Financial Planning Expertise
The true advantage of partnering with us lies not in any single service we offer, but in the complete, tailored financial strategy we create for you.
Our integrated approach ensures that every aspect of your financial journey works together, delivering results that go beyond the sum of individual services.
Achieving your financial goals is easier with the right guidance. At Helm, we act as your financial coach, helping you assess your current situation, define where you want to be, and chart a clear course to get there. While planning is crucial, one of the most valuable services we offer is helping you avoid costly mistakes that can waste both time and money. Discover how quality financial advice can make a lasting difference—visit us today and see why partnering with Helm could be the best decision you make this year.
Tailored Investment Solutions
Everyone’s tolerance for risk and return is unique. Some clients may prefer the security of low-risk investments like bank deposits or government bonds, while others seek higher returns through growth-focused equities. At Helm, we understand that a well-balanced portfolio is key to long-term success. Guided by modern portfolio theory, we help clients build diversified portfolios that align with their risk appetite, while also ensuring appropriate liquidity, income, and risk management. Our tailored approach typically involves a strategic blend of fixed interest, cash, shares, and property—customized to suit your individual financial goals.
Tax planning is often overlooked in financial planning, with many Australians assuming it’s solely the accountant’s job. While accountants focus on reviewing the past year’s numbers and filing returns, effective tax-saving strategies—like salary sacrifice or income splitting through a trust—must be implemented during the year, not after. That’s where financial planning shines.
Personal risk insurance can be challenging for both clients and advisors, often due to two key reasons: first, discussing the possibility of losing a loved one is never easy, and second, insurance itself is complex and often feels intangible, with no ‘perfect’ level of cover. As a result, many people avoid making these important decisions altogether. Adding to the confusion, many insurers or brokers push high-commission policies with unnecessary ‘premium benefits’ that don’t align with your actual needs.
At Helm, we operate on a fee-for-service basis, recommending only the coverage necessary to protect your family from genuine financial risks. Our goal is simple: ensure you’re paying the right price for the right protection, carefully tailored to safeguard against risks that could lead to financial hardship. If you are interested, request a personalized Financial Protection Plan, where we will design an insurance solution suited to your specific family and financial needs. Call us for a preliminary risk analysis to see how a Helm Financial Protection Plan can provide peace of mind.
Personal risk insurance is a tricky area for advisors and clients alike for two fundamental reasons: First, because we all find it tough to discuss painful things like the possibility of losing a loved one, secondly because insurance is such a complex and intangible subject with no ‘correct’ level of cover. These two factors coupled together create a situation where many people would rather avoid making decisions at all. Insurance policies are intentionally complicated and most insurers or insurance brokers recommend expense commission laden policies that provide ‘premium benefits’ that may not even be relevant for your personal situation.
Helm operates on a fee-for-service basis and we only recommend products that we deem to be necessary to protect your family’s financial interests against legitimate risks. Our job is to ensure that you are paying the right price for the right product, positioned in the right place to protect you against legitimate risks that could force you and/or family into financial hardship.
If you are interested in this service please request a personalised financial protection plan in which we will tailor an insurance solution suit your needs and your family situation. Call us for a preliminary insurance risk analysis to see if a Helm Financial Protection Plan would be valuable for you.
Most people have the majority of their investment money tied up in their Superannuation. Managing this money diligently is an essential part of any successful financial plan in Australia today. Super is heavily regulated to prevent it from being used in any way that does not support its primary goal which is to provide retirement income.
Making the most of the considerable tax incentives given to this sector by the Federal government requires expertise and is the basis of many of the excellent Financial Planning strategies utilised by Helm on a weekly basis. However, while the superannuation environment is a haven for tax benefits there are also dangers to investing in this market – as with any. Firstly there are obscure and arcane superannuation laws that can often sting the unwary and the ill-informed with harsh tax penalties. With the benefit of Helm’s expertise you can easily avoid these dangers, ensure your assets are employed into well diversified investment portfolio’s using quality low cost structures. Every Helm retirement portfolio is constructed to ensure that the client has access to both sufficient retirement income and adequate liquidity to fund their retirement.