Wealth Creation & Risk Insurance

We see Financial Planning as a journey. From the early years when borrowings are high and savings must be carefully planned, through the accumulation years when debt levels reduce and savings capacity increases and finally into the retirement years when careful planning from the previous phases bears the fruit of financial security.

The need for quality financial advice has never been greater.

Evolving financial markets and regulatory regimes means more investment alternatives and clients need a financial planner that combines expertise with quality advice and service. We strive to provide integrated financial solutions, proactive advice and service in all facets of financial planning. Our detailed knowledge of the taxation laws also ensures your finances are structured in the most tax effective and secure manner.

Financial planning involves formulating a strategy tailored specifically to your financial needs and resources taking into account your age, lifestyle, investment experience, risk profile and investment time horizon.

Our aim is to assist you to secure and build your financial future. The process involves a series of meetings and discussions where our financial planners take you carefully through each step of the process:

  • Initial Meeting
  • Fact Finding (Information Gathering)
  • Preparation of a Financial Plan (Statement of Advice)
  • Meeting to Discuss the Financial Plan
  • Plan Implementation

Our commitment to your financial security goes well beyond the initial financial plan. It is important not to ‘set and forget’ so as your needs and circumstances change, we adjust the original strategic recommendations to accommodate the changes in your life.

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Why is it so important to plan for my retirement?

Most of us expect to retire one day; few of us really think about the impact of retirement on our financial security. This is surprising, considering we could spend a third of our lives as retirees. Whether retirement is still several years away or just around the corner, you should think about what you’d like to achieve in the years following full time employment.

Your lifestyle in retirement will be largely governed by your financial position. That’s why it’s so important to start planning for your financial security today.

The earlier you start planning, the more you’ll be able to generate for your retirement nest egg.

Don’t leave it to chance. With careful planning, your retirement could include some of the best years of your life.

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Almost anyone can benefit from proper planning and focusing on goals. The strategies chosen, will reflect your individual circumstances and targets.

Why should you have a financial plan?

To secure your financial future, it is essential that you have a sound financial plan. A comprehensive financial plan may enable you to:

  • Manage your income and expenditure to help you achieve your future goals;
  • Acquire investments that will secure your financial independence;
  • Minimise tax and improve your cash flow;
  • Protect you and your family should the unexpected occur.

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Income Insurance offers protection for your income. The purpose of this insurance is to provide you with a benefit in the event of disablement through sickness or injury.

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Life Insurance provides your estate with a lump sum in the event of death or terminal illness.

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How is your general health? Is there any family history that concerns you?

Trauma Insurance will provide you with a lump sum on diagnosis of a specified medical condition.

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Total & Permanent Disablement benefit provides you with a lump sum if you are permanently unable to work again within the definitions of the policy.

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A key objective of a business is to provide an income stream for its principals. Many principals of businesses that are wholly or substantially controlled by the person or people operating the business also have the objectives of:

  • Realising the capital potential of the business; and
  • Ensuring an orderly and successful succession occurs in the event that a principal departs the    
  business voluntarily or involuntarily.

Frequently that means that the principals need to identify the sources of funding necessary to achieve these objectives.

Through O’Bryan & O’Donnell Financial Services you can access specialist advice in all areas of financial services including superannuation, retirement funding, wealth creation, investment strategies and risk protection advice.

Our insurance advisers underpin their advice with researched analysis in risk insurance including

  • Trauma insurance,
  • Income protection,
  • Life insurance and
  • Business insurance.

Our financial planners offer our clients a clear understanding of their financial planning options with open communication being a major component of his partnership with you.

You will find they are technically very knowledgeable and have the ability to work with you toward achieving the goals you set for yourself, your family and business.

They are committed to ongoing service and use their combined 85 years experience in the financial services industry to provide advice of the highest quality.

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O’Bryan & O’Donnell may receive a percentage of commissions and fees charged in relation to advice for insurance and financial planning.

Superannuation and Retirement Planning

Who should have a Financial Plan?

Income Protection

Life Insurance

Trauma Insurance

Total & Permanent Disablement

Business Succession Planning