How We Help

At iprosper we pride ourselves on delivering quality financial advice to everyday Australians. Our holistic approach means that through the implementation of a financial plan, specifically tailored for you, that your road to financial security starts now.

As an independent provider of financial advice, we are able to ensure that the advice that we provide is all about your individual needs and goals. We have carefully developed our products and services to ensure that you get the best results. Those products and services include:

Superannuation


Your Financial Planner will review your superannuation account and contributions to ensure:

  • You are not paying any unnecessary fees or taxes.
  • You have invested your superannuation investments to maximise growth within your timeframe and tolerance to risk.
  • You are getting the flexibility, features and benefits that you value from a superannuation fund.
  • You have the information you need to feel comfortable to make changes that could improve your financial future.

 

Personal Risk Insurance


Your Financial Planner will spend time understanding your personal needs or requirements to protect your family financially in the event of death, disablement and sickness.

Your Financial Planner will review your insurances in and outside of superannuation to ensure:

  • You understand exactly what you and your family may need in the event of untimely death, illness or total and permanent disability.
  • Your insurance cover is backed by a quality reputable insurance company which has good claims history and comprehensive policy definitions.
  • You know what fees or taxes you are currently paying on your insurance policies and are aware of your options to reduce any unnecessary fees or charges
  • You are getting the flexibility, features and benefits you value from an insurance fund.
  • You know whether it is more appropriate to structure your insurance inside of or outside of superannuation.
  • Have the information you need to take action to protect and secure your financial future.

 

Self Managed Super Funds


Where your current superannuation arrangements do not provide the flexibility, options and/or benefits that you value, your Financial Planner may consider the appropriateness of a SMSF depending on your objectives and financial situation.

Your Financial Planner will review the appropriateness of:

  • Time and costs involved to proactively manage your investment assets
  • Borrowing through super to invest in direct property
  • Your ability and capacity to properly undertake the role of trustee of a SMSF.

 

Finance Advice


Your Financial Planner will spend time understanding your personal income and expenses.

Your Financial Planner will analyse your cash flow to ensure:

  • You understand your true savings capacity
  • You can make informed decisions about how you can reduce non-tax deductible debt and increase your savings capacity
  • You are aware of your options to restructure your income or assets to obtain tax benefits and greater potential for capital growth.
  • You know when you should seek the services of a credit service provider who will be able to consider mortgage reduction strategies.

 

Transition to Retirement


Your Financial Planner will spend time understanding your income needs and objectives in retirement.

Your Financial Planner will review your superannuation and other relevant assets to understand whether you are on track to achieving your retirement needs in the future and will help you in developing a strategy to boost your retirement assets.

Your Financial Planner will then give you advice which will ensure:

  • You know what your retirement goals are and what actions you can take to achieve them.
  • You know whether you are contributing enough to superannuation and what tax effective options may be of benefit to you.
  • You have explored the options available to you to improve your current situation.
  • You know what fees or taxes you are currently paying and know your options to reduce any unnecessary fees or charges
  • You have the information you need to feel comfortable to make changes that could improve your financial future.

At iprosper it’s all about you and your journey to financial security and it’s a journey that we will walk through with you over the years to come.