Wealth Management

We offer strong personal solutions

Wealth management is about forging deep and enduring relationships that deliver financial security and prosperity. It is not only about investment outcomes, but also life’s balance. Our aim is to understand what balance and success looks like for you, as success is personal. CCZ Statton offers professional financial advice to help you achieve your goals.

Deliverable Outcomes

  • Defining your values, life’s balance and your personal financial objectives;
  • To ensure you are better financially organized;
  • To improve your investment outcomes;
  • To achieve and secure your desired lifestyle;
  • To be in a position to manage an unexpected event; and
  • To build a legacy.

Team

Our Financial Planning Process

Key areas of advice include:

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STRATEGIC
ADVICE

This is advice that requires a comprehensive understanding of the client’s entire financial position, the client’s goals and personal aspirations as well as a good understanding of the client’s risk temperament. This advice will typically include superannuation advice, non-superannuation investment advice, cash flow advice, insurance advice, debt advice, retirement planning and estate planning.

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INVESTMENT
STRATEGY

Determining the most appropriate investment approach for you, given your circumstances, risk tolerance and financial objectives. Academic research shows the vast majority of the variance in investment returns is directly attributable to asset class allocation and adjustments made over time.

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SUPERANNUATION
STRATEGY

Determining the most appropriate superannuation vehicle and approach given your circumstances, your financial objectives and the appropriate level of complexity. This is about delivering suitable strategies to maximise fund returns and value.

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INVESTMENT
ADVICE

At CCZ Satton we recognise that markets typically look strongest precisely at the time when risk is at its highest. Conversely, we recognise that risk is often lowest when investors are at their most cautious.

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SELF MANAGED
SUPERANNUATION
FUNDS (SMSF)

Recommending SMSF strategies that optimise the flexibility and control that this structure presents. There are many benefits to having a SMSF, but trustees must be committed and informed. Self Managed Superannuation Funds are overused and not for everyone.

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RETIREMENT
PLANNING

This advice begins by making sure the client has a thorough understanding of the lifestyle they can afford in retirement as distinct from the lifestyle they hope for. Our advice will identify what your retirement currently looks like and then deliver advice how your financial position can be improved in light of your desired lifestyle. The earlier people consider their retirement position the better off they will be.

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INSURANCE AND
PROTECTION ADVICE

An integral part of any plan involves adopting strategies that minimise the risks of your strategic plan unfolding. There are many events that can potentially hijack your well constructed financial plan. These events can occur through an economic disruption, through business, through death and through illness and injury.

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DEBT AND CASH
FLOW STRATEGY

We can advise on strategies around the efficient utilisation of excess cash. Appropriate amounts of debt, structure and serviceability need to be considered in the context of tax efficiency, future expenditure, unexpected events and personal objectives.

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ESTATE
PLANNING

Much of this advice is outsourced to a small panel of specialists we know well and can rely on. This is advice centred on estate planning, inter-generational wealth transfer, Wills, testamentary trusts and advice around appropriate tax structures for asset protection.