Corporate Profile 2015 WINNER 2015 WINNER #58. Investors Choice Financial Adviser. BRW Fast Starters

Transcription

1 Corporate Profile Investors Choice Financial Adviser 2015 WINNER BRW Fast Starters 2015 WINNER #58

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3 CONTENTS 4 Managing Director s Message 6 About Us 8 Our Directors 14 Our Client Approach 16 Our Services 19 SP Access: Self Managed Super 23 SP Financial: Financial Planning 27 SP Finance: Finance 31 SP Select: investment Property 34 Key Milestones & Awards

4 MANAGING DIRECTOR S MESSAGE Nothing upsets me more than seeing people buy terrible investment properties and it not working out for them. At Superannuation Property, our aim is to provide clients with the opportunity to retire earlier, by increasing their personal wealth to a level they never even thought possible. Seeing a shortfall in the market, I established Superannuation Property so everyday Australians could access a full range of cost-effective end-to-end solutions under the one roof, to create wealth through their superannuation portfolio with property investment. Our investment committee include some of Australia s leading property specialists, ensuring clients have access to the highest-performing property opportunities and locations. In addition to SMSF set-up, compliance and accounting, we also provide financial planning and related services, finance and finance broking. When clients buy a property from us, the most important outcome is that it does what we say it s going to do. That means it is valued on the dollar according to the contract price, it is rented immediately at the price we said it would, and the expectation on growth is realised within the initial three-year period. Since Superannuation Property s beginnings, our clients have genuinely experienced capital growth on every property purchase, with the properties tenanted 90% before settlement. In many cases, clients have seen a return within three years, often delivering their deposit costs back to them. Dylan Crowe, Managing Director 4 superannuationproperty.com

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6 SUPERANNUATION PROPERTY About Us Superannuation Property is the largest financial planning organisation in Australia to primarily focus on property investment within selfmanaged superannuation funds (SMSFs). We support and educate our clients to build wealth via their superannuation while minimising risk, and create a future where they are not only comfortable with the idea of retirement, but excited. Mission Our mission is to improve our clients lifestyles through well-researched investment choices. We do this by listening to and understanding our clients goals, then executing a clearly-defined financial plan with results-based recommendations. Vision Our vision is to be the adviser of choice for everyday Australians who want to proactively take charge of their superannuation investments so they can confidently and comfortably approach retirement. 6 superannuationproperty.com

7 We are licenced to give advice in superannuation, wealth creation, taxation and transition to retirement (TTR), and are supported by strong partnerships with major property developers, financial advisors, brokers, accounting firms, law firms and 28 lenders nationally. As an industry leader in end-to-end solutions for the purchase of direct property inside superannuation, we manage hundreds of SMSFs, and have helped over 700 Australians set up an SMSF and buy property. The Australian Superannuation scheme has been a core focus of our government and finance sectors for decades, and now the potential for reduced-taxed income in retirement is available with direct property. As a true financial partner, we can show you how to benefit from this opportunity. superannuationproperty.com 7

8 Our Directors Dylan Crowe Managing Director Dylan has been working in the superannuation and investment property industry as an educator, adviser and economist for over a decade. Dylan s childhood was immersed in investment property and his businesses now reflect his passion and expansive knowledge of the market. His array of skills extends from overseeing the self-managed super fund division, educating developers on crucial investor needs and sustainable development, to financial planning and guiding his extensive investor base to suitable investment properties. Dylan has a highly regarded voice within the investment property industry for both industry professionals and investors. 8 superannuationproperty.com

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10 Jonathan McCullough Financial Planning Director Jonathan has been working in financial planning for the better half of a decade. He has an Advanced Diploma in Financial Planning, and is an accredited adviser with the SMSF Professionals Association of Australia. Jonathan is passionate about helping everyday Australians plan for the future and build wealth through effective investments, while also prioritising a fun lifestyle. 10 superannuationproperty.com

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12 Tim Fowler Property Director Tim is one of Brisbane s leading property coaches. He strives to educate property investors on economic growth locations, gearing property investments and best strategies to build an investment property portfolio. He has a one-track mind for success in a rapidly changing property market. Tim s focus is providing guidance and support for our clients with a proven ability to liaise, negotiate and influence with a single vision of success. His main objectives are maintaining a strong customer service focus, meeting and exceeding our client s expectations, while upholding the values of Superannuation Property. 12 superannuationproperty.com

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14 Our Client Approach Our clients are everyday Australians who want to take control of their superannuation. We help them navigate the complex regulatory system of direct property ownership within an SMSF. Superannuation Property s client base also extends to major property developers, financial advisors, accountants and finance professionals. 14 superannuationproperty.com

15 1 Discussion, Fact Find and Review 2 Strategy Construction Superannuation solutions. Personal and wealth protection. TTR and retirement planning. Wealth creation and tax reduction. Mortgage and lending solutions. 3 Preparation Gathering information on your current financial situation and budget. What you want to achieve identifying your goals. Your approach to investing understanding your risk profile. Identifying other issues that may be relevant in the context of providing you with financial services. 4 Presentation Financial plan presentation known as a Statement of Advice (SOA). Educational information to explain strategy and investment concepts contained in the SOA. Explanation of features, benefits, risks and product specific costs, fees and charges, through Product Disclosure Statement (PDSs), or other disclosure documents. 5 Implementation Setting up new or transferring existing investments and structures. Assisting you in establishing margin loan facilities. Establishing an SMSF. Consolidating or rolling over your superannuation accounts. Establishing regular investment or superannuation contributions. Establishing insurance policies. superannuationproperty.com 15

16 Our Services SP Access: Self Managed Super SP Financial: Financial Planning SP Finance: Finance SP Select: Investment Property 16 superannuationproperty.com

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18 SP ACCESS: SELF MANAGED SUPER We get excited about superannuation SMSF establishment and bare trust specialists Zero out of pocket expenses Real-time tax estimation compliance and automated bank processing Smart phone technology to view your portfolio 24/7 Complete document management Self-managed superannuation funds (SMSFs) allow everyday Australians to take control of their superannuation investments and retirement planning. Establishing and administering SMSFs are our specialty, especially for the purposes of direct property investment. 18 superannuationproperty.com

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20 SP ACCESS: SELF MANAGED SUPER - Services Self-Managed Superannuation Fund Establishment: The services we provide include: Arranging for the production of a self-managed superannuation trust deed. If appropriate, arranging for the replacement of the existing trust deed for the SMSF with a Superannuation Property self-managed superannuation trust deed. Opening accounts for the SMSF with the bank and stockbroker nominated in the client s application. Applying for the ABN and TFN as required on behalf of the Trustee. Bare Trust - Limited Recourse Borrowing Arrangement (LRBA): Borrowing in a super fund is tricky business. Super funds need to satisfy the legislative, ATO and lender requirements, as well as meet stamp duty exemptions for your local state revenue office. You also need to watch you don t get caught out with capital gains tax (CGT) on the transfer of the property. We provide peace of mind when it comes to borrowing to invest with your super. Our team carefully reviews each borrowing transaction, ensuring the documentation you receive is compliant, not only with the S67A legislation, but with the ATO and lender requirements. 20 superannuationproperty.com

21 Real-Time SMSF Administration Software: We purpose-built our own SMSF software as part of our taxation, audit and compliance service, so clients have real-time access to their fund s administration. All of your fund s information, including current withdrawal benefits, is available online 24/7: Access real-time valuations of investments, including rental income and property expenses. The taxation liability of the fund and its members is always available Daily processing of bank account and broker transactions. Built-in compliance management to assist you in staying on the right side of legislation. Information at your fingertips for lodgment of your SMSF s annual return or audit. Daily pricing of ASX listed shares and over 8,000 Australian managed funds. Capital Gains Tax optimisation, including automatic parcel selection: FIFO, LIFO, MIN, and MAX. Templates for all required documentation (including minutes, member and trustee letters). Comprehensive contribution caps management and position reporting. Automated investment review and strategy documentation. superannuationproperty.com 21

22 SP FINANCIAL: FINANCIAL PLANNING An approach that is results-based and genuine Superannuation solutions Personal and wealth protection TTR and retirement planning Wealth creation and tax reduction Mortgage and lending solutions Our financial planning division, SP Financial, is a holistic financial advice firm providing assistance to help build a wealth creation strategy for your retirement. Licensed by FinancialLink Group, one of the largest advisory networks in Australia, SP Financial has access to a large range of insurers and investment platforms. Our goal is to ensure each client receives tailored financial advice around the protection of family and assets whilst maximising any government and tax benefits, with the ultimate goal of helping each client retire with more. 22 superannuationproperty.com

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24 SP FINANCIAL: FINANCIAL PLANNING - Services We consolidate superannuation, transfer superannuation into SMSF, plus provide strategic advice for direct property inside superannuation. We also consider family and asset protection, plus ways to help you reduce your tax in preparation for retirement. We provide an ongoing advice service, engaging with clients at least annually to review goals, protection needs, changes in legislation and to implement new strategies, taking full advantage of any available retirement and taxation benefits. Superannuation Find lost superannuation Consolidate multiple superannuation funds Direct property investment inside an SMSF Investment of your superannuation funds for retirement Personal and Wealth Protection: Protect your family against debt Preserve your income and health Safeguard your retirement Wealth Creation and Tax Reduction: Build a diversified portfolio Increasing wealth through tax effective structures General investment advice over major asset classes TTR and Retirement Planning: Build your superannuation while reducing your tax liabilities Safeguard retirement savings in a tax-free framework Estate planning, covering Wills and Estate tax liability 24 superannuationproperty.com

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26 SP FINANCE: FINANCE Loans tailored to your financial situation Research the mortgage market for the best lending solutions Deal direct with lenders from application to settlement One-on-on advice Ongoing reviews Whether you are buying an investment property, looking to refinance, to access improved loan features or wanting to invest into SMSF property, we can help you. We conduct loan comparisons, analyse fees, features, costs, repayments and find the most competitive deal for your financial situation. Not only are our brokers fully accredited and industry qualified, but they work hand in hand with Superannuation Property financial planners and property coaches, to ensure the mortgage package is tailored to your investment strategy and financial situation. 26 superannuationproperty.com

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28 SP FINANCE: FINANCE - Services Review your home loan to learn if you can consolidate all your debts into one easy to manage loan, with a simplistic repayment plan. Find out if there are more competitive interest rates available, or if the bank you are now with can offer you a better deal. Let us do all the research and paperwork so you can relax, knowing experts are doing the legwork for you. We offer guidance and support each step of the way once you decide to apply. Finance and Lending Solutions: SMSF residential and commercial lending Investment loans Construction lending Traditional mortgage lending and debt consolidation Direct access to over 28 lenders nationwide 28 superannuationproperty.com

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30 SP SELECT: INVESTMENT PROPERTY We are passionate about property research Investment graded AAA property solutions National property network Independent research and analysis One to One property advice Property portfolio management Contract management We take location sourcing very seriously, and have one of the most detailed project review processes in Australia. Our client-centric property model allows for AAA rated property projects defined by a series of market indicators, to ensure long-term capital growth and the highest net yield for retirement benefits. Our policy is to only sell up to 30% of any one project, and we will do work in projects that have more than 50 lots per project. We have recommended to our clients a range of dwelling types; apartments, townhouses and house and land packages, but we do not sell high density projects in inner city marketplaces. The property projects we have sold to date are listed on our website, with the date we started selling them and the returns achieved. These can be viewed at: 30 superannuationproperty.com

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32 SP SELECT: INVESTMENT PROPERTY - Services Property Rating Analysis Strict Economic Property Fundamentals Rental analysis and cash-flow projections for SMSF compliance (PIA) Independent Valuations National Property Network Contract and Settlement Concierge Property Portfolio review Our Process First, we look for growth markets and confirm the key economic indicators of the market, and. We detail these findings in our Location Reports, which are freely available on our website. They outline specifics of the location, overview of available properties, property economics, infrastructure projects, and the outlook for the future. Once we have identified a growth market, we then begin the process of project profiling. Superannuation Property provides a project report on each project and a mortgage security valuation. 32 superannuationproperty.com

33 Property Research Committee Superannuation Property s property research committee offers due diligence solutions to referral clients, property developers, property firms, superannuation funds and to private clients. With most information and property research data in the marketplace being statistically flawed and inaccurate, Superannuation Property s investment committee have the ability to research market data with far greater accuracy, and identify trends based on current and future core fundamentals. Apart from its own analysis and detailed ongoing market research, which includes sophisticated market levers and flags, Superannuation Property derives the latest research from a myriad of sources including Real Estate Institutes of Queensland and Australia, Australian Property Monitors, Property Council Of Australia, Reserve Bank of Australia, Domain, Urban Development Institute Of Australia, local authorities and councils, RP Data, infrastructure plans, QLD State Government, Price Finder and industry bodies and publications. superannuationproperty.com 33

34 Key Milestones & Awards 2012 Dylan Crowe, Jonathan McCullough and Tim Fowler join to establish Superannuation Property Managing Director, Dylan Crowe is a Finalist in the Brisbane Young Entrepreneur of Year Award We expand to 15 staff, and move to our larger head office premises in Newstead, Queensland Superannuation Property was named Queensland Best Financial Advisers in the Investors Choice Financial Adviser Awards, and Australia s 58th Fastest Growing Business in the BRW 2015 Fast Starters Awards By mid-2016, Superannuation Property has grown to 25 employees and helped over 700 Australians setup and SMSF and buy property. 34 superannuationproperty.com

35 250 houses for Australian families Over $3 million in rental income achieved for our clients 7,500m2 of housing sold Over $36 million in finance achieved for our clients superannuationproperty.com 35

36 Arrange a FREE consultation with our experts today Simply call us on , or info@superannuationproperty.com Helping everyday Australians invest in property within Head Office: Post: Contact: superannuation. Level 1, 18 Masters St GPO Box 2291 Phone: 1300 URetire ( ) Newstead QLD 4006 Brisbane QLD 4001 Fax: info@superannuationproperty.com Web: