True freedom is the ability to choose how you live your life

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1 True freedom is the ability to choose how you live your life primepartners.com.au

2 We help you predict your future by helping you create it.

3 Prime Partners was established in July 2006 following a merger of accounting practice Power Hansen and financial planning company, McCosker Dunstan. The primary purpose of the merge was to combine the experience and expertise from each field to be able to offer our clients a fully integrated solution for all their financial needs. Our staff undertake regular training to ensure they are up-to-date with regulatory and industry changes, in order to provide the highest level of service and information in all areas of financial services. We take pride in our affiliations with leading professional bodies as well as our alliances with other trusted industry organisations. Prime Partners is committed to helping you achieve your personal or business goals by developing strategies that maximise and protect your wealth and assets, thus offering you true freedom to choose the lifestyle you desire.

4 We offer our clients a fully integrated TAXATION AND ACCOUNTING In today s complex and dynamic taxation environment, obtaining accurate and timely accounting and taxation advice is critical. At Prime Partners we pride ourselves on being a proactive advisor and utilising all our resources to provide you with a fully integrated financial solution. Services For Business We also offer expert advice in the following areas of taxation: Income Tax Capital Gains Tax (CGT) Goods and Services Tax (GST) Fringe Benefits Tax (FBT) Taxation Reform Payroll Tax Land Tax Workers Compensation Whether you require assistance with compliance, business monitoring or strategies to grow your business, it is important to seek expert advice. Prime Partners team of highly qualified and experienced taxation specialists combines technical knowledge with practical solutions that not only meet your compliance requirements but also assist in developing the most tax-effective strategies for your business. We do more than just keep the Tax Office off your back. We use your financial statements to determine the strengths and weaknesses of your business and provide advice about how to grow your business. We also utilise our resources in financial planning and lending to provide you with a fully integrated financial solution that will help achieve long term profitability and future growth. Services for Individuals Prime Partners also offers taxation and accounting advice for individuals to help you understand the often complex and technical area of taxation and legally minimise, defer and plan your tax payments. We can also work with you to create taxeffective solutions to achieve your personal financial goals. We can assist you with: Individual tax returns Gearing strategies Budgets and financial plans Personal taxation advice We can provide you with a full range of accounting and taxation services including: Effective tax structures Efficient accounting systems Forward tax planning

5 solution for all their financial needs BUSINESS ADVISORS Whether you re just starting a business or you run an established organisation, our business advisory service can help improve your business operation and increase profitability. Prime Partners main focus is on helping clients improve their lifestyles. Our combined knowledge and experience gives us the ability to provide great insight into the strategies that create true positive growth for business. This in turn, gives business owners the ability to choose how they work in their business. We also offer advice on: Optimising financial performance Implementation of financial management systems Budgeting and planning Cash flow, budgets and financial projections Business and ownership structures Trusts, asset protection and estate planning Family business advice Business development Business plan preparation Improving financial acumen Business succession Our most popular and proven program is known as the Positive Trend Business Program. Its focus is developing a close working relationship between you, the business owner, and your Positive Trend coach. The key strategy for success involves a combination of: Structured group workshops for 12 months that deal with a specific business growth issue each month Personal, one-on-one coaching sessions designed to ensure that you apply the principles gained from the workshops to your business and also assist you to assess the success of changes in your business

6 We provide solutions to help achieve FINANCIAL PLANNING Financial Planning is much more than money management. Financial planning is about setting your personal and financial goals and developing strategies to achieve those goals. Our financial planners are qualified and willing to help you with the complex taxation and legal considerations required when developing a financial plan and develop strategies that are flexible enough to cope with your changing personal circumstances. Wealth Creation While running a successful business or earning a substantial income will afford you a certain quality of life in the short term, to achieve true financial freedom and the lifestyle you desire for the future it may be necessary to build additional assets and wealth. Whether you are looking to grow your business, acquire an investment property, educate your children or save for your retirement, Prime Partners can help you develop strategies to increase your wealth through the use of: Tax-preferential investment vehicles such as superannuation funds Tax-effective gearing to acquire and build larger investment portfolios Knowledge to maximise the after-tax return on investments and to ensure that all entitlements are obtained Risk Management We consider risk management to be an essential element of any sound financial plan. It involves the careful identification, analysis and monitoring of risks in order to develop a strategy designed to increase the likelihood of you achieving your goals. We offer advice and assistance on: Appropriate legal structures to minimise loss Appropriate insurances to ensure continuation of income, protect your family and/or protect your business Debt elimination Succession planning Tax Effective Planning While paying tax is an essential part of life, how much tax you pay can greatly impact your quality of life both now and in the future. Prime Partners provides the expert advice you need to achieve the most appropriate tax solution for your business or personal needs. Our aim is to assist you in structuring your finances to help you maximise your income and savings during your working life and preserve your wealth in retirement. We provide advice on: Superannuation Gearing strategies Salary sacrifice Retirement timing Allocated pensions Saving outside superannuation Shares and property Retirement Planning Prime Partners experienced team of financial planners make planning for your retirement an enjoyable and rewarding process. We work closely with you to develop a personal plan that includes superannuation and investment strategies to help meet your individual goals. Our expertise covers the following areas: Business succession Income streams Superannuation and rollovers Self managed superannuation funds Master trusts and wrap accounts Allocated pensions/annuities Term allocated pensions Tax planning Social security advice AFSL ABN

7 true financial freedom SUPERANNUATION Superannuation is the second largest asset of many Australians. Superannuation provides a long-term savings facility during your working life to provide income for your retirement. A growing number of people are deciding to manage their own superannuation, using a Self Managed Superannuation Fund (SMSF). This allows them to gain greater control and flexibility over their financial situation. The advantages of a SMSF include: Control of the fund investments Flexibility to meet specific investment needs Direct tax advantages to members The trustees/members pay for what they need Possible cost savings depending on fund balance and investment strategy Despite many changes to legislation over the past several years, superannuation is still one of the best ways to accumulate wealth and save for your retirement. You can invest in super in a number of different ways - the best option for you will depend on your circumstances and your retirement objectives. As a group Prime Partners provides the following: Determining the suitability of an SMSF for your personal situation Establishment of your fund Documentation of the fund s investment strategy and appropriate asset allocation Administration, Accounting, Taxation and Audit services Running an allocated pension for when you retire Maximising member returns whilst considering the risk LENDING To improve or expand your business and grow your wealth it is sometimes necessary to obtain additional finance. A key component of any wealth creation strategy is to borrow at low, tax-deductible rates to create a higher after-tax return on a larger investment base. This strategy applies to both real estate and equity investments. Through our trusted industry alliances, Prime Partners can offer you advice on a wide range of products and services and also assist you with securing the most appropriate loan to help achieve your financial objectives. Prime Partners Lending has a lending panel of over 30 leading banks and other financial Institutions & has numerous products to choose from. We can assist you with: Home Loans Investment Loans Re-Finance Loans Non-Conforming Loans Business & Commercial Finance Construction & Development Finance Motor Vehicle & Equipment Finance Prime Partners provides me with a total service - everything from tax planning, wealth creation, compliance - even down to helping me prepare my retirement strategy. Dr Warren Duff (Orthodontist)

8 Meet the Prime Partners Geoff Laela Steven Geoff Power Accounting Director Geoff s career in accounting spans nearly 40 years and includes roles with several well-regarded accounting firms. In 1987, he established his own practice, G J Power & Associates, and 6 years later joined with Laela Hansen establishing Power Hansen. Geoff s main objective is to improve the lives of his clients by helping them to increase their wealth or create additional free time and a sense of wellbeing. He is also interested in assisting clients to grow and improve their business as well as representing and advising those clients where his knowledge and skills can make a difference. Geoff grew up in Taree before moving to Sydney to commence his studies. He is married with three teenage sons and his interests include surviving parenthood, travel and charity work. Bachelor of Business, University of Technology, Sydney Chartered Accountant Member, Institute of Chartered Accountants in Australia Member, National Tax Agents Association Justice of the Peace Raffaela (Laela) Hansen Accounting Director Laela commenced her accounting career over 30 years ago as an auditor at Coopers & Lybrand, working with a range of medium and large companies. After starting a family, Laela decided to focus on small business and tax and has since been assisting small business clients with business management and tax planning. Laela combines her extensive business experience and acumen with a hands-on, personal approach to provide her clients with holistic and practical advice. Laela was born and raised in Sydney and is married with two young adult children. She enjoys reading, travel, films and watching cricket and any sport that Australia excels in. Bachelor of Economics, Sydney University Chartered Accountant Member, Institute of Chartered Accountants in Australia Member, National Tax Agent Association Justice of the Peace Steven McCosker Financial Planning Director Steven has over 10 years experience as a financial planner and provides advice across a broad range of areas, including self-managed super funds, small business strategies, wealth accumulation, tax planning and retirement strategies. He was formerly a partner of McCosker Dunstan before the company merged with Power Hansen to form Prime Partners. Steven believes in the importance of creating a good work/life balance and is equally committed to helping his clients build and manage their wealth to achieve their business or personal goals. He is a trusted advisor to many clients. Steven grew up in Sydney and currently lives in Epping with his wife Julie. Steven enjoys gardening, golf and supporting his beloved South Sydney Rugby League team. Bachelor of Financial Administration, University of New England Diploma of Financial Planning, Financial Planning Association Member, Financial Planning Association Authorised Representative of Professional Investment Services P/L AFSL no

9 Greg Patrick Greg Dunstan Financial Planning Director Greg has worked as a Financial Planner for over 10 years. During this time he has gained extensive experience in the areas of retirement planning, wealth accumulation and wealth protection. Greg also enjoys providing strategic advice to businesses. Greg s approach is to listen to his clients and work closely with them in order to formulate strategies designed to meet their end goals. He believes that an ongoing relationship with regular contact is vital for his clients to achieve their objectives. Greg grew up in Sydney and is married with two children. In addition to spending time with his family, Greg enjoys pursuing his favourite pastime, fly-fishing. Bachelor of Economics, University of New England Diploma of Financial Planning, Financial Planning Association Member, Financial Planning Association Certified Financial Planner, Financial Planning Association Authorised Representative of Professional Investment Services P/L AFSL no Patrick Kazzi Lending Director Patrick has been associated with the financial planning industry for the past 6 years. During this time he has grown to understand the need to consider each client s individual circumstances as part of tailoring a financial solution for them. His professional relationships and networks are one of the keys to his success as he has built strong relationships with a wide range of industry partners. Patrick is focused on providing his clients with sound advice and acting in their best interests to help them achieve the best possible outcome. He also believes that building lasting relationships with his clients is the key to creating long term financial success. Patrick grew up in Sydney and is married. His interests outside of work include fine dining, travelling, rugby league and fishing. Bachelor of Commerce (Financial Services), University of Western Sydney Authorised Representative of Professional Investment Services P/L AFSL no Accredited Mortgage Consultant as well as a full member of the Mortgage & Finance Association of Australia (MFAA) Justice of the Peace

10 The Prime Solution We provide an integrated financial solution for all your business and personal needs. We focus on providing you with clear, easy to understand advice so that you can make more informed decisions. We thrive on assisting you achieve your financial goals. We believe that our high level of customer service is an extension of how we value you as a client. To find out more about how we can assist you, call us on

11 Providing you with a complete financial solution so you can focus on the important things in life

12 Level 1, 230 Victoria Road Gladesville NSW 2111 Locked Bag 5030 Gladesville NSW 1675 Tel: Fax: primepartners.com.au