Financial Planning

Insurance

Do you have a...

Mortgage?
Debts?
Family responsibilities?
Or a lifestyle dependent on your capacity to earn an income?

A YES answer to any of these questions should lead you to explore your need for insurance cover or the suitability of the level of your existing insurance cover.

Our advisers offer advice on products designed to protect you and your family in the event of death, permanent disability and loss of income through illness or accident.

We specialise in providing life, disability and income protection insurance for individuals as well as advice and protection for businesses in the areas of succession planning, key man insurance and superannuation. We are not tied to any one provider and can obtain a range of quotes to best meet your individual requirements.

Retirement Planning

Saving for the golden years of life has become a very serious consideration and many people are beginning to question if their savings are going to be enough to see them through their lives. To help ascertain your need during retirement you need to answer the following questions:

When do you intend to retire?
In other words, how far off is your retirement? Generally the more time you have to accumulate wealth prior to retirement, the better chance you have of actually accumulating enough money when you get to retirement.
How much income would you like to receive in retirement?
The amount of income you would like to receive in retirement has a direct relationship to the amount of capital you will require to have available for investment.
How long do you expect to be in retirement?
This is a question that is very difficult to answer because no-one knows just how long they will live. Naturally the longer you live, the longer your money has to last in order to fund your retirement income needs.
What about the next generation?
Do you intend to have all or a portion of your capital available for distribution to the next generation, or are you willing to allow for your capital to run down during your retirement?
How can I work out what I need for my personal circumstances?
An adviser can help you work out exactly what you need to do to make sure that you are on target for your retirement. By examining your current circumstances, and your objectives in terms of when you would like to retire, a financial planner can develop strategies that will help you to achieve your retirement objectives. The earlier you start, the better placed you will be to achieve your goals.

Product

Financial advisers with Advisers Worldwide Limited are able to service their client’s needs through existing arrangements with offshore product providers. Advisers can offer their clients investment opportunities with, Friends Provident International, Royal Skandia and Generali International Limited. These international investment platforms are specialised to cater for the needs of expatriates, allowing them to maximise their potential financial benefits while living and working overseas.
For Australian expatriates, insurance products are also available through Aviva Australia, Zurich Australia and Comminsure Australia. Advisers Worldwide Limited can provide protection for Australians living and working overseas with specialised Life, Trauma, Total & Permanent Disability and Income Protection products.

What is Financial Planning

Advisers Worldwide Ltd (AWL) takes great pride in assuring the financial advice you receive is always tailored to your needs. To identify your personal financial goals an AWL adviser will take you through a simple step by step process.

Step 1 - Contact:
Make an appointment with an AWL adviser

Step 2 - Your finances and you:
Your AWL adviser can arrange a consultation that allows you to discuss your financial circumstances. Together you will identify where you are now and where you would like to be. We recommend you compile the following documents (listed below) for the initial interview to enable your adviser to obtain a clear understanding of your financial position.

Personal investment details including investment, pension/retirement statements
Potential Tax liabilities
List of liabilities eg - amount and applicable interest rates
Additional assets

Step 3 - Information appraisal:
Your AWL adviser will collect the necessary information to build and customise your new financial plan. Based on the information supplied your adviser will determine your financial position and classify your goals based on your risk profile.

Step 4 - The building blocks:
Your AWL adviser will develop the personalised strategies needed to build and enhance your financial future. This plan, along with formal written recommendations will be presented to you in a Statement of Advice/Proposal.

Step 5 - Perfecting your strategy:
Here you will have the opportunity to discuss the proposal and make sure you are comfortable with the recommendations made by your AWL adviser.

Step 6 - Making it happen:
If you are completely satisfied, your AWL adviser will ask you to sign an 'Authority to Proceed' that formally documents your consent. Your adviser will then implement the agreed recommendations on your behalf.

Step 7 - We are here for you:
You will continue to have full support and assistance from your AWL adviser. Your financial objectives, goals and needs will be revised periodically to maximise the success of your financial wellbeing.