|
WHO
WE ARE
Financial
Vision Limited is an independent financial planning and
investment advisory company based in Takapuna, Auckland. Financial
Vision has been operating in its present form for over 10 years. We
specialise in providing practical, common sense, independent advice
on how to move ahead financially. Essentially, we aim to help you
assess:
• Where you are now financially.
• Where you want to be in the future.
• What your options are.
• How you get there.
Our
primary aim is to help you to
actually achieve something.
INDEPENDENT
Financial
Vision prides itself on being totally independent and unbiased.
We have access to and a detailed knowledge of a wide range of risk,
savings, and investment products. We are set up to be able to pass
the benefit of this knowledge on to you. We jealously preserve our
independence. We are not tied to recommending any particular companies
products. We always seek to provide our clients with what is demonstrably
the best advice based upon our analysis of your needs
and what is best for you.
FREE
FIRST CONSULTATION
There
is no charge
made for our first meeting with you. This is because:
• We need to be sure that we can actually help you.
• You will want to be sure that you are going to get value
for money.
WHO
WE ADVISE
Financial
Vision offers advice to:
• Private clients
• Business people
• Businesses
• Family Trusts and Estates
WHAT
ADVICE DO WE GIVE
Financial
Vision specialises in providing advice that is:
• Common sense
and easy to understand.
• Independent
and unbiased
• Focused on improving
your financial situation.
Some
of the areas covered are as follows:
• Where to invest (local,
international, shares, fixed interest, property, term deposit?)
• Independent audit of
your insurances. (Do you need it, are you paying too much?)
• Business insurance analysis
(what are your risks, are they adequately covered?)
• Retirement planning
(how much will you need, where to save?)
• Investment blunders and
what to avoid
• Minimising tax
• Strategic planning
• Family trusts,
asset protection and estate planning
• Advice on property
(buy, sell, hold, refinance)
• How to save (budgeting
and management of cash flows
All
our advice is research based and
service driven.
STATUS
Financial
Vision Limited is a private company owned by Nick Duff,
Pam Riley and their family trust interests. Key personnel are as
follows:
•
Nick Duff, Managing Director
• Anna Sepetavc, Senior Consultant
We
have no financial or ownership links with any other company or product
supplier.
COST
OF OUR SERVICES
Financial
Vision Ltd operates on a fee only basis. Fees are charged
according to the service provided as follows:
A.
Plan or Report Preparation fees
B. Portfolio Monitoring fees
C. Miscellaneous Consultation fees
A.
Plan or Report Preparation Fees
Under this option we charge you a time based
fee for preparing a financial plan or an investment report. This
fee will obviously depend upon how much work we need to put in to
help you, but prices typically range from $400 - $3000 plus GST.
B.
Portfolio Monitoring Service (PMS)
The PMS option
is recommended for clients with more substantial
portfolios. We use the powerful electronic Aegis wholesale system
which allows us to rebate all entrance or exit fees or brokerage
and all trail fees. Instead, we charge you portfolio monitoring
fees. These fees vary depending on the size and the complexity of
your portfolio. There are usually significant tax advantages in
this approach for larger investors. Fees are charged for:
1. Preparation of a financial plan ($400-$3000 depending on complexity)
2. Monitoring your portfolio (based on a sliding scale of 1%-3%
per annum of funds under management)
The main benefit to you is that these monitoring fees are fully
tax deductible, whereas brokerage is not. This option can save you
up to 80% of traditional costs, depending on size of portfolio.
C.
Miscellaneous Consultations and Services
For all other work we do for you we charge
an hourly rate. This would normally include miscellaneous consultations,
withdrawals, portfolio valuation reports or other work done on your
behalf.
Our charge out rate for consultants is $200 per hour plus GST (this
is more than a plumber but less than a lawyer).
|
