Everyone needs to plan for his or her financial future.
Do you get the feeling your money could be working harder, but don't know what to do about it? You need to know that your money is working hard to achieve your lifestyle objectives in the short term; and will provide you with security and independence in retirement.

IOA exists to help you create, manage and preserve your wealth so that your dreams become reality.

Through the IOA Financial Planning Process we provide customised financial strategies to preserve and build your wealth. These include Superannuation, Estate Planning and Risk Management.

By combining these services our advisor has the ability to meet your particular requirements, both today and in the future.
We can tailor the right strategy for you now and in the future to suit your individual financial need, goals and objectives.

A good financial plan should withstand all life events without disruption to your current standard of living or estate planning desires.

Everyone wants a secure and happy retirement, free from financial worries.

Constant changes to superannuation law and the investment environment mean that setting in place a strategy to achieve financial independence during retirement can be difficult.

Our expert adviser, backed by SECURITOR’s research and technical expertise (via ASSIRT), can guide you through this maze and set in place a strategy to provide a financially comfortable and stress-free retirement.

We can advise in all areas of superannuation, covering both personal and corporate plans, tax effective structuring and administration.

Use the equity in your own home, your existing investment portfolio or simply accelerate your savings by combining your own savings capacity with borrowed funds to bring forward your future wealth creation.

We analyse your particular circumstances and recommend investment strategies which provide tax effective solutions for your overall investment portfolio.

The financial burden on families and businesses caused by death or disablement can be insurmountable.

Every home owner insures their home. In fact, many people count the family home as their most valuable asset. While bricks and mortar represent significant assets on a balance sheet, your greatest asset is in fact your ability to earn an income. It is your income that provides the means to support your lifestyle and to generate wealth.

As well as protecting your ability to earn an income, we recommend that you protect the assets that you accumulate throughout your career and into retirement. Most of us know family or friends who have experienced a major trauma. Even though it may have been a temporary setback, the capacity for recovery is always enhanced when income continues to flow in to meet medical and living expenses.

Similarly, an unexpected death can place enormous pressure on loved ones or business partners left with a significant debt, which could otherwise have been cleared with the proceeds of a life policy. If your asset base does not provide the necessary capital in the event of the unforeseen, adequate insurance protection against these events is crucial.

As an Authorised Representative of SECURITOR, IOA’s financial adviser has the ability to source the best possible cover against loss of income, death, trauma and disablement for individuals and businesses.

We are committed to working with clients to attentively identify their specific needs and provide the most appropriate risk control and insurance management solution.

Estate Planning is an essential component when considering the establishment of the most structured and meaningful succession plan.

Estate planning is about giving yourself proper control of your assets and ensuring that they go into the right hands at the right time after your death. If done correctly, it gives you the peace of mind of controlling the distribution of your wealth.

Unfortunately, no one knows what the future holds and it is important that you plan your estate to ensure that the money and other wealth you have accumulated goes to the people you intended

IOA has introduced a mortgage service designed to provide better loan and debt reduction strategies.

Finding the right loan can be a very confusing and time consuming process. IOA assist to find the right mortgage products to meet your needs.

Whether you need a loan to purchase or refinance, for owner-occupied or investment needs, we refer out to over 30 lenders with a variety of products to suit. Using our service saves time and money.

Our relationship with you does not end after the initial preparation and plan implementation. A portfolio requires regular review to ensure that it continues to meet the investor’s needs. The review process addresses:

• How your needs may have changed.
• The economic environment.
• Investment sector performance.
• Your taxation position.
• Social security issues.
• Investments available.
• Taxation position of investments.
• Fund manager and investment performance.

All these factors are subject to change and these changes may have significant impact on the suitability of your investment portfolio.

Our adviser will keep you informed of your investments’ progress and conduct a regular portfolio review.