SERVICES

Galleon Capital & Advisory

Services

No matter which stage of life you’re at Galleon Capital & Advisory offers a number of services to build your wealth and manage your financial security.  We invest our time and energy in understanding your needs and building an enduring partnership. We provide solutions that are tailored to your goals, ambitions and personal circumstances.

WEALTH MANAGEMENT & PORTFOLIO CONSTRUCTION
Big or Small, Galleon manages them all!

Our wealth management approach is industry-leading. We can assist you in identifying your wealth goals, establishing a comprehensive financial plan, and managing your investment portfolios. Before establishing a strategy, we always consider your goals, objectives, risk appetite, and investment time horizon. This ensures that your financial goals are achieved and risks are managed throughout the agreed time horizon.

Our investment strategies vary from:
• Simple investment solutions
• Traditional financial advisor portfolio constructions
• Direct equity/Exchange Traded Funds/LIC advice
• Complex structured products
• Investment Warrants
• Investment bonds
• Separately Managed Accounts. We will ensure that you understand all risks associated, product costs involved, and personal impacts before you agree on your investment journey.

PRIVATE WEALTH
If you are a high or ultra-high net worth investor, a wholesale investor, or a corporate client with over $2M in assets to invest, we offer highly sophisticated investment solutions and tax management strategies. We understand that you are time-poor. As a Private Wealth client, you will receive our proactive, comprehensive, and highly customised service to ensure all your financial planning needs are met.

By consistently ‘stress testing’ your circumstances and strategy, appropriate adjustments will be regularly employed to ensure the best outcomes for your future. Our team of experienced professionals specializes in creating customized financial plans that take into account each client’s unique goals, risk tolerance, and investment objectives. We use a combination of traditional and alternative investments to create diversified portfolios that are designed to maximize returns while minimising risk. Our services include portfolio management, estate planning, tax planning, and risk management.

We also provide access to exclusive investment opportunities and private markets. Our goal is to help our clients achieve financial success and security, and we work closely with them to continually monitor and adjust their financial plans as their circumstances change. We pride ourselves on providing exceptional service and building long-term relationships with our clients.

SUPERANNUATION & RETIREMENT PLANNING
Superannuation is a complex area of financial planning, but it remains one of the most tax-effective ways to build wealth and fund your lifestyle in retirement. We can provide tailor-made advice in this complex and constantly changing area. We’ll help you identify the super strategies that suit your situation and give your retirement savings a real boost. The best advice for maximising your super is to start planning early.

Our retirement planning involves working with you to build your wealth from early retirement age and managing your retirement nest egg throughout your retirement. As you prepare for retirement, we will work with you to plan for the changes to come. We will ensure you are on track to meet your retirement needs, and once you are retired, we will continue to work with you to manage your personal financial and lifestyle goals.

At Galleon, we have answers to your million-dollar question, “How much do I need to retire?” We can illustrate your retirement planning options and alternatives with comprehensive cash flow modeling and projections.

Some of the areas we can assist with:
• Contribution strategies to maximize your superannuation accumulation benefits
• Tax-effective long-term investment strategies
• Transition to retirement and salary sacrifice strategies
• Comprehensive cash flow and asset projections to illustrate your retirement position and plan/manage your retirement nest egg to achieve the lifestyle you want in your retirement
• Advice on the most suitable structure and platforms, including Self-Managed Superannuation Funds
• Maximizing social security strategies

PERSONAL INSURANCE STRATEGY
We take a holistic approach to your financial wellbeing and believe that financial risk management is one of the most important components in your overall wealth management process. Protecting your wealth gives you and your family peace of mind, so that if something unexpected happens, your personal, financial, and lifestyle goals are not placed in jeopardy.

Galleon can protect your wealth and provide you and your family with a comprehensive risk strategy that is suited to your personal circumstances. We will also revisit and review your protection plan to ensure that you are insured for the most optimal levels and that your policies remain current and relevant to your changing circumstances.

Our comprehensive personal risk management strategies will address the following insurances:
• Life Insurance
• Total & Permanent Disability Cover
• Income Protection
• Trauma insurance cover

Most importantly, when you come and talk to us, we will work with you to design a risk strategy that:
• Comprehensively addresses your risk/protection gaps
• Suits your budget
• Is structured in the most tax-efficient way
• Adds options to match your needs
• Is designed to match your short, medium, and long-term needs, making your covers cost-efficient for years to come.

For these reasons, we suggest that you review your current personal insurance needs to ensure you and your family are adequately protected in case of an unfortunate scenario.

Should you wish us to discuss your options in designing a comprehensive risk management strategy, please contact us and we will protect you at no additional cost.

BUSINESS PROTECTION

For our business owners, Galleon can offer you a comprehensive business protection plan, ensuring that your business and your business partners are comprehensively protected in case of an unforeseen event. Business Protection is the need to draft a strategy in the boardroom table to offset the economic effect of losing an owner, key person, guarantor or a profit maker for your business. Problems can arise if you (or another key person) are lost to the business temporarily or permanently.

At Galleon, we offer a comprehensive risk management strategy covering:
• Business Liability Cover
• Key Person Insurance
• Buy/Sell Insurance
• Business Expense Cover. We are also experts in structuring these covers in the most tax-efficient and cash flow-friendly manner.

Should you wish us to discuss your options in designing a comprehensive Business Protection Strategy, please contact us and we will protect you at no additional cost.

TAX-EFFECTIVE PLANNING STRATEGIES

Paying high amounts of tax is one of the main frustrations for many of our clients. Effective tax planning is crucial in building your long-term wealth creation. It is essential you optimize your tax planning and make the most out of the available tax-efficient wealth creation strategies. Our financial planning advice is underpinned by strong tax knowledge and our ability to integrate this with our client’s financial objectives. This allows us to develop financial plans that minimize your tax burden.

We can help you understand:
• Tax-efficient superannuation contribution strategies
• Debt recycling strategies
• Franked share dividends
• Tax-efficient gearing strategies
• Tax-efficient investment products/strategies
• Tax structuring & ownership of assets
• Income splitting strategies. As tax planning plays such an important role in growing your wealth, we can work directly with your accountant to maximize your benefits. Our aim is to simplify and help you manage your tax situation.

CASHFLOW AND DEBT MANAGEMENT

An effective budget and cash flow management is paramount in personal finances; however, it can often be quite overwhelming when doing it on your own. By taking charge of your cash flow, you will ease money stress and will feel in control. Cash flow-related stress or pressure is quite common in a high inflation environment. High income taxes, living expenses, mortgage repayments, and school fees can put a significant amount of stress on your cash flow, making you feel like you are always running short of money.

Most people find it hard to stick to a budget. Small changes to your spending habits can lead to big outcomes. We can create a tailored savings plan that will help you reach your financial goals. This is an effective way to maintain a disciplined savings habit, and we notice that our clients naturally reduce their expenditure level over time. We will help you to be more aware of what you spend and make more conscious spending decisions.

We can assist you in:
• Tracking your spending and helping you understand your spending habits
• Using a budget to sort out your financial priorities and take control of your savings
• Setting up a savings plan and helping you track and meet your goals
• Debt management

Non-tax-deductible debts, such as home mortgages, credit card debts, personal loans, and car loans, can hold you back every step you take forward. We provide advice on paying the right debts at the right time, ultimately freeing up cash flow.
• Clarifying which debts are good versus debts that need to be paid off first
• Exploring debt consolidation or refinancing strategies
• Formulating a suitable budgeting plan and debt repayment strategy to meet your objectives.

CENTRELINK & AGE PENSION STRATEGIES

Galleon Capital & Advisory can provide you with full Centrelink calculations and strategic planning advice. Supplementing your retirement income with the Age Pension or other government benefits is a great way to make your retirement assets last longer.

We can provide you with strategic advice to allow you to maximize any Centrelink benefits available to you or your partner now and in future years. We assess your goals, personal/financial situation, current assets, and incomes before determining the most suitable strategy available to you.

As part of our service offering, we can provide you with strategies on how to maximize your entitlements and deal with Centrelink on your behalf.

As part of your financial planning strategy, we can help you with:
• Age Pension
• Disability Support Pension
• Family Tax Benefits
• Carer payment / Allowance
• Lifetime annuity strategies

MORTGAGE BROKING
As a compliment to the financial planning advice, we offer mortgage broking service to our clients.

For most of our clients their mortgage is the biggest financial obligation and expense in their lives. When dealing with your finances and making life changing decisions, we understand the importance of staying informed and up to date with the market. Galleon can assist you to have a smart plan in place as such you stay on top of your game when it comes to your biggest commitment.

The advantage of working with Galleon’s integrated business model is that we can monitor and review your home, personal or investment financing in meeting your long term financial and lifestyle objectives.

When it comes to choosing a suitable home loan and negotiating with lenders, we will act as your expert personal team of advisors and mortgage brokers. Every aspect of your personal goals is holistically considered and you will be provided with the best strategy and products for your specific requirements.  We integrate with number of experienced mortgage broking specialists who will work closely with you to facilitate the loan conversation by identifying your needs, goals and objectives. Our aim is to ensure our clients have the option to choose the most suitable lender and accessing the right funding option for their personal circumstances.

Our Mortgage Broking Solutions:

  • Home loans
  • Investment loans for investment property or other investment purchases
  • Investment loans for Self Managed Superannuation Fund (SMSF) borrowing
  • Releasing equity for investment or other purposes
  • Equipment finances
  • Strategic, in-depth analysis of your business’ finances
  • Debt consolidation and refinancing to secure interest rate savings
  • Car and other equipment financing