Established in 1992, Lowe Lippmann Wealth Advisers aims to provide individual and corporate clients in Melbourne and all across Australia with high quality, personalised financial advice and services, covering all aspects of financial planning.
Our belief is that financial planning is an ongoing process in managing all areas of your financial life. Based primarily around your short and long term objectives, it takes into consideration your cash flow, investments, liabilities, tax position, personal risks (such as disability and death) and leaving a legacy.
Achievement of your objectives is at the heart of every financial and investment recommendation we make.
Our team is made up of highly trained, professional advisers supported by administrative personnel and external resources.
We provide you, the client, with a dedicated personal adviser and their support team, to guide you in your financial decision making. The depth of our adviser base then provides a reliable back up service should your adviser not be available.
Our key objective is to provide added value to you in relation to your financial affairs by ensuring that you make informed and appropriate decisions in your financial planning and to simplify the financial planning, wealth creation and personal protection process for you.
Providing unbiased financial advice at a fair price, tailored to your personal financial and non-financial objectives. Benefits and cost of our advice Keeping you on course to meet your financial, investment and personal goals in the short and long term.
Providing you with details of all costs related to our services and the products and portfolios we may recommend. Providing full access to your personal information that we gather for planning purposes.
Nurturing positive, respectful client relationships by insuring a professional service is provided. Facilitating open, two-way communication with you, always guiding you and always listening to you.
Our services are structured to provide clients with a tailored solution that is appropriate to a client’s needs, objectives and personal and financial position. We therefore offer full financial planning services as well as specific limited services according to your requirements.
Do you have a ‘Safety Net’ for your family and yourself in the event of death, disablement or major illness? Will your surviving spouse be able to clear any debt and secure a future income stream to support your family? Should you become disabled, either through sickness or injury, will your family be in a position to maintain their lifestyle?
Every loan is different and a tailored solution is essential. There are many steps in the loan application process which can make borrowing money for a home or investment property a daunting task. We are with our clients from the initial mortgage advice right through to the settlement of the property.
Initially it is important for us to fully understand your needs and objectives as these will indicate to us the outcomes that you wish to achieve in your plan.
For us to provide you with the best possible advice, we then review your financial position and personal circumstances. This involves detailing your assets, liabilities, cashflows, work circumstances, superannuation arrangements, insurances and estate planning.
We also need to determine how much risk you’re prepared to take with your investments to achieve your objectives. We do this using a Risk Profile Questionnaire and discuss with you various aspects of investment and the trade-off between risk and return. Once we have all of this information we can move on to the next step, which is to develop appropriate strategies and recommendations specifically tailored to your circumstances.
Now that we understand your situation, we research various strategy options that may be appropriate and subsequently design your personal financial plan. This plan will include a number of recommendations tailored specifically to meet your requirements today and your goals for the future.
The financial plan that we design and present to you may provide recommendations relating to:
Once the plan has been presented and discussed, we ask you to confirm your acceptance of the plan.
Once we have your commitment to the plan, we will assist you where possible to implement the recommendations. To ensure you remain on course to achieve your financial, investment and lifestyle goals, we will regularly review your financial plan and strategies with you, and guide you along your financial journey.
Internal and external factors may require changes to your financial plan and our review will address these factors. They include:
Once your personal financial plan has been completed and implemented, our ongoing financial planning service encompasses the following components:
Ongoing, periodic reviews of your full financial situation and strategic plan, covering objectives, assets & liabilities, cashflow, superannuation strategies, insurance and estate planning.
We actively monitor individual investments, investment markets, economic circumstances and your personal portfolio - and contact you if we believe your investments need to be adjusted.
Personal Financial Adviser
Your adviser and their support team are available for you to contact at any time should you wish to discuss, or have any concerns about, any financial planning matter.
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