LENDING SOLUTIONS
Home & Business Loan Specialists
You may be surprised to find that by using a home loan broker you could actually save time and money. Our loan services are usually complimentary to you as we receive a fee from the lender. This doesn't mean you are paying a higher rate, it simply reflects that the lender saves money by having reduced costs on their side. If there is a fee to be paid, it's disclosed up-front and agreed with you.
We match our client's with the right loan for them. We remove the hassles and help you avoid the pitfalls. From our initial meeting where we get to know you and understand your circumstances we then discuss the loan options available from our panel of over 25 leading financial institutions.
We keep you informed through the lending process and after settlement you remain our client, we will continue to personally look after you.
PERSONAL INSURANCE SOLUTIONS
Life, Disability, Trauma & Income Protection
Insurance is about managing risks so you can protect yourself, your loved ones and your lifestyle if the unexpected happens. The tricky part can be figuring out your insurance needs and then how much you need to be insured for. We will review your current policies, evaluate your cover requirements based on your circumstances, recommend the appropriate ownership structure and source competitive policies from our wide panel of insurance providers.
Our Personal Insurance services are usually complimentary as we receive a fee from the insurer. This doesn't mean you are paying a higher price, it simply reflects that the insurer saves money by having reduced costs on their side (as we find the clients and manage most aspects of the insurance process). If there is a fee to be paid it's disclosed up-front and agreed with you.
SUPERANNUATION SOLUTIONS
Employer, Retail and Self Managed Funds
Superannuation remains one of the most tax effective savings structures available to individuals. We can guide you through the contributions process so that your financial wealth is optimised given your particular circumstances. We can help you assess how much super you may need in retirement and help you to work towards your goals. We assist with all aspects of your superannuation investment decisions and factor in personal insurance policies where appropriate.
No matter which stage of the superannuation cycle you are at or the structure and strategy of your fund, Lombard Private Wealth can assist you to navigate the rules, maximise your returns and help you to grow your wealth today for the future you want tomorrow. We'll remove the confusion and provide the solutions.
Our Superannuation fee structure will be discussed and agreed with you upfront.
INVESTMENT SOLUTIONS
Putting your savings to work or borrowing to invest
Investing involves putting your savings or cash flow to work, helping you to achieve your lifestyle and financial goals sooner. We can recommend a personalised investment strategy tailored to your individual circumstances and objectives, with recommendations covering a broad range of asset classes.
As part of our ongoing service agreement we will review your investments and consider their performance relative to your objectives. Change is inevitable and we will be there to guide you as well as help you to adapt and take advantage of it.
Our Investment Management fee structure will be discussed and agreed with you upfront.
ESTATE PLANNING SOLUTIONS
Protect your estate in the event of your death
Estate Planning is the organisation of your personal and financial affairs, in a tax efficient manner, so that you are looked after during your lifetime and your personal possessions and financial assets are distributed to beneficiaries according to your wishes when you die.
The role of Lombard Private Wealth is to project manage the Estate Planning process and, as required, engage the services of our Estate Planning legal specialists. We will arrange for meetings as well as assist with collecting, or supply of already known information as required.
Our Estate Planning services fee structure will be discussed and agreed with you upfront.
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BUDGETING & CASH FLOW MANAGEMENT
Financial planning combines budgeting and cash flow management. It is a highly collaborative process that considers your lifestyle needs and financial goals. Sometimes you may need help in setting your budget to meet or manage expenses, other times it will be about determining the right amount of surplus cash which could be used to generate additional wealth.
We will usually incorporate budgeting and cash flow considerations into all of our advice with no additional fees payable, if there is a fee to be paid it will be disclosed up-front and agreed with you.
