We provide tailored financial planning advice, which can mean different things to different people. We provide assistance solving your financial problems, understanding the basics of superannuation, creating a transition to retirement strategy, tax effective investment planning, estate planning and aged care and giving you the freedom to do the things you want.
We can help you put into place strategies that will maximise tax effective savings and investments designed to provide you with an income both pre and post retirement. We can assist you to get the most from Centrelink benefits whilst taking advantage of a tax free income from your personal Allocated Pension Fund.
Our range of retails super products and Self Managed Super Funds allow clients to gain an increased level of control over their superannuation savings. Investments such as direct shares listed on the Australian and overseas stock exchanges, property and managed funds are able to be held.
Our specialist Superannuation advisers can assist in building investments within superannuation that meet your long term objectives. We will manage all corporate actions and participate in new share issues as appropriate for your investment portfolio.
With so many options available, deciding where to invest your money can be a daunting task. At Oracle we ensure all recommended investments have been run through a strict quantitative and quality screening process to find high quality investments that display strong growth opportunities.
We offer a broad suite of actively managed portfolio’s, removing the stress from the investing process. Our portfolio options include Australian shares, international shares and corporate bond portfolio’s. Your adviser will work with you to determine your risk profile and then set a framework by which your portfolio will be managed. Unlike managed funds you have absolute transparency to view exactly what you own at any time and receive the tax benefit of franking credits (tax credits from Australian companies). See Oracle Investment Management.
Life insurance is the protection of the financial assets and future way of life for an individual and those who are financially dependent on them.
Life insurance needs to be carefully planned. At Oracle we will examine your real needs to determine the sum insured requirement based on such factors as debt levels, children’s living and education expenses. We provide advice on the following types of life insurance:
- Life Insurance
- Income Protection Insurance
- Total Permanent Disablement Insurance
We will also assist in determining the appropriate ownership structure for the policy.
At Oracle we provide a free, no obligation meeting with executors of deceased estates. We can help take the hassle out of transferring the value of the estate’s listed shares over to the beneficiaries.
managed portfolio service
Oracle provides a full portfolio administration service whereby we will provide recommendations for your investment portfolio, with the client making the decision on which investments are bought or sold. All administration of this portfolio is provided by the Oracle Managed Portfolio Service including full online access, quarterly portfolio reports and annual taxation statements.