Financial Planning Victoria

BDO Kendalls Financial Planning offers experienced financial planners who provide expert advice, backed by extensive research and advanced financial Planning experience. Our planners are fully conversant with legislation impacting on wealth creation, wealth protection, investment & tax strategies and retirement planning. We can assist you with advice on superannuation, retirement planning, development of wealth creation programmes, investment portfolio optimisation, estate planning and on-going management of investment portfolios

Private client services

BDO Kendalls Financial Planning takes a 'big picture' view of financial Planning, and believe that a plan is truly successful only if it is built to be flexible enough to endure the passage of years.

It is understood that everyone has financial needs that change over time, so BDO Kendalls Financial Planning offer financial Planning strategies that aim to make sure that throughout the different stages of life, financial security is a foundation block.

Services are designed to assist you to manage your financial affairs from the cradle to the grave, and beyond.

The financial Planning process

Getting to know you
The most important part of the advice process is that your planning consultant gets to know you, so that they really understand your needs and circumstances. This allows your consultant to devise financial solutions that are unique to you - financial Planning solutions should fit like a tailor made suit.

Recommendations
Once your consultant understands your financial goals, you are offered solutions for meeting those goals.

Implementation & ongoing management
Once your consultant has arrived at the right solutions for you, BDO Kendalls Financial Planning will help you to implement programmes, and manage them - your BDO Kendalls Financial Planning consultant is with you every step of the way.

• Tax management
• Retirement solutions
• Superannuation
• Pensions
• Tax planning
• Child education funding
• Needs assessed
• Product selection
• Life & disability insurances
• Income protection
• Life & total and permanent disablement
• Trauma
• Financing arrangements
• Residential loans
• Commercial loans
• Line of credit
• Managed funds & advice on appropriate products
• Business succession planning
• Planning for the exit of business owners on death, disability retirement or sale of a business
• Shares
• Which shares you should buy
• Trade shares
• Investment strategies
• Goal setting
• Investment selection
• Ongoing management
• Estate planning
• Beneficiary nominations
• Redundancy planning
• How to receive the payment
• Investment of the payment
• Key person insurance
• Business needs assessed
• Advice on types & levels of cover and policy ownership
• Cash flow management
• Budgets
• Disciplined saving
• Financial modelling & simulation
  • Projections to show the likely outcome of different investment strategies

Corporate client services

BDO Kendalls Financial Planning offers a range of services to corporate clients, specialising in group superannuation, insurance and employee benefit packages.

Group superannuation & insurance plan review
BDO Kendalls Financial Planning consultants conduct an in depth analysis of the benefits and services offered by your superannuation fund, and insurer. It is important that the arrangements in place are meeting the needs of both the company and staff.

Group superannuation plan tenders and recommendations
BDO Kendalls Financial Planning has developed a comprehensive superannuation and insurance programme selection process, which starts with an assessment of the requirements of the business and staff. Consultants simplify the decision making process through the provision of meaningful comparative research and expert advice.

Group insurance policy tenders and recommendations
For some employees, the insurance benefits provided through their employment will be more valuable than their superannuation. There are many different types of insurance, and ways the policies may be owned and structured. The main advantages of setting up group insurance policies for staff include discounted premium rates (there is usually a significant saving when compared to individual policies) and automatic acceptance provisions. BDO Kendalls Financial Planning provide advice to businesses on the types of insurance appropriate for their staff, and also how those policies should be owned and structured.

Executive packaging and financial Planning
Retaining key executive staff in today's competitive employment market is in the front of every business owners mind. BDO Kendalls Financial Planning offer financial Planning packages for executives that are aimed at adding significant value to the business' employment proposition to executive staff, giving them something of personal importance that they may not get through other employers.

Choice of fund
The Superannuation Legislation Amendment (Choice of Superannuation Funds) Act 2004 represents a significant challenge to Australian employers from 1 July 2005. The gauntlet of employer compliance, already made onerous under FSR, will become a minefield for the unprepared. BDO Kendalls Financial Planning's network of financial and legal specialists will guide employers through superannuation compliance, to ensure that the increased burden is handled with minimal effort. The ongoing administrative support services involve BDO Kendalls Financial Planning acting as a buffer between the superannuation fund and insurance providers and the client. Employees will be bombarded with information on superannuation products via the media. How will they know what information to trust? BDO Kendalls Financial Planning's communication programmes include a combination of written material, group presentations and workshops so employees feel empowered to make financial decisions.