plans. Our advisers can help you evaluate the risks and come up with the right insurance solution for you and your family.

Life insurance
Total & Permanent Disability Insurance
Trauma insurance
Slide
You’re no average woman.
Help yourself to the security of more.

On average, women retire with 47% less super than men. Often that’s due to the time women spend looking after others. We think it’s time to let someone help you for a change. Talk to our advisers (female or male) today.

Smart superannuation strategy
Tax planning
Wealth protection
Estate planning
Aged Care strategy
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Smart superannuation strategy

Superannuation is likely to become one of your largest assets as you approach retirement. It is important that you understand what you have & where it is invested. We’ll make the complexities of super seem simple, so you can maximise your nest egg and have the confidence that your future in retirement will be just fine.

How much superannuation do I have?
What are my current contributions?
What is my exposure to risk asset?
What should I be invested in?
What is my expected benefit at retirement?
Will I live comfortably on this amount?
Who will help me plan my retirement?
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Tax planning

Our tax and accounting knowledge ensures our financial planning approach is tax focused. You shouldn’t pay more tax than you need to, as less tax means more money to create your dream life.

Maximising your after tax income
Capital Gains Tax (CGT) management
Gearing
Investing in shares that offer 100% franked dividends
Small business and capital gains tax exemptions
Generic tax planning advice 
Making use of rebates and tax rebates
Pension income streams
Post-retirement superannuation contributions
Re-contribution strategy
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Estate planning

Planning for the distribution of your estate is a complex but necessary component of your overall financial wellbeing. It requires much more than just preparing a will. In the event of your death, it helps to ensure your wishes are carried out and provides instructions on your health, finances and more, even while you’re living.

Review your will
Granting a Power of Attorney
Selecting an Executor
Giving Guardianship
Considering the option of a Family Trust
Protecting what you have
Selecting a Beneficiary
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Aged Care Strategy

Our advisers can help you focus on the information and issues that are important to you and your specific financial situation. However, financing aged care can be a very complex issue, and different financial situations will require different strategies as everyone’s personal circumstances are different.
Topics we help with

Negotiating with aged care facilities
Reviewing and planning for any tax implications
Strategies for funding accommodation payments
Maximising Government pensions
Minimising your nursing home fees
Financial modelling of multiple care options
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TALK TO EVALESCO

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“How do you charge for your services?”

In our discovery meeting with you our advisers discuss the initial advice fee and the ongoing fees associated with our services.

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“What is the process for getting our own personal financial plan?”

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.

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“Should I pay more off my mortgage or put more money into super?”

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

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“How do I know how much money I will need to retire?”

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.

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“How do I know Evalesco is the right fit for me?”

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.

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“Why should I pay for financial advice?”

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.

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“How will I measure the value or success of receiving financial advice?”

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.

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Evalesco Financial Services Level 17, 20 Bond Street Sydney NSW 2000
Phone: (02) 9232 6800

Evalesco Financial Services Pty Ltd is a Corporate Authorised Representative (325313) of Australian Advice Network Pty Ltd.

ABN: 13 602 917 297 AFSL: 472901