WE ARE A FINANCIAL PLANNING BUSINESS, BUT WE ARE ALSO A GROUP OF INDIVIDUALS.
We have our own families, goals and ever-changing financial needs that help us to understand you.
Our Approach
WE EXIST TO HELP OUR CLIENTS ACHIEVE FINANCIAL FREEDOM.
Our team of financial planning experts at Ultimum can help you implement strategies so you can achieve the best possible outcome for your financial future. We do this by listening & obtaining a comprehensive understanding of your unique set of personal circumstances, needs and objectives helping you to ACHIEVE FINANCIAL FREEDOM.
We have a unified team approach to providing financial advice – a personalised, professional & well-informed service that is provided in a timely manner.
Each member of our team likes to personally engage with you in their respective areas of expertise and provide you with a personalised service so you feel a part of our family.
We take the time to educate you so that you understand the advice that we provide and aim to simplify a complex industry as we believe it is our role to help you understand, why we are providing you with personalised advice and how it benefits you.
Our goal is to work with our clients and the other financial or legal professionals in their lives to simplify the financial planning process with an aim to provide quality, tailored advice through shared knowledge and a diverse skill sets.
PLAN
Planning is the first step in moving forward to achieve your desired retirement goals. Understand the strategies available to you to help meet your ongoing needs and objectives.
PROTECT
Unless you take a holistic approach to your financial planning and consider the importance of protecting your family, yourself, your assets, and income, the investment piece on its own may not be sufficient to meet your retirement needs.
GROW
We provide quality advice designed to build wealth. We take the time to understand the risk you are willing to take and provide investment options and strategies to help meet your goals.
Since engaging Joseph Miasi from Ultimum Finance to manage our finances, the quality of life we can afford has increased, our debt and monthly overheads have decreased, and our Superannuation projections are set to facilitate early retirement. Without their sound and timely guidance, we would still be living pay to pay, projected to work late into our lives, and with no ability to save four our dreams..” Joel & Amber P
LEARN MORE ABOUT US
Services
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You’re on a unique path to fulfilling your own personal, goals, dreams, and desires, and we want to help you get there.
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Whether you’re planning to retire over the next 3 years or in 30 years’ time, our experts will help you find the right balance between fulfilling your immediate financial goals and saving for the lifestyle you want after retirement.
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We discuss the myriad insurance options available and decipher the legalese to identify solutions that best serve your unique risk parameters and lifestyle, all presented in a personalised report so you can make a clear and informed decision.
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Good estate planning isn’t simple; but done well, those complex family relationships and financial affairs can be arranged to avoid conflict and costly mistakes.
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Our research experts regularly identify and communicate market developments to give you plenty of time to pounce on new investment opportunities.
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We develop individually tailored strategies which are appropriate to your needs
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Debt management goes hand-in-hand with effective cashflow management. After working with you to analyse your income, expenses and day-to-day cash flow, your financial adviser can identify opportunities to generate surplus income and advise whether you’re best to use those funds to boost your super or other investments, build up a cash reserve, or pay down debt.
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Financially successful families must manage their complex wealth in a flexible and a holistic manner to ensure it is protected and passed on to future generations. Not only is this important for effectively meeting the needs of today, but also for setting up an enduring financial legacy for years to come.
Establishing appropriate family financial planning, management and administration will offer peace of mind that all finances, taxes, structures and assets are taken care of. It will also help to maintain family harmony with relevant governance and control frameworks in place.
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SMSF’s can be complicated and time-consuming structures to manage. We will assist you in making a decision if this structure is appropriate for you and in your best interest.
You need the financial and legal knowledge and skills to:
set and manage an investment strategy that meets your risk-tolerance and retirement needs
comply with tax, super and investment laws
arrange insurance for fund members
understand different investment markets, and build and manage a diversified investment portfolio
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A growing number of Australians are relying on superannuation to fund their retirement, and a few strategic adjustments — the earlier the better — can make the difference between struggling and thriving after you retire.
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Business succession planning is a strategy that helps ensure a business continues to run smoothly when a leader leave, retires or passes away. It involves identifying and developing future leaders to take over leadership roles and management responsibilities. We will help provide you with certainty, security & the future success of the business into the future.
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Cash flow management is the process of monitoring and analysing your personal or a business's cash inflows and outflows to ensure there is enough money to pay expenses and debts. We will identify your spending habits & link these to your personal goals and objectives. It's an important skill for individuals & business owners to have, especially for small businesses.
Get in touch with us today.
