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How we can help you
AAA Shares Authorities & Credentials AAA Shares Pty Ltd (ABN 44 008 180 952) has operated as an investment advisory business since June 1988. Our principals and senior representatives have many years of service in the industry as stockbrokers, share traders and financial planners. AAA Shares Pty Ltd holds a Financial Services Licence No 222 138 and is authorised to provide advice to clients on financial services and products. This company has authorised AAA Shares and Investments Limited to engage representatives to provide financial services. Throughout the business "AAA Shares" refers to these corporations jointly and severally in the provision of financial services. Our representatives hold Australian Financial Services authorisations from AAA Shares and they are authorised to act in the provision of financial services. We encourage our representatives to maintain their skills through internal and external structured training. Because of their skills, education and training our authorised representatives are competent to advise on and assist in the investment of clients' funds into the products that they recommend. Among our representatives, we have qualifications in Commerce, Law and Business and Diplomas of Financial Planning (FPA), Financial Markets (SIA) and Mortgage Lending. Our advisors have a pool of knowledge that allows them to jointly work to ensure that our clients receive the best possible service. World Class Research The research that is available to our representatives is world class. We subscribe to industry journals, on-line research services and sources such as the Australian Stock Exchange, fund manager sites and financial news services. Clients do not have to sort through pages of material, because our advisory services are structured to provide the relevant and necessary material based upon our assessment of our clients' financial needs, circumstances and objectives. We strive to provide sound, appropriate advice that is relevant and that can be justified as part of our clients' individual wealth management strategy. Share Transactions & Advice In this current climate, where share markets are particularly volatile, it is important to get the right advice. We offer different levels of service to suit most clients. We always feel that our clients should be able to talk to us at the level that is most comfortable for the client. Some clients want simple straightforward answers to their questions, others prefer research reports or a discussion based on charts. When possible, we propose to continue to review holdings of particular stocks and contact clients about actions in those stocks. Where we are recommending a "buy" or investment opportunity, we will endeavour to notify all clients. When we believe that a stock or other investment should be sold, we attempt to contact clients who hold that investment. This web site will become a source of much of these communications. Portfolio Management Our web site gives clients the opportunity to look at their own portfolio of shares and other information that we make available. We can issue a log in and password to clients to ensure the privacy of this information. However, we provide portfolio management services where clients give us authority to review and recommend actions on their current holdings. It is becoming part of all advisory services that the advisor will contact as many clients as possible when a particular issue arises. This may be to tell clients that news has been published or that a company has made an announcement. We know that our clients appreciate such advice and that they understand that it is impossible to telephone all clients in a short period. This web site will assist in the publishing of these notices. Our portfolio management service takes the worry out of the client's hands, by ensuring that those portfolios are under constant surveillance and review. The client has to make the decision on the action to be taken, but the advisor will contact the client with appropriate advice. The small cost to the client of this continual review service can usually be recovered from the results of timely and appropriate advice. Retirement Planning This is usually at the heart of every person's investment strategy. We save to meet future expenses and the biggest future expense for most of us is our own income in retirement. A respected fund manager, BT Australia, has given us some figures to use as a guide for a lifetime pension, using capital and income over average estimated life expectancy.
We assist you to prepare for retirement by showing you how to save as much as possible, using the best planning, investments and tax effective strategies. We also direct you on the sources of income in retirement, such as superannuation pensions and annuities, lump sums, employer packages and government pensions and allowances. Financial Planning Financial planning is the way to wealth creation and protection of your assets. It is more than retirement planning and will include future living requirements, educational and wedding expenses for dependants, holiday and travel, children's savings accounts, investment of inheritances, advice about wills and powers of attorney, insurance and other personal issues. The plan is the guide that you will use to ensure that your financial objectives, circumstances and needs are really your goals and are clearly stated. When you have a plan that sets out where you are heading, you can be more certain that you will get there. Our advisors are licensed to prepare appropriate plans, within the legal requirements and according to industry practice. We believe that we do more than just prepare a plan for you. Our plans are made to be implemented and reviewed and to become the platform for all future advice. A well-prepared financial plan is the start of a lifelong relationship to give our clients the financial freedom they expect. Superannuation The most significant change to employment and retirement saving has been the compulsory superannuation contributions by employers. However, this situation is part of the government's retirement savings plan to reduce our expectations of government pensions at retirement. We are saving for our own pension in retirement. Let us show you the most effective and efficient ways of saving into superannuation. There are tax savings available that make contributions effective and there is a government sponsored scheme that provides a lump sum payment of up to $1,000 per year for low income earners. Effective investment and consolidation of small holdings into a single fund can increase the savings in superannuation. We can advise you and assist in this process. Mortgage Lending Our clients are welcome to use our services to quote on residential mortgages. We can arrange a quote for the mortgage for you and do the running around to pick competitive rates and prepare the paperwork. Personal Insurances We can provide quotes for personal insurances, covering Life, Trauma, Disability and Income Protection. This has become part of our financial planning service and must be considered when we are assessing the full financial position of our clients. The reduction of risk to a family and the protection of assets form the basis of this advice. Private Health Insurance and general insurance do not figure
significantly in our activities, but we do help clients where
necessary.
© 2004 AAA Shares & Investments Ltd. All rights reserved. |
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