At GNS Group we like to think of ourselves as your local financial planner. With over 50 years experience in the Ivanhoe area, we’ve seen many businesses – and individuals – come and go, build their wealth and go through the natural ups and downs of life.
As a trusted local financial planning resource, the team at GNS Group won’t just offer you an off-the-shelf solution because it is the easiest option. Every situation is different for each person. Single, married, families, retirees, business owners – whatever your situation, one of our financial planners will sit down with you to discuss what is unique to you, and how we can work with you to maximise your financial position.
Our primary objective as your trusted financial planner is to manage the risk associated with growing your wealth portfolio as you move through the various stages of your working, and family life. If unfortunate circumstances should befall you, and you are involved in an accident or become unwell, it is important that your financial affairs (not to mention your personal insurances) are in order to minimise the impact such an even could have on your life, and your family’s life.
The areas of finance that we cover in depth with you during our initial discussions when you are considering GNS Group as your trusted financial planner are as follows.
Risk Management
We can manage your financial portfolio based on the level of risk you prefer to invest with. Our investment can deliver results for conservative, moderate and aggressive strategies across a diverse range of investment options that will suit your preferred outcomes
Insurance Planning
Home and content insurance, car insurance, boat insurance – we are far more likely to insure our ‘material goods’ than our ourselves. GNS Group offers advice on all forms of personal insurance, including life insurance, income protection and trauma insurance. It is not uncommon for our clients to opt for all three of these personal insurances because this ensures that their wealth, and their lifestyles are protected in the event they are injured, become medically unfit to work or die unexpectedly.
Retirement Planning
Retirement is not as simple as it once was and many people approaching an eligible retirement age (this will be 65.5 years old as of July 2018) are not actually in a financially viable position to retire. There are a couple of factors that contribute to this. The first being the rise of the cost of living in Australia, Ivanhoe being no exception, has increased dramatically over the last decade. Generally speaking, we are living longer as individuals. The life expectancy for both men and women continues to approach the mid 80’s as an average. What this means is that there is effectively less money available to retirees in their superannuation, savings and personal equity to sustain their lifestyle for 20 years after their retirement until their death. The money in these funds also does not “go” as far as it once did because of the higher costs of living. Ensuring your finances are in order for your retirement is something that our financial planners are here for.
Cash Flow Management
Daily cash flow management is critical to maintaining good health. Stress has been shown to be a major factor in our mental and physical well-being. There is no bigger contributor to stress in your life than monetary worries. Bills need to be paid. School fees need to be paid. Mortgages need to be paid. Groceries need to be purchased. You should also be saving in the event something unexpected comes along. A financial planner at GNS Group can help you determine the best budget for your lifestyle so you can be confident that your day-to-day cash flow is taken care of.
Today, more than ever, looking after your personal wealth and managing your finances correctly is critical, as is selecting the right financial planner. Ivanhoe, like most of Melbourne’s inner eastern suburbs, is made up of a diverse range of businesses and individuals all requiring different solutions to suit those needs. At GNS Group, it is our responsibility to provide you with those solutions. Contact us today to setup a zero-obligation chat about your financial situation.
Tax Planning
Death and taxes. These are the two certainties in life. We are the local experts at looking after the tax planning for many local businesses and individuals that live, or work in, the Ivanhoe area. Our objective is simple, to provide you with the best export tax advice and strategy so you do not pay more tax than you’re legally supposed to. This might involve setting up family trusts, or any number of tax minimisation strategies. Our team of tax specialists at GNS Group know the tax system inside out and back to front and will find the most efficient way for you to manage your tax so only pay what you should.
