Our approach is to provide you with a no obligation meeting to discuss what you are hoping to achieve in the future, whether that be for you individually or for your business, we need to get to the bottom of your needs and objectives.
In this initial meeting our aim is to understand
- Your family circumstances
- Your personal and/or business circumstances
- Your attitude towards risk
- Your current financial position
From this initial meeting we will apply our knowledge and expertise to develop a financial plan with tailored advice to your individual circumstances, taking into consideration
- Appropriate tax structures
- Investment strategies
- Asset protection for your family
Take the step to financial freedom and download our e-books today!
Family SMSFs & Estate Planning
Family SMSF. Family Trust. Wills & Enduring Power of Attorney. Testamentary Trust. Family SMSF Proceeds Trust.
Retail & Industry Superannuation, Self-Managed Superannuation Funds, SMSF Specialists, SMSF Set-up, Retirement Planning.
Financial Planning, Retirement Planning, Superannaution Solutions, Taxations Management, Debt Structuring & Management.
Risk Assessment. Personal Insurance. Business Insurance. Buy Sell Agreements. Estate Planning.
Managed Funds, Direct Equities, Direct Property Investments, Superannuation Investments & Other Investments.
Tax & Accounting
Financial Statements Preparation, Tax Return Preparation & Lodgement, Tax Planning, Bookkeeping, ASIC Corporate Compliance.
Joe has been instrumental in the growth and structure of our existing Child Care Centers, he has been with us every step of the way from bookkeeping, tax planning and general compliance will all the government departments. The next phase of our wealth accumulation has seen Joe structure our superfunds, so we can own our commercial Child Care premises which means we will be paying rent to our superfunds to own the premises in the long term.
Financial Statements – Personal & Business
I was lost in relation to my tax situation when I met Joe through my business partner. My previous accountant just didn’t explain it to me so I could understand it. For the first time in my life I feel like I’m in control of my business and my tax and I can just concentrate on what I love doing. If I have a question I just ask and get a response immediately that I can understand. Its EPIC!
Tax Return – Personal & Business
I have been working with Joe for over 8 years now with my clients. We work well together for the long-term benefit of the client, with myself managing the day to day operational and management accounting, including BAS review and delivering real time financial reporting for each of their businesses. Joe and his team manage the tax compliance, lodgement and tax planning for my clients, including long term tax and super strategies. The team’s attention to detail makes sure we keep the ATO at arm’s length with all our tax related matters. Joe and I meet regularly with Clients, Joe acting as ‘Chair’ of each advisory board.
Taxation Management from a Management Accountant
Since meeting Joe in 2013, he has put us back in control of our Superannuation. We are nearing the end of our business working life and we feel very comfortable with managing our post retirement investments through Joe. We meet and communicate on a regular basis, so we feel secure with what our investments are doing.
JENNY & WAYNE
I have known Joe since 1997 and in that time, I have built my Super up to the point that I can retire very comfortably if I choose to. As a long-term advisor to myself, my Business’s and Superfund Joe has been there to help me make the right decisions to grow and protect my retirement nest egg.
Self Managed Superannuation
“From start to finish, the Team at Bricks + Mortar were incredibly efficient in the setup of our SMSF for my Wife and I. All paperwork for the Superfund and associated Bare Trust structures were setup immediately, appropriate advice given on same, costs and fees outlined and explained, even Legal fees managed. We had received and signed all the required documentation within days, been provided with a bank account set up kit and necessary Rollover forms were completed and lodged. Access and communication from the Team is second to none….” Thanks Joe and Aletia….
Set up of Superannuation
We recently cashed in on the sale of some property and wanted to invest the proceeds for the long term while we travelled around Australia. Joe met with us leading up to settlement and provided us with advice in relation to our income, expenses and assets and discussed with us at length our goals and wishes and put in place a plan, so we could enjoy our travel’s and not have to worry about money while we were away. Our cashflow just appears in our bank account on a regular basis. It’s great.
KERRY & PETER
I work closely with Joe on share portfolios and direct share investments, if I have a listed company share that I want some background information on he completes that with his team and provides me with the research. It then enables me to make a decision to invest or not based on the information provided. On the reverse if I’m holding a share that he thinks that has risk, he provides me with the information, so I can make a decision on my portfolio.
Since I have set up my SMSF in 2011 Joe has helped advise me on maximising my contributions, structuring a number of commercial property purchases and investing my excess cash flow. He puts me with the right people at the right time to make it all happen.
Direct property Investment
When I first setup my self-managed super fund to purchase a property, I was able to borrow money from a relative and Joe provided the advice and legal documentation to make sure it was allowed. Thanks to Joe I am about to make the final payment and own that property outright. It’s a good feeling to know that I have a bricks & mortar asset with a 10% rental return on purchase price.
Related party loans with my SMSF
When I first setup up my superfund to purchase a property, I had some left over cashflow to invest. I went to Joe to see if I could invest in a particular asset and he made sure that I could and advised me on the documentation needed to support the investment. He also provided me with all the necessary paperwork for the minutes and the investment strategy that was needed so that everything was documented and compliant.
We recently took our business to another level and with that I invested a lot of time in training some key people in my business. Joe recommended I put some insurance in place in case something happened to that person, so our business didn’t suffer if that person was injured or fell sick. When we went through the process that key person realized he had nothing in place for his family’s protection if something happened to him. It was a great piece of advice that was a win-win for everybody involved.
We have known Joe for over 20 years and we needed our wills reviewed and updated. Joe was instrumental in guiding us through the process with a lawyer as he knew everything about our business, our investments and my family. My wife and I were able to set up clear instructions that provided for everyone and each other. There are assets we wanted held for the long term that we wanted our estate to benefit from. There were also assets that could be sold if the family chose to do so. We were very pleased with the resulting document and with the ease of the provided by Joe.
TOM – OWNER PET ANGEL
My husband and I had engaged another adviser for our personal insurance, as our financial adviser we asked Joe to review the proposal to ensure it was structured correctly to meet our individual needs. The proposed structure had different waiting times on our income protection insurance and included some inside super and some outside super, upon Joe’s review he raised some questions which he was happy to discuss with the adviser directly on our behalf and got a response we were all happy with. We know Joe is also an insurance adviser, however he was happy to work with our contact to make sure we had the right policy for us. We hope we never need to make a claim, but we are confident if we ever do that we have the right structure in place thanks to Joe.
Lastly just some quick feedback, mate you and your team are so on the ball, honestly, it’s a pleasure working with B&M Financial as so many other companies need chasing on everything, but you guys are so prompt, Amanda is often chasing me – hahaha. Just thought I’d let know we are very happy.