McPherson & Associates Pty Ltd

McPherson & Associates Pty Ltd
McPherson & Associates Pty Ltd
Financial Services-BRISBANE, QLD
Financial Services-Brisbane, QLD
McPherson Investment Consulting Pty Ltd provides financial planning services to our clients. We tailor our services to meet the specific needs of our clients, providing the expert advice ..
Level 3 145 Eagle St, Brisbane, Qld, 4000.
Level 3 145 Eagle St, Brisbane, Qld, 4000.
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McPherson Investment Consulting Pty Ltd provides financial planning services to our clients. We tailor our services to meet the specific needs of our clients, providing the expert advice required to address lifestyle and financial goals. We aim to provide our clients with superior financial outcomes.
McPherson Investment Consulting Pty Ltd is a privately owned and managed financial planning business.

No financial institution holds any ownership in McPherson Investment Consulting Pty Ltd or in McPherson & Associates Pty Ltd (the Licensee).

McPherson Investment Consulting is part of the McPherson Group.  Please see below for information about the establishment of the McPherson Group and the expertise offered.

At McPherson Investment Consulting Pty Ltd we focus on providing tailored financial planning services to our clients, and you may be interested in all, or only some, aspects of our services. We will work with you to identify your needs and agree how we are able to best help you.

We pride ourselves on the qualitiy of our work and aim to build long-term relationships as we address the financial issues, challenges and opportunities presented over time.

McPherson Investment Consulting Pty Ltd provides a range of financial planning services to our cilents, including:

Wealth accumulation strategies
Investment portfolio advice and management
Superannuation
Retirement planning
Life insurance
Business succession planning
Estate and succession planning
Please click on the service for further information.

 

Wealth Accumulation Strategies
Wealth accumulation is an ongoing process throughout your life.  It may include saving for an overseas holiday, a car or that "special day", through to repayment of your mortgage or providing for your retirement.

Our advice will help you understand the wealth accumulation strategies available and how we may be able to assist to identify relevant strategies for you, taking into account your lifestyle and financial objectives.

Wealth accumulation strategies can include the following:

Cash flow analysis
Debt management
Savings and investment options
Regular investment plans
Investment gearing and borrowing
Superannuation contributions
Structural advice
If you would like more information on our wealth accumulation strategy services or would like to discuss how we can help you, please contact us.

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Investment Portfolio Advice and Management
We offer a range of investment services to suit your individual needs, ranging from comprehensive investment strategy development and management through to limited once-off advice.

Our investment advice typically comprises two elements, being:

Strategy advice; and
Specific investment recommendations.
Investment strategy advice is an important part of the advice process and requires consideration of your individual circumstances, including:

Tolerance to risk
Investment goals
Lifestyle goals
Investment time horizon
Liquidity and cash flow requirements
Investment structure
Once the strategy has been formulated, we then recommend specific investments tailored to meet your individual needs.

As a privately owned and managed financial planning practice, we have the flexibility to provide advice on a wide range of investment products, including (but not limited to):

Cash accounts
Term deposits
Listed securities
Exchange traded funds
Managed funds
Wrap accounts and platforms
Separately managed accounts (SMAs)
Property
Further, we are also able to provide advice on investment lending.

If you would like more information on our investment portfolio advice and management services or would like to discuss how we can help you, please contact us.

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Superannuation
We offer a range of superannuation services, ranging from simple, once-off to specialist self-managed superannuation fund strategies.

Compulsory employer superannuation contributions means superannuation will often be a significant asset and an important element of your retirement strategy.  Accordingly, it is important to ensure you are maximising the benefits of superannuation.

As specialists in superannuation, we can provide advice on all aspects of superannuation, including:

Superannuation structures, including industry funds, retail funds and self managed superannuation funds
Contributions, including salary sacrifice strategies
Pension strategies
Transition to retirement strategies
Investment options
Self managed superannuation fund compliance
Estate planning considerations for superannuation and pension accounts
If you would like more information on our superannuation services or would like to discuss how we can help you, please contact us.

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Retirement Planning
Retirement planning is all about the organisation of your assets and savings into a plan which aims to satisfy your lifestyle and financial goals in retirement.

Things to consider when making retirement planning decisions include:

What income do you anticipate you will require in retirement?
How will superannuation contributions, investment options, fees and your retirement age affect your retirement income?
What actions can you take to boost your retirement savings?
The earlier you start planning for your retirement, the more options you are likely to have.  Accordingly, your retirement planning may include the following strategies:

Salary sacrifice
Superannuation guarantee top up
Deductible and undeducted superannuation contributions
Commencing a superannuation income stream whilst continuing to work (known as a transition to retirement pension)
Commencing a superannuation income stream on retirement
Investment of business disposal proceeds, including the consideration of the small business CGT concessions
Eligibility for Centrelink entitlements
If you would like more information on our retirement planning services or would like to discuss how we can help, please contact us.

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Life Insurance
Life insurance is an important element of the financial planning process to ensure you and your family are protected in the event of death, accident or illness.

As part of our life insurance service we will review your personal situation to determine what level of insurance, if any, is required and provide tailored advice suitable to you and your family.

The different types of insurance that are considered as part of our insurance service are:

Term life (death)
Total and permanent disability (TPD)
Income protection / salary continuance
Trauma / critical illness
Business expenses
Group Insurance

As part of our insurance service we can provide advice on group insurance policies.

If you would like more information on our insurance services or would like to discuss how we can help you, please contact us.

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Business Succession Planning
Business succession planning is an important element of all business plans and should be considered well in advance of any proposed changes.  Whether you plan to sell your business, transfer it to a relative or are forced to retire for health reasons, there are a number of considerations, including:

Structural advice
CGT small business concessions
Buy / sell agreements
Life insurance
Superannuation concessions
We can work with you to ensure your business is appropriately structured for the best outcome.

If you would like more information on our business succession planning services or would like to discuss how we can help, please contact us.

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Estate and Succession Planning
Estate and succession planning is not as simple as the preparation of a will. A thorough and complete estate plan will provide for the control of assets as intended and for decision making capacity in the event of incapacity.

Whilst preparation of a will is an important element of estate and succession planning, consideration also needs to be given to whether your situation requires a more complex approach, which may include the following:

Testamentary trusts
Superannuation
Detailed estate planning strategy document
Power of attorney
Guardianship arrangement
Advanced health directive
We do not provide legal advice, however, we can identifiy areas requiring attention, and where requested we can provide a referral to a solicitor.

If you would like more information on our estate and succession planning services or would like to discuss how we can help you, please contact us.

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Financial Services Guide
The Financial Services Guide (FSG) for Allan McPherson, as adviser and Authorised Representative of McPherson & Associates Pty Ltd through McPherson Investment Consulting Pty Ltd, is attached below.

An FSG should assist you to:

Identify the financial services the adviser is authorised to provide
Understand how the adviser (and any related parties) will be remunerated
Understand who is responsible for the advice you receive
Identify our internal and external dispute resolution procedures
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