Professionals & Families

Are you professional, or a single or double income family? You may be well on your way to saving and investing and growing your wealth, or you may have started strong and then stalled as other commitments came up.

Have you ever considered?

• What your financial goals are
• How you can build assets while still maintaining an enjoyable lifestyle
• The age and timeframe you wish to achieve your goals

JSA can assist with the following...

Personal Financial Training

The JSA Cash Flow Monitoring System is designed to help you run your personal finances as a successful business.

Like a Personal Finance Trainer, your JSA Financial Adviser will help you

• Set goals and objectives
• Track your progress on a regular basis
• Benchmark your results
• Review your strategy to account for any major changes

-See our Personal Financial Training page-

Wealth Creation

Growing, protecting and managing your wealth is our prime objective. Our Financial Advisers provide specialist, practical advice on a wide range of wealth accumulation strategies across different asset classes including

• Savings strategies outside of super
• Lump Sum Gearing
• Instalment Gearing
• Negative Gearing
• Savings plans
• Salary Sacrificing into Superannuation
• Tax planning
• Risk Management

By combining these services our professional team of advisers develop strategies tailored to meet your individual needs, not only for today but for your future as well.

Personal Insurance Planning

You would not hesitate to insure your home and car so why would you not ensure your most valuable asset….YOU.
What would happen if for one reason or another there was no income. How long could you maintain your current lifestyle? What would the consequences be?
Risk management is an important component to ensure the success and longevity of your finances. Planning for unforeseen events will allow you freedom of choice and the ability to protect your assets and sustain your investment portfolios.

Your JSA Financial Adviser will work with you to get the right combination of:

• Death cover
• Total Permanent Disability (TPD)
• Income protection
• Trauma insurance
• Health insurance
• Asset protection cover

Business Risk Insurance

If you run your own business you should also consider the following:

• One in five businesses have to be wound up or cashed up if there is an event which affects a key person?
• In a forced sale situation, business assets only realise approximately 35% of the owner’s perceived value.
• The short term impact of a major trauma can be as serious financially to a business or family as death.

Your JSA Financial Advisers will work with you to assess the need for:

• Key Person Insurance
• Business Expense Cover

Superannuation

JSA recognises that the principal purpose of superannuation is to provide a reasonable level of income during retirement. With constant changes in regulation, legislation and the taxation of superannuation, our experienced team of advisers are perfectly positioned to assist you in achieving your goal of an enjoyable lifestyle in retirement.

We will help you choose the right superannuation vehicle whether it be:

• Industry Funds
• Public Offer Funds
• Master Funds
• Self Managed Superannuation Funds

Mortgages & Finance

Whether you are looking to buy your first home, and investment property or take out a lease or personal loan, JSA Mortgages and Finance Pty Ltd provides mortgage and finance related products and advice as to ensure that you end up with the best loan for you.

We care for your mortgage and finance needs in the same professional manner that we care for your financial planning needs. JSA Mortgages and Finance will not recommend any loans or products to you that may conflict with your overall financial plan.

JSA Mortgages and Finance Pty Ltd can help you with:

• Home Loans
• Investment Home Loans
• Portfolio Loans
• Reverse Mortgages
• Novated Leasing
• Equipment Finance
• Commercial Finance
• Deposit Bonds

To see how we can help you and your family with finances make an appointment with us today.  Contact us on 02 4908 0999 or email reception@jsagroup.com.au